Collect, reconcile and
pay out. Instantly,
across Australia
Collect payments with PayTo, automate reconciliation with PayID, and send instant
refunds and payouts – through a single API.
POWERFUL PAY-INS
PayTo: Bank-direct collections, built for conversion
Customers select PayTo and approve a pre-authorised agreement in their banking app. Amounts are pre-filled. Funds settle instantly.
One-off payments
Approve a one-off PayTo agreement. Trigger an instant payment.
One-click payments
Existing PayTo arrangement. One-click repeat payments.
Fixed recurring
Scheduled PayTo payments for subscriptions and recurring billing.
Variable recurring
Vary amounts within agreed limits for usage-based PayTo payments.
ONE-CLICK PAYTO
Returning customers pay in a single click
Once PayTo is set up, repeat payments become effortless: one click, instant settlement, no repeated account entry.
Frictionless repeat purchases
Reuse the existing agreement. Nothing to set up. No banking app redirect.
Higher conversion on return visits
Fewer steps. Fewer drop-offs. Stored-card convenience – without the card.
Built on pre-authorised agreements
Customer-approved PayTo mandate. Bank-managed. Revocable at any time.
RECONCILIATION & ROUTING
PayID: Smart aliasing for effortless reconciliation
PayID aliases provide dedicated routing identifiers, so inbound funds land in the right place and reconcile automatically.
Static aliases (per customer)
Long-lived PayID aliases for account top-ups, wallet funding and regular payments.
Dynamic aliases (per transaction)
Create transaction-specific PayID aliases for invoices and ad hoc transfers.
PayTo fallback
When PayTo constraints apply, PayID push payments provide a reliable alternative.
PAY-OUTS & REFUNDS
Complete the funds lifecycle with instant NPP payouts
Complete the transaction loop with instant NPP payouts. Send refunds, credits and disbursements to BSB/account numbers or PayID aliases, 24/7.
Instant refunds
Refund customers instantly, straight back to their bank account.
Direct-to-bank payouts
Send payouts directly to recipients using BSB and account numbers.
PayID payouts
Send payouts to a PayID alias, with built-in payee verification.
Account credits
Move funds into AUD Volt Accounts to support PayID top-ups.
ACCOUNTS & TREASURY
Hold, convert and move AUD alongside GBP and EUR
Hold AUD, GBP and EUR together, convert instantly and manage treasury without extra banking relationships.
AUD Volt Account
Settle PayTo and PayID payments into a dedicated AUD account.
Instant currency conversion
Convert between AUD, GBP and EUR on demand.
Flexible withdrawals
Withdraw settled funds on your schedule, or on demand via API or dashboard.
INTEGRATION OPTIONS
Build around your payment flows
Choose the integration route that fits your checkout experience, payment operations and development resource.
API-only
Build your own payment UI with Volt’s Global API, with responses guiding the PayTo setup flow.
Hosted checkout
Send customers to Volt’s secure hosted checkout for a fast, low-effort integration.
Pay by Link
Generate secure payment links or QR codes, then route customers to a hosted checkout.
GLOBAL API
Already live with Volt in the UK or Europe? Extend your integration to Australia.
Volt’s Global API gives you one consistent payments interface across markets and schemes.
Faster expansion
Extend your existing Volt integration without rebuilding your payment logic.
Flexible UX choices
Use Volt’s hosted checkout for speed, or build a custom UI with API-only integration.
AUD multi-currency account
Hold and settle in AUD alongside GBP and EUR.
Lower engineering overhead
Fewer bespoke integrations, less scheme-by-scheme complexity.
Predictable operations
Standardised authentication, idempotency and webhooks.
USE CASES
Built for the businesses shaping Australia's economy
Built for high-growth businesses that need faster collections, instant payouts and cleaner reconciliation.
E-commerce & Retail
One-click PayTo checkout eliminates card surcharges and delivers instant settlement. Dynamic PayID handles invoice payments with automatic reconciliation.
Subscriptions & SaaS
Fixed and variable recurring PayTo agreements replace direct debit. Customers approve once, you collect on schedule – with real-time confirmation.
Marketplaces
Collect buyer payments via PayTo, reconcile with PayID aliasing, and disburse to sellers instantly via NPP payouts – a complete two-sided flow.
Wealthtech & Financial Services
Fund accounts with PayID top-ups, process payouts and withdrawals to BSB/accounts in real time, with CoP verification on every outbound transfer.
Utilities & Telcos
Variable recurring PayTo agreements match fluctuating bills. Customers maintain visibility and control over their payment agreements via their banking app.
Gambling & Digital
Instant PayTo collections for in-app purchases. Static PayID aliases for wallet top-ups. Real-time payouts for prize disbursements and withdrawals.
Ready to launch real-time payments in Australia?
Speak to us about PayTo collections, PayID reconciliation, instant payouts and AUD account services.