High Risk Merchants - PayTo

AP+ is temporarily restricting high risk merchants from using PayTo.​

The objective behind enforcing such a change is to establish PayTo as a highly trusted payment channel and ensuring that risk-based decisions within each financial institution does not lead to further variability in the service Australians receive with PayTo.

The primary risk to be controlled is fraudsters crediting liquid accounts which can either be re-directed quickly or converted to other liquid instruments.​

High Risk Merchants are not being ‘de-banked’ and all other NPP ​services remain unaffected, including Azupay’s PayOut and PayID ​based solutions. ​

Restriction will be removed from July 2025 once PayTo industry-wide risk management has matured. ​

Types of merchants that are impacted

​High-risk merchants are those in the following Merchant Category Codes:

• MCC 6211: Security Brokers and Dealers
• MCC 6530/6540: Remote Stored Value Load-Merchants
• MCC 4829: Wire Transfer Money Orders
• MCC 7995: Betting

Additionally, any merchant which enables an e-wallet, stored value facility, or any other liquid
account for its customers is considered high-risk, regardless of the applicable MCC.

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