Australia PAY TO instant payments via bank authentication - No Merchant fees

Payments + Shipping & Fulfilment

Topic summary

A user is requesting Shopify integrate PayTo, Australia’s instant bank payment system that eliminates merchant fees.

Key Context:

  • PayTo enables direct bank account payments with zero transaction costs
  • Amazon Australia has already implemented PayTo and offers customers 3% discounts for using it
  • The request acknowledges this would impact Shopify’s merchant fee revenue

Current Status:

  • This is an open feature request with no response from Shopify yet
  • No discussion of feasibility, timeline, or alternative solutions has occurred
Summarized with AI on October 24. AI used: claude-sonnet-4-5-20250929.
1

Hi Shopify, I know you earn alot of $$ via merchant fees however would you consider integrating with PAYTO in Australia for 0% merchant fees?

Amazon is now using it and offering customers 3% off for customers who pay via it skipping card transaction costs.