Australia NPP PayTo
Initiate Australian NPP PayTo payment agreements (mandates) and real-time payments via your own bank API credentials (BYOK)
Australia NPP PayTo
Initiate NPP PayTo payment agreements (mandates) and real-time payments straight from Odoo — using your own bank's API credentials (BYOK)
PayTo is the Australian New Payments Platform service that replaces the old direct-debit experience: every payer authorises a payment agreement (mandate) up front, held in the NPP Mandate Management Service, and you then settle real-time payments against it. This module turns Odoo into your PayTo back office — you build the exact ISO 20022 messages your bank expects and lodge them through your own bank channel. Your data never leaves your database.
What it generates
Mandate Initiation — mndt.001
Create a brand-new PayTo agreement: payer, your collecting
account, the maximum amount each cycle, the frequency and the
validity window. The message is built to the published ISO 20022
mndt.001.001.07 MandateInitiationRequest layout.
Mandate Amendment — mndt.002
Vary an established agreement — raise the cap, change the
frequency or the counterparty account — as a
mndt.002.001.07 MandateAmendmentRequest that quotes the
agreement's PARN.
Mandate Cancellation — mndt.003
Cancel an agreement with a mndt.003.001.07
MandateCancellationRequest carrying its PARN and an ISO reason
code.
Real-Time Payment — pacs.008
Settle a payment under an active agreement as a
pacs.008.001.08 FIToFICustomerCreditTransfer, with the
amount validated against the agreement maximum before the message is
built.
Key features
- PayID and BSB addressing. Address payer and creditor accounts by BSB + account number or by a registered PayID — email, phone, ABN or organisation ID.
- Real ABN checksum. ABN PayIDs pass the official Australian Business Register weighting algorithm before they are written into a message.
- Phone normalisation. Mobile PayIDs are normalised to
E.164
+61form automatically. - Amount caps enforced. A payment that exceeds the agreement's maximum is rejected before any file is produced.
- Frequencies. Ad hoc, daily, weekly, fortnightly, monthly, quarterly, half-yearly and yearly agreements.
- BSB validation & state. Every BSB is checked for the correct six-digit structure and its state is surfaced.
- PARN lifecycle. Record the Payment Agreement Reference Number your bank returns; amendments, cancellations and payments all quote it.
- Full audit trail. Every generated message is logged in the record chatter and downloadable as a standalone XML file.
ISO 20022 messages at a glance
| Action | ISO 20022 message | Identifier |
|---|---|---|
| Create agreement | MandateInitiationRequest | mndt.001.001.07 |
| Amend agreement | MandateAmendmentRequest | mndt.002.001.07 |
| Cancel agreement | MandateCancellationRequest | mndt.003.001.07 |
| Settle payment | FIToFICustomerCreditTransfer | pacs.008.001.08 |
How it works
- Configure your initiating party and your own collecting (creditor) account under Settings > NPP PayTo.
- Create a PayTo Agreement for a customer, set the payer's account or PayID, the maximum amount and the frequency, then build the mndt.001 initiation message.
- Lodge the message through your own bank's PayTo channel and record the PARN the bank returns.
- Mark the agreement Active and initiate real-time payments against it; each one builds a pacs.008 you upload to your bank.
- Vary or cancel the agreement at any time with the mndt.002 / mndt.003 messages.
BYOK — bring your own bank credentials
This module is a format generator. It produces the ISO 20022 payloads NPP PayTo requires and lets you download them; you transmit them to the New Payments Platform through your own financial institution's PayTo API or portal using your institution's own credentials. The module is not a payments gateway, is not an accredited NPP participant, and sends nothing to any third party on your behalf. Compatible with Odoo 18, Odoo 19 and Odoo 20.
Screenshots
Agreements
Payments
Update date: 2026-07-02
User guides (PDF)
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