PayTo is Australia's domestic real-time payment system — built by the same infrastructure behind PayID and Osko. Ledgex is the software that helps businesses use it for installment billing. We set up the agreements. PayTo moves the money directly between Australian bank accounts. We never touch your funds.
Ledgex is Australian billing software. We help you set up and manage PayTo agreements between your business and your customers. Every dollar flows directly from your customer's Australian bank account to yours — through the NPP. Not through us.
We are not a payment processor, payment facilitator, or money services business. We don't hold, transfer, or custody client funds.
Funds move directly between Australian bank accounts via the NPP — Australia's domestic real-time payment infrastructure.
No settlement accounts. No holding funds. No rolling reserves. You receive payment directly when your customer pays.
We provide the software dashboard. You set your terms. PayTo — Australia's domestic payment system — handles the money directly between banks. Simple.
Using our Australian software dashboard, you decide: deposit amount, number of installments, payment schedule. Ledgex generates the PayTo agreement.
Your customer receives the PayTo agreement and approves it directly in their Australian banking app — the same place they use PayID and Osko.
PayTo debits each installment on schedule. Money moves directly between Australian bank accounts via the NPP. Ledgex shows you the status — nothing passes through us.
International payment processors take a cut of every sale AND sit between you and your customer. Ledgex helps you use Australia's own payment infrastructure instead.
International payment platforms take a massive cut of every Australian transaction — and they hold your funds for days.
Global processors route funds through overseas accounts and card networks. Your customers' payments go on an international journey before reaching you.
Third-party platforms own the customer experience. Your customer sees their brand, their app — not yours.
You already know PayID. PayTo is built on exactly the same system — Australia's New Payments Platform (NPP). PayID lets you send money to a phone number or email. PayTo lets businesses set up scheduled, recurring, and installment payments — all using the same real-time Australian infrastructure.
PayTo is a real-time payment system operated by NPP Australia — the same organisation behind PayID and Osko. It's Australia's domestic alternative to card networks: faster, cheaper, and built into every Australian bank.
Ledgex is the software layer that helps businesses create and manage PayTo agreements. PayTo is the Australian payment rail that moves the money. We are not the same thing.
Ledgex is Australian billing software that helps you run installment billing. Here's what's included.
Create, configure, and send PayTo agreements to your customers. Set deposit amounts, installment schedules, and payment frequency via our Australian software dashboard.
Track every PayTo agreement, payment status, and customer in one place. Real-time reporting on what's been paid and what's coming up.
Once a PayTo agreement is active, Ledgex automatically tracks each installment as it clears via the NPP. No manual reconciliation.
Set any structure: 4 payments fortnightly, 30% deposit + 3 monthly, custom schedules. Your Australian business, your rules.
Connect Ledgex to your existing checkout, invoicing, or ERP system. REST API with webhooks for every PayTo agreement event.
Your customers see their PayTo payment schedule, remaining balance, and history — branded to your business, not ours.
There's an important difference between a payment processor and Australian billing software.
| Payment Processors (PSPs) | Ledgex (Australian Software) | |
|---|---|---|
| What we are | Payment intermediary — money flows through them | Australian billing software — money never passes through us |
| Funds handling | Hold client funds, settlement accounts, reserves | We never touch your money. Not one dollar. |
| Money path | Customer → PSP → Merchant (days later) | Customer's bank → NPP → Your bank (real-time) |
| Payment rails | International card networks (Visa/MC) | Australia's domestic NPP (same as PayID) |
| Cost | 4-6% + $0.30 per transaction | ~1% software fee |
| Customer relationship | PSP owns the experience | You own the customer relationship |
| Licensing | Requires AFSL, AML/CTF compliance | Software — no financial licence required |
| Settlement | T+1 to T+3 business days | Real-time via NPP (24/7/365) |
We're onboarding Australian pilot merchants now. See how Ledgex helps you set up PayTo billing — without touching a cent of your money.
Contact us at
[email protected]Ledgex Pty Ltd — Australian-owned billing software. Sydney, NSW.