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PayTo is a standing payment agreement that lets FikaTrade collect future invoice payments from a customer’s bank account, once the customer has authorised it.
Verified 2026-08-25: there’s no separate “Payment methods” section in the supplier workspace nav. PayTo agreements (and cards) are created from the customer’s own detail page.

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Before you begin

Setting up a PayTo agreement requires a supplier administrator. Pausing or cancelling an existing agreement can be done by any team member on either side — yours or the customer’s.

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Steps

  1. Go to the customer’s detail page (Customers, then select the customer) and select New payment method.
The New payment method modal with PayTo selected, showing the agreement description, a PayID/Bank account payment-address choice, PayID type and PayID fields, and the Create agreement button.
  1. Select PayTo as the payment method type. Add an optional agreement description, choose PayID or Bank account as the payment address, and (for PayID) choose a PayID type — Email, Phone, ABN, ACN or Organisation ID — and enter the PayID.
  2. Select Create agreement. FikaTrade sends the request to the customer’s bank, and the agreement starts in Pending status.
  3. Your customer authorises the agreement in their own online banking app — this step happens outside FikaTrade. There’s no in-app authorisation screen; FikaTrade only shows the resulting status once the customer’s bank reports it back.
  4. Once authorised, the agreement’s status becomes Active and it can be used to collect payment on the customer’s invoices.

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Agreement statuses

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Reuse for future payments

An Active agreement is reused for every invoice you collect from that customer — it isn’t a one-off authorisation. It stays usable until it’s paused, cancelled or expires.

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If authorisation is declined or expires

A Rejected or Expired agreement can’t be used, and FikaTrade doesn’t automatically retry the authorisation or switch the customer to another payment method. You’ll need to either send a new PayTo request or set the customer up with a card instead.

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What PayTo can’t do

A PayTo agreement can’t be created or used at checkout — a customer placing an order doesn’t authorise a mandate as part of that flow. PayTo is set up separately, ahead of time, against a specific customer.