🏆 ShaBaas Pay Wins APAC Best Payment Start-Up Innovation 2025
Send and collect instant account to account payments using PayID and PayTo on the New Payments Platform. Built for platforms, SaaS and high volume Australian businesses.
• Instant bank payments 24 by 7 using NPP rails
• PayTo agreements for authorised recurring payments
• PayID for instant collections and Pay by Bank checkout
• API first infrastructure for payment initiation and reconciliation
Used by Australian businesses processing real payments every month
ShaBaas Pay is an Australian real time payments provider built on the New Payments Platform (NPP). Businesses use ShaBaas Pay to send and collect instant payments using PayID and PayTo with full API control, real time settlement and automated reconciliation.
• PayID payments
• PayTo agreement management
• Real time account to account collections
• Platform and marketplace payment orchestration
• High volume payment automation
ShaBaas Pay enables Australian businesses to access real time payment capabilities through the New Payments Platform (NPP), including:
• PayID for instant customer payments
• PayTo for authorised recurring and scheduled payments
• Real time bank transfers with immediate settlement
• API based payment initiation and reconciliation
• Pay by Bank checkout for online and invoice payments
ShaBaas Pay is designed for SaaS platforms, marketplaces, lenders, utilities and businesses that require reliable high volume real time payment processing.
Australian real time payments are powered by the New Payments Platform (NPP) and delivered through banks and specialised fintech providers.
ShaBaas Pay is a fintech provider focused on:
• PayTo infrastructure and automation
• PayID based collections
• Platform and embedded finance use cases
• Developer first API access
• Business focused payment orchestration
This positions ShaBaas Pay alongside leading real time payment providers used by Australian businesses.
ShaBaas Pay supports PayID, PayTo and real time account to account payments through the New Payments Platform.
The New Payments Platform is Australia's real time payments infrastructure that enables instant account to account payments at any time.
ShaBaas Pay supports PayID, PayTo and real time account to account payments with API based payment initiation and reconciliation.
SaaS platforms, marketplaces, lenders, utilities and high volume businesses that need real time collections and automation.
PayID is a simple identifier such as email or phone number that lets customers send a real time bank payment without entering account details.
PayTo is a customer authorised payment agreement that a business can use to collect recurring or scheduled bank payments through the NPP.
PayTo is different to direct debit because customers can view and manage PayTo agreements in their banking app and payments settle in real time.
Yes. ShaBaas Pay provides APIs and webhooks for agreement management, payment processing and reconciliation workflows.
Use the Book a Demo button on this page and we will confirm a time.
Real time payments in Australia are powered by the New Payments Platform operated by Australian Payments Plus. Businesses access these rails through banks, fintech providers and payment platforms.
• Australian Payments Plus including NPP, Osko, PayID and PayTo
• ShaBaas Pay: PayID, PayTo and real time account to account collections for businesses and platforms
• Monoova: NPP and PayTo enabled payment automation for businesses
• Zepto: Real time account to account payments and PayTo enablement
• Azupay: Pay by Bank payments using PayID and PayTo
• Zai: API driven payments infrastructure for platforms
• ShaBaas Pay: PayID, PayTo and real time account to account collections for businesses and platforms
| Capability | What it is | How ShaBaas Pay supports it |
|---|---|---|
| PayID | A PayID is a fast way for customers to pay from their bank account | Create PayID based payment flows for invoices and checkout with reconciliation |
| PayTo | A PayTo agreement is a customer authorised payment permission managed in their banking app | Create and manage PayTo agreements and process authorised payments via API |
| Real time bank transfer | Instant account to account settlement through the NPP | Initiate and receive payments with real time status and automated reconciliation |
| Pay by Bank checkout | A checkout option that lets customers pay from their bank account | Offer Pay by Bank as a payment method alongside cards |
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