PayTo authorisation denied

We monitor your PayTo authorisation requests to help protect you from fraud or scams, prevent potential breaches of relevant laws, avoid regulatory actions and manage risks effectively.

If something is detected, we may deny the authorisation of your PayTo agreement.

After attempting to authorise an agreement, if you receive an Authorisation failed error message, this means the authorisation has been denied by NAB.

Within your list of PayTo agreements, this PayTo agreement will have a status of ‘Cancelled’. 

What to do next

Once an authorisation has been denied, any reattempts to authorise a reissued agreement with this biller may continue to be blocked.

If you still want to make the payment to this biller, you’ll need to contact them to see what alternative methods of payment are available. Always proceed with care when making payments as funds may be unrecoverable.

Keep your PayTo payments safe

It’s always important to carefully review PayTo agreements sent to you.

1. Verify the merchant or payment initiator's name to confirm that you are authorising payments to the correct entity.
2. Check the payment amount to ensure it matches what you have agreed upon. This includes verifying any fixed or variable amounts.
3. Check the payment frequency to ensure it matches the schedule of payments you have agreed upon, whether they are one-off or recurring.
4. If you receive an unexpected PayTo agreement decline a new agreement or cancel an existing agreement.
5. Remember don’t proceed if someone is pressuring or coaching you to authorise a PayTo agreement. Decline and contact NAB.

Get in touch