Approving your PayTo agreement
When you set up PaySauce with PayTo as your payment method, your bank requires you to approve a PayTo agreement before any payments can be processed. This is a one-off step that authorises PaySauce to move funds from your nominated business bank account to pay your employees.
This article explains how to find and approve that agreement in your bank's internet banking or app.
Note: PayTo agreements are time-sensitive. Most banks will expire a pending agreement within a few days if it isn't actioned, so it's worth approving it promptly after you receive a notification from your bank.
If you haven't set up your payment method in PaySauce yet, do that first. See Setting up your payment method.
Finding your PayTo agreement
The agreement will appear in your bank's internet banking or mobile app, usually under a Payments or Pay & transfer menu. Some banks also send a push notification that links directly to the agreement.
Find your bank below and follow the steps to locate and approve it.
Commonwealth Bank (CommBank)
Commonwealth Bank (CommBank)
Log in to NetBank at netbank.commbank.com.au or open the CommBank app.
Select your profile icon in the top right, then select Settings.
Select PayTo agreements from the left-hand menu. In some versions this appears under Payments > PayTo. In the CommBank app, tap Settings then scroll to PayTo agreements.
Select the pending agreement from the list.
Review the details, then select Approve.
Verify your identity when prompted (NetCode or biometrics).
Note: Pending agreements often appear as a notification banner when you log in. If you don't see the PayTo menu, make sure your CommBank app is updated to the latest version.
Westpac
Westpac
Log in to Westpac Online Banking at westpac.com.au or open the Westpac app.
Select Payments from the top navigation menu, then select PayTo agreements. In the Westpac app, tap the menu icon, then Payments, then PayTo agreements.
Select the pending agreement from the list.
Review the details, then select Approve.
Verify your identity when prompted (security token, SMS code, or biometrics).
Note: If you bank with St.George, Bank of Melbourne, or BankSA, see their dedicated sections below - the steps are very similar.
ANZ
ANZ
Log in to ANZ Internet Banking at anz.com.au or open the ANZ app.
Select Payments in the top navigation, then select PayTo or Manage PayTo agreements. In the ANZ app, tap Pay at the bottom of the screen, then PayTo agreements. For ANZ Plus, tap the menu icon, go to Settings, then look for PayTo agreements under Payment settings.
Select the pending agreement from the list.
Review the details, then select Approve.
Verify your identity when prompted.
Note: ANZ has two separate apps - the standard ANZ app for traditional accounts, and ANZ Plus for ANZ Plus accounts. The PayTo menu location differs slightly between them as noted above.
NAB (National Australia Bank)
NAB (National Australia Bank)
Log in to NAB Internet Banking at nab.com.au or open the NAB app.
Select Pay & transfer in the top navigation, then select PayTo agreements. In the NAB app, tap Pay at the bottom, then PayTo agreements.
Select the pending agreement under Pending.
Review the details, then select Approve.
Verify your identity when prompted (NAB Identification Number, fingerprint, or Face ID).
Bendigo Bank
Bendigo Bank
Log in to Bendigo e-banking at bendigobank.com.au or open the Bendigo Bank app.
Navigate to My banking, then Payments, and select PayTo agreements. In the Bendigo Bank app, tap the menu icon, then Payments, then PayTo agreements.
For Up customers: open the Up app, tap your profile icon, go to Account settings, and look for PayTo agreements.
Select the pending agreement from the list.
Review the details, then select Approve.
Verify your identity when prompted.
Bank of Queensland (BOQ)
Bank of Queensland (BOQ)
Log in to BOQ Internet Banking at boq.com.au or open the BOQ app.
Select Payments from the main navigation, then look for PayTo or Manage payment agreements. In the BOQ app, tap Pay or the menu icon, then PayTo agreements.
Select the pending agreement from the list.
Review the details, then select Approve or Authorise.
Verify your identity when prompted.
Note: BOQ also operates Virgin Money and ME Bank. If you hold an account with one of those brands, see the dedicated sections below.
Suncorp Bank
Suncorp Bank
Log in to Suncorp Internet Banking at suncorp.com.au or open the Suncorp app.
Select Transfers & payments in the top navigation, then select PayTo agreements. In the Suncorp app, tap Payments at the bottom, then PayTo agreements.
Select the pending agreement from the list.
Review the details, then select Approve.
Verify your identity when prompted (security token, SMS code, or biometrics).
ING Australia
ING Australia
Log in at ing.com.au or open the ING app.
Tap the menu icon, then Payments, then PayTo agreements. On the ING website, navigate to My accounts, then look under Payments for PayTo agreements.
Select the pending agreement from the list.
Review the details, then select Approve.
Verify your identity when prompted (ING PIN or biometrics).
Note: If you are having trouble locating the option, check for a push notification from ING - it may link you directly to the agreement screen.
Macquarie Bank
Macquarie Bank
Log in at macquarie.com.au or open the Macquarie app.
Tap the menu icon, then Settings or Manage, and look for PayTo agreements. In Online Banking, navigate to Payments or Account services, then PayTo agreements.
Select the pending agreement from the list.
Review the details, then select Approve.
Verify your identity when prompted.
Note: Macquarie sends a push notification when a new PayTo agreement is pending, which will take you directly to the agreement.
HSBC Australia
HSBC Australia
Log in at hsbc.com.au or open the HSBC Australia app.
Select Payments & Transfers in the top menu, then look for PayTo or Manage PayTo agreements. In the HSBC app, tap Payments, then PayTo agreements.
Select the pending agreement from the list.
Review the details, then select Approve.
Verify your identity when prompted (security device or SMS code).
Note: If you hold a Global Money Account, PayTo management may be located under your account-specific settings.
St.George Bank
St.George Bank
Log in at stgeorge.com.au or open the St.George app.
Select Payments in the top navigation, then PayTo agreements. In the app, tap Pay in the bottom navigation, then PayTo agreements.
Select the pending agreement from the list.
Review the details, then select Approve.
Verify your identity when prompted.
Bank of Melbourne
Bank of Melbourne
Log in at bankofmelbourne.com.au or open the Bank of Melbourne app.
Select Payments in the top navigation, then PayTo agreements. In the app, tap Pay in the bottom navigation, then PayTo agreements.
Select the pending agreement from the list.
Review the details, then select Approve.
Verify your identity when prompted.
BankSA
BankSA
Log in at banksa.com.au or open the BankSA app.
Select Payments in the top navigation, then PayTo agreements. In the app, tap Pay in the bottom navigation, then PayTo agreements.
Select the pending agreement from the list.
Review the details, then select Approve.
Verify your identity when prompted.
AMP Bank
AMP Bank
Log in at amp.com.au or open the AMP app.
Navigate to Banking, then Payments, and select PayTo agreements. In the AMP app, tap Banking, then Payments, then PayTo agreements.
Select the pending agreement from the list.
Review the details, then select Approve.
Verify your identity when prompted.
Note: AMP's portal also covers super and insurance, so you'll find banking features under the Banking section specifically.
Common questions
My bank isn't listed here
My bank isn't listed here
Most Australian banks that support PayTo follow a similar pattern - look for a Payments or Pay & transfer menu in your internet banking or app, then look for PayTo or Payment agreements within that section.
You can also search for "PayTo" within your banking app or contact your bank's support team directly.
I can't find a pending agreement
I can't find a pending agreement
Check that you have completed your payment setup in PaySauce and that PayTo was selected as your payment method. If setup is complete, the agreement can occasionally take up to 30 minutes to appear. Log out and back in to your banking app and check again. If it still hasn't appeared, contact PaySauce support.
My agreement has expired
My agreement has expired
If you didn't action the agreement in time, contact PaySauce support. A new agreement will need to be sent to your bank.
The steps don't match what I see in my banking app
The steps don't match what I see in my banking app
Bank interfaces change regularly. If the steps above don't match exactly, look for a Payments or Pay & transfer menu, or search for "PayTo" within your app. You can also contact your bank's support team for help navigating to the right place.