Key takeaways
- A clear consent UX is the most important factor in successful PayTo implementation.
- Error states and edge cases must be designed before launch, not after.
- Webhook integration is essential for tracking agreement and payment lifecycle events.
- Thorough testing in sandbox and staging environments prevents production surprises.
- A structured go live checklist reduces risk and accelerates time to first payment.
Pre build decisions
Before writing any code, teams should agree on the use cases PayTo will support, the customer segments that will be onboarded first and how bank coverage will be communicated. Not every bank supports PayTo yet, so messaging should be clear and honest. Choosing the right payment rails for each scenario is easier when teams understand the difference between PayTo and PayID and can explain it to customers.
Consent and approval UX
The consent flow is where customers decide whether to trust the payment process. Screens should clearly show the agreement terms including amount, frequency and who is requesting the payment. Copy should be plain, direct and free of jargon. Customers should have time to review before approving and should receive a confirmation after authorisation. Reminders for pending approvals help reduce drop off. For a full explanation of how agreements are structured, see the PayTo agreements guide.
Technical integration
The core integration involves creating agreement objects, handling status callbacks via webhooks, and initiating payments once agreements are active. Idempotency keys should be used on all create and update operations to prevent duplicates. Webhook signatures must be verified to ensure authenticity. Status mapping between the PayTo lifecycle and your internal system should be documented clearly. The PayTo API for platforms guide covers the technical details in depth.
Risk and support
Velocity limits protect against runaway collections. Failed payment handling should include configurable retry rules and customer notification. Customer verification at the point of agreement creation adds a layer of protection. An audit trail of every consent event, status change and payment attempt is essential for dispute resolution and compliance. Building on secure payment infrastructure ensures these controls are robust from day one.
Go live checklist
- Confirm monitoring is active for agreement and payment events.
- Set up fallback payment rails for customers whose banks do not yet support PayTo.
- Prepare support scripts for common customer questions about agreement approval.
- Validate reporting and reconciliation workflows with production data.
- Schedule a post launch review to assess conversion, failure rates and support volume.
.svg)
