Blog
How Flexible Payments give your customers control—and your team fewer headaches
Flexibility that works for everyone
Flexible Payments don’t just change how customers pay—they change how you operate. By combining PayTo and PayID with digital delivery, your team can offer ratepayers an experience that matches the flexibility of modern banking.
Whether it’s scheduling payments around their payday, instantly approving or updating a payment agreement, or getting notified before money leaves their account, ratepayers stay in control. And when they’re in control, you spend less time fixing problems, chasing debt, or managing exceptions. Traditional direct debit gives control to the biller. PayTo flips that, giving control to the payer—without compromising efficiency for your team.
With PayTo, ratepayers can:
- Authorise payments securely in their bank app
- Pause or cancel payment agreements
- Get alerts before each payment is processed
- Schedule payments around their own income cycle
That kind of transparency builds trust—and makes people more likely to opt in.
Why it’s a game-changer for internal teams
When customers control their schedule, you no longer need to:
- Chase late payments manually
- Handle disputes over withdrawn funds
- Spend hours reconciling dishonoured transactions
Instead, you get real-time confirmation of every agreement, immediate visibility on failed payments, and the tools to automate follow-ups—all within the Payreq platform.
Less friction, more adoption
Because PayTo is customer-led and easy to manage, it increases participation in digital billing and auto-payment programs. When paired with the Payreq Smart Mailbox, you get a streamlined, tap-to-pay experience that drives real results.
What success looks like
- Reduced overdue accounts
- Fewer support tickets related to payments
- Improved forecasting and financial control
- Better relationships with your community
Giving people control isn’t risky. It’s smart. And with PayTo through Payreq’s Flexible Payment solution, it’s also secure, trackable, and fully auditable.
