# How to Accept PayTo and BNPL on Shopify?

For Australian merchants, providing a seamless and diverse payment experience is no longer optional; it is essential for growth. Australia is a global leader in contactless payments, with digital wallets and Buy Now, Pay Later (BNPL) services increasingly influencing online consumer preferences. To help AU Shopify merchants capture this demand, [**EasyPie Checkout**](https://easypie.shop/shopify) offers a comprehensive third-party checkout solution that integrates directly with your Stripe and Shopify accounts to unlock over 40 payment methods in a single integration.

**Next-Generation Bank Payments with PayTo**

A major advantage for Australian merchants using EasyPie Checkout is the ability to accept **PayTo**, a real-time bank payment method built on Australia’s New Payments Platform (NPP).

• **Real-Time and Secure:** PayTo allows for instant bank transfers where customers authenticate and approve payment mandates directly through their mobile or online banking app.

• **Recurring and One-Time:** It is ideal for both one-off purchases and recurring subscriptions, offering a secure, customer-authorized alternative to traditional credit cards.

• **Lower Costs:** PayTo typically offers lower transaction fees compared to credit cards, making it a cost-effective choice for high-volume merchants.

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**One Integration, Every Major Australian Payment Method**

Australian shoppers expect flexibility at checkout. While cards (Visa, Mastercard, Amex, eftpos) still account for roughly 46% of the market share, digital wallets and BNPL services represent a significant portion of online transactions. With **EasyPie Checkout**, you can offer a truly localized experience by enabling:

• **Buy Now, Pay Later (BNPL):** Support for local favorites like **Afterpay**, **Zip**, and **Klarna**.

• **Bank Debits:** Access **BECS Direct Debit** for reliable bank-to-bank transactions.

• **Digital Wallets:** Enable **Apple Pay** and **Google Pay** for mobile-first convenience.

• **Global Reach:** Beyond Australia, you can accept international methods like **Alipay**, **WeChat Pay**, **iDEAL**.

**Streamlined Subscription Management**

EasyPie Checkout is more than a gateway; it is a full-service terminal that handles **one-time and recurring payments** without requiring expensive third-party subscription apps.

• **Automatic Invoicing:** Stripe handles all billing, and EasyPie automatically creates a new order in your Shopify store every time a successful payment is collected.

• **Customer Portal:** Provide your customers with a secure interface to manage their subscriptions, update payment methods, and view invoices.

• **Smart Recovery:** Benefit from Stripe’s **Smart Retry** logic to recover failed payments and reduce churn.

**Built-In Security and Conversion Tools**

EasyPie Checkout leverages the latest Stripe technology to protect your business and boost conversion rates:

• **Stripe Radar:** Use advanced machine learning to detect and block fraudulent payments in real-time.

• **3D Secure 2:** Dynamically apply authentication protocols to meet regulatory requirements and minimize checkout friction.

• **Stripe Address Element:** Increase conversion with built-in address autocomplete, reducing validation errors during checkout.

• **Multi-Currency & Multi-Language:** Sell globally by displaying prices in 135+ currencies and offering a checkout interface in 10+ languages, including English, Chinese, and Japanese.

**Transparent Pricing with No Hidden Fees**

One of the most significant benefits for Shopify merchants is the cost structure. Unlike many other apps, **EasyPie does not charge additional Shopify commissions** or hidden transaction fees; you only pay your Stripe processing fees.

• **One-Time Fee:** Merchants pay a one-time fee for an EasyPie Shopify Pack.

By integrating **EasyPie Checkout** with **Stripe**, AU merchants can reduce their reliance on credit cards, offer the bank-based experiences customers trust, and manage their entire sales ecosystem from the familiar Shopify and Stripe dashboards.