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A PayTo agreement is an arrangement you set up with a service provider to make your regular payments. You can set up a PayTo agreement for anything - a streaming service, gym membership or utility bills.  

Your service provider will create the PayTo agreement through their financial institution and you'll be notified by email to approve of the PayTo agreement.

You can approve the agreement in internet banking or the mobile app.

A PayTo agreement is a new form of payment using the National Payments Platform (NPP) and differs from a Direct Debit in that you can manage the payments yourself in internet banking or the mobile app. This puts you in control to edit, approve or pause the payments when required.