> ## Documentation Index
> Fetch the complete documentation index at: https://docs.rc.cleverhub.co/llms.txt
> Use this file to discover all available pages before exploring further.

# PayTo for Recurring Payments

> How PayTo replaces traditional direct debit with real-time, customer-authorised agreements for subscriptions and recurring billing in Australia.

PayTo is Australia’s modern approach to recurring payments, built on the New Payments Platform (NPP). It gives customers full visibility and control over their payment agreements, while giving your business real-time settlement on every collection. It is the pull-payment counterpart to PayID’s push payments.

<Note>
  The full PayTo guide (covering how PayTo works for customers, the technical workflow, and the shared responsibilities of Hello Clever, sponsoring banks, and commercial banks) already lives on the site. This page is the Australia-section entry point, with links to the deeper references.
</Note>

## Why businesses choose PayTo

<CardGroup cols={2}>
  <Card title="Real-time settlement" icon="bolt">
    Each collection settles instantly over the NPP, so recurring revenue reaches your account in seconds rather than days.
  </Card>

  <Card title="Customer-managed agreements" icon="sliders">
    Customers approve, view, pause, and cancel agreements in their own banking app, which builds trust and reduces disputes.
  </Card>

  <Card title="API-driven billing" icon="code">
    Initiate each payment straight from your billing system through the Hello Clever API, with no manual steps.
  </Card>

  <Card title="Predictable revenue" icon="chart-line">
    Fixed or capped amounts on a set frequency make it easy to plan your cash flow.
  </Card>
</CardGroup>

## Related pages

<CardGroup cols={3}>
  <Card title="Full PayTo guide" icon="book-open" href="/platform-overview/payment-concepts/payto-recurring">
    The complete walkthrough of PayTo on Hello Clever.
  </Card>

  <Card title="Agreement specification" icon="list-check" href="/platform-overview/payment-concepts/payto-agreement-spec">
    A field-by-field guide to configuring a PayTo agreement.
  </Card>

  <Card title="PayTo vs. direct debit" icon="scale-balanced" href="/platform-overview/payment-concepts/payto-vs-direct-debit">
    How PayTo improves on traditional direct debit.
  </Card>
</CardGroup>


## Related topics

- [PayTo Agreement Specification](/platform-overview/payment-concepts/payto-agreement-spec.md)
- [What NPP, PayID, and PayTo Are](/platform-overview/payment-concepts/npp-payid-payto.md)
- [Build Recurring Billing with PayTo Agreements](/developer-reference/api-use-cases/build-recurring-billing-with-payto-agreements.md)