A business or merchant will set up a 'PayTo Agreement' with you. This is where you authorise how much, and when, you will pay for goods and services. It could be for a one-off, ad-hoc or recurring payment.
The PayTo agreement will appear in your online banking for your authorisation. Once you have authorised the agreement, the business can debit your account according to the terms that you have agreed to. Note, agreements are not currently accessible through The Mac App.
It is important to ensure you use your Alternate Reference Number alongside our BSB (802-388). This is the number that begins with '1000'. You can find this number under Additional Services > Account BSB Details on The Mac App or Accounts > BSB Number Information on Online Banking. Alternatively, you can use your PayID (find out more about PayID here).