What Is PayTo and How Does It Work with Brolly?

PayTo is a new way to authorise real-time payments directly from your bank account. Here’s how Brolly uses it.

PayTo is a new, secure payment method backed by the Australian banking system. It lets you authorise payments directly from your bank account — instantly and with full visibility.

It’s like a smarter, safer version of direct debit.

Read more about it here.

When you’re ready to repay or extend your Brolly loan:

1. You tap “Refill” in your wallet

2. We create a one-time PayTo agreement

3. You approve it in your banking app (some banks do this in the background)

4. Brolly collects the repayment instantly and securely

• Instant: Funds settle in real time — no 1–2 day delays

• Transparent: You can see and manage the agreement in your bank app

• Controlled by you: You can cancel the agreement at any time

• Secure: Authorised via your bank, with strict verification

• A PayTo agreement is only created when you choose to repay

• Your repayment won’t happen until you approve the agreement (or your bank pre-approves it automatically)

• PayTo only takes what you’ve agreed to — there are no surprise charges

• You can manage or cancel the agreement anytime via your bank

Need help finding or approving your PayTo request? Tap the chat bubble or message us — we’ll walk you through it.