Payment Scheduler

Overview

Payment Scheduler is a capability within Azupay's Pull Payments that lets you automate recurring collections with PayTo. Instead of initiating each payment manually or running batch cycles, you set the amount, frequency, and timing once against an authorised PayTo agreement, and Azupay initiates each payment automatically on the agreed cadence.

This turns PayTo into a practical alternative to direct debit and card-on-file for repeat payments: collections run on real-time rails, always within terms your customer has already authorised at their bank, and with less manual effort required by your finance and operations teams.

Payment Scheduler is best suited to businesses with recurring payment models - rent, memberships, fees, premiums, subscriptions, and instalment plans - that today rely on manual processes or legacy collection methods.

How it works

Once a customer has authorised a PayTo agreement, you create a single schedule against it and define:

The amount to collect each run
The frequency - weekly, fortnightly, monthly, or annual
A start date, and an optional end date

From there, Azupay identifies each due run and initiates the payment automatically. You can pause and resume a schedule, or amend the amount, timing, or end date whenever you need to. Every run happens within terms of the underlying PayTo agreement, so collections always stay inside what your customer has approved.

You keep full visibility through the tools you already use. Scheduled payments appear against linked PayTo agreements in the Azupay Dashboard, and a dedicated Daily Scheduler Report summarises schedule status, upcoming run dates, and recent payment attempts. Payment outcomes flow through the same webhooks you already receive for PayTo payment agreements and payment initiations - there's nothing new to consume.

How this fits into your business

Payment Scheduler isn't just automation for its own sake - it becomes the standard way your business runs recurring collections.

Remove manual effort - payments run automatically on a set schedule, with no need to trigger each one
Reduce missed, delayed, or inconsistent payments - consistent timing, every cycle, on real-time rails
Free up your teams - finance and operations spend less time running payment cycles and following up
Stay within authorised terms - every run happens inside the caps and cadence your customer has approved
Extend PayTo into recurring workflows - move beyond one-off payments without batch processing

For many businesses, this becomes a set-and-forget part of how they collect: configure the schedule once, and let it run.

Where Payment Scheduler delivers the most value

Payment Scheduler is particularly valuable where payments recur, timing matters, and manual effort or legacy methods are holding things back.

Real estate & property - Automate rent collection and other recurring tenant payments.
Memberships & subscriptions - Gym memberships, clubs, and SaaS-style recurring billing.
Childcare & education - Recurring fees and structured payment plans.
Insurance & financial services - Premium collections and instalment payments.
General recurring billing - Subscriptions, account top-ups, and scheduled repayments.

It's a strong fit for any business collecting repeat payments that wants to move away from manual initiation or direct debit. It's less suited to one-off payments or businesses without a recurring revenue model.

Good to know

A few things worth understanding as you plan your solution:

One schedule per agreement - each PayTo agreement carries a single active schedule, so model your collection setup with one recurring arrangement per customer agreement in mind.
Each run is attempted once - Payment Scheduler doesn't automatically retry a failed run or catch up a run missed while a schedule was paused. Chasing an outstanding collection is driven from your own processes.
Customer communications stay with you - Azupay initiates the payments; notifying your customers about upcoming, changed, or failed collections remains part of your own experience.

Integration approach

Payment Scheduler builds on your existing PayTo setup, so if you're already using Pull Payments there's no new customer experience to design. Schedules are created through the same Azupay API framework you already integrate with, and reuse the webhooks and dashboard you have in place today.

Your Azupay contact can help you confirm whether Payment Scheduler fits your collection model and the best way to roll it out.

Developer resources

For technical implementation details, refer to the Azupay Developer Docs: