Just Budget Pty Ltd is a well-respected company specialising in debt management. Our primary goal is to remove the pressure from our clients and help Australians take back control of their finances.
Just Budget uses PayTo to collect payments. This provides clients with greater control, security and convenience than was ever possible with standard Direct Debit payments.
PayTo is the default option when debiting your designated bank account. PayTo is a real-time solution that gives you greater transparency, security and control of your payments and eradicates any delays that come with traditional direct debits.
PayTo is an innovative payment option that enables instant processing of recurring payments. Unlike standard direct debits that have a 2-3 day processing time, PayTo eliminates any delay. You will simply need to approve your PayTo agreement through your bank’s app or online portal before using this payment method.
PayTo direct debits must be supported by your bank before Just Budget can offer this service. Currently, PayTo is widely adopted among most Australian banks making it a viable option for Just Budget customers.
A PayTo Agreement is a real-time direct debit arrangement that outlines key details such as payment frequency, amount, start date, payee, and other relevant terms. Similar to a traditional Direct Debit Service Agreement, a PayTo Agreement allows you to view and manage it through your bank’s online portal or your mobile app. If your bank supports PayTo, you will receive a PayTo Agreement request at the beginning of you journey with Just Budget.
The $2,700 listed on your PayTo Agreement represents the maximum amount Just Budget could request if instructed by you. This does not reflect your actual upcoming payment. Your actual upcoming repayment will be communicated to you by your case manager or Just Budget staff member.
Yes, a new PayTo Agreement can be generated at any time. If we detect that you don’t have an active PayTo Agreement, Just Budget will automatically create a new one for you. To Accept your new PayTo arrangement you will need to approve it through your bank’s online portal or your mobile app.
You will need to review and approve your PayTo agreement in your bank’s online portal or mobile app.
Once you receive a notification that your PayTo agreement has been created, please head to your internet banking portal or mobile banking app, and you should see a notification asking you to review and accept the PayTo Agreement.
Please note you must accept the PayTo agreement within 5 days of its creation. We appreciate your support in establishing your PayTo agreement.
Yes, you can pause or cancel a PayTo Agreement through your bank’s online portal or mobile app by selecting the agreement and choosing either “Pause” or “Cancel.” However, please note that to continue using Just Budget services, you must always have an active PayTo agreement in place. Once again we appreciate your support in establishing your PayTo agreement.
You can update your PayTo bank account details by contacting one of our friendly staff on 1300 795 775. If a direct debit is already in progress when you make the update, the new account will be used for the next scheduled payment.
Just Budget Pty Ltd is a well-respected company specialising in debt management. Our primary goal is to remove the pressure from our clients and help Australians take back control of their finances.