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Ways to pay

Pull payments

Recurring payments that don’t fail

Powered by PayTo, upgraded by Azupay. Smarter than direct debit, safer than cards, and built for recurring payments that just work. Subscriptions, instalments, and top-ups.

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Trusted by leading Australian platforms and enterprises

The hidden costs of sticking with legacy pull payments methods

Direct debit and card-on-file don’t match customer expectations. Expired cards and failed payments frustrate customers and leave businesses chasing lost revenue

Costs too much

Direct debit and card fees add up, and failed payments make it worse with retries and chargebacks.

Creates failures

Expired cards, insufficient funds, and errors break recurring payments, frustrating customers and driving churn.

Wastes resources

Chasing failed payments, handling disputes, and reconciling manually drains teams instead of driving growth.

Leaves customers powerless

Rigid direct debit models don’t let customers pause, change, or manage payments easily, leading to cancellations instead of loyalty.

Slows cash flow

Days-long settlement delays stall revenue, while competitors get paid instantly.

Why pull payments with Azupay

We don’t just offer PayTo, we make them enterprise-ready:

Lower collection costs

Avoid card schemes and minimise chargeback risk, while reducing expensive failure rates.

Stronger retention

Fewer failed payments mean fewer cancellations, and customers stay subscribed.

Built for every model

From subscriptions to instalments, top-ups to pay-as-you-go, Azupay powers all recurring use cases.

Real-time certainty

Funds land instantly, 24/7, and no second guessing, with reconciliation that takes care of itself.

Integration your way

Connect directly via modern APIs or through partner platforms.

Enterprise-ready controls

Licensed, compliant, and trusted by banks, PSPs, and platforms, with workflows that meet enterprise standards.

How it works

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1

Set up

Create a PayTo agreement for a subscription, instalment, top-up, or recurring service, including agreed limits or maximum amounts.

2

Approve

Customer authorises the agreement in their banking app. It’s transparent, secure, and gives them control over terms, amounts and frequency.

3

Pull

Payments trigger automatically within agreed limits, with instant confirmation and real-time settlement every time.

Goodbye passwords. Hello PayTo with passkeys

Azupay makes PayTo more convenient, safer and simpler by adding passkeys, so approvals are instant, phishing-proof, and frustration-free.

Scan a fingerprint or face – no passwords, no codes.
Protection that’s stronger than SMS.
One setup, smooth approvals every time.
More trust means more completed payments.

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Where Azupay delivers impact

From media subscriptions to insurance premiums, we help enterprises reduce failures, retain customers, and get paid faster.

Use Case

Financial services

The new standard for real-time payments and transfers At a glance, what you

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Industry

Government and utilities

Increase back-office efficiency and customer experience. Immediate confirmation; transparent audit trails that

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Product

Retail and ecommerce

Memberships, instalments, and loyalty subscriptions that work reliably.

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Travel and airlines

Improved checkout conversion with real-time settlement; instant and reliable refunds.

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Integration that fits your business

Whether you want to connect directly with Azupay or work through a trusted partner platform, we make it simple to get started. Our modern APIs, plug-ins, and support team give you flexibility to integrate payments where you need them: at checkout, in invoices, or across your back office, without adding complexity.

Insights, proof, and guidance that drive better decisions

Stay ahead of trends, risk, and opportunity. Our research, case studies, and technical guidance help you see what’s coming.

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PRODUCT

NAB launches PayID with Azupay

The latest evolution in real-time payments uses unique PayIDs to personalise and streamline the billing process, enabling operational efficiencies for business and better customer experiences.

Full Name

11 Jan 2022 • 5 min read

PRODUCT

Secure. Smarter. Passkeys + PayTo from Azupay

In a world where every second counts and every transaction must be trusted, Azupay is reshaping the future of enterprise payments. We’re proud to announce the next breakthrough in real-time account-to-account commerce: Passkey-enabled PayTo is now live for Australian businesses.

Full Name

11 Jan 2022 • 5 min read

PRODUCT

How we build software

At Azupay, we build software with a clear purpose: to deliver secure, reliable, and intuitive digital payment solutions that our customers can depend on every day. Behind that commitment is a delivery culture built on strong engineering principles, modern cloud architecture, and a relentless focus on continuous improvement.

Full Name

11 Jan 2022 • 5 min read

Explore more ways to pay with Azupay

Receive payments

Get paid instantly with a simple Pay by Bank experience. Use PayID and PayTo to collect from customers in real time. Cheaper than cards, more reliable than EFT, and easier to reconcile.

Send payments

Issue funds instantly, whether you’re issuing refunds, claims, or payouts. Complete with account verification and compliance built in for peace of mind.

Start your conversation with Azupay

Whether you’re interested in our real-time payment solutions, need support, or just want to learn more about Azupay, please fill out the form below. Our team will get back to you as soon as possible.