An easier way to manage receivables and payables

BPAY helps you send bills, receive funds and pay suppliers faster and more efficiently. We offer a complete range of receivables and payables services, with advanced features to simplify payments and reconciliation.

BPAY Services Overview


BPAY has released Application Program Interfaces (APIs) which enable businesses who are signed up with a participating Financial Institution to build BPAY services into their systems (like accounting packages and software providers), enabling them to lookup billers, validate payment data, create customer reference numbers and create BPAY batch files in real time*

There are 4 APIs available 
Retrieve BPAY Biller Details
Validate BPAY Payment
Generate BPAY Batch File
Generate BPAY CRN 

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*Terms and conditions apply. 
Click on a service or feature to learn more


Receivables made simple

Join over 45,000 leading businesses across Australia who have already discovered the simplicity and convenience of managing receivables with BPAY.

How does BPAY work?

Simply register as a biller with your financial institution, then add the BPAY logo, Biller Code and Customer Reference Number to every bill you send. When a customer pays by BPAY, you will receive cleared funds on the next Banking Business Day^, together with an electronic payment file for easy reconciliation.

Contact your financial institution for details about BPAY and fees

BPAY – how it works




How BPAY can make it easier to do business


  • Better cash flow

    Improve your business cash flow by receiving cleared funds from bill payments on the next Banking Business Day^, while eliminating the risk of chargebacks or dishonoured cheques

  • Easier reconciliation

    Reduce time spent allocating bill payments, with detailed daily payment files you can load into your preferred accounting system for automated reconciliation processing

  • More efficient cash collection

    Reduce time and resources spent preparing and chasing bills, freeing your staff to concentrate on core business activities

  • More choice for your customers

    Offer your customers a wider choice of online, mobile and phone payment options, with the security and confidence of Australia’s most popular billing service*

  • Marketing support from a trusted brand

    Promote your brand and encourage your customers to pay online and on time, with expert support from the BPAY marketing team

    Find out more about BPAY marketing support


Need Marketing Assistance?

BPAY can assist you in the promotion of BPAY and BPAY View to your customer base. View our Marketing Support page for more information.

* BPAY Usage and Attitudes Survey 2015

^ Banking Business Day means a day on which banks in Sydney or Melbourne are able to effect settlement through the Reserve Bank of Australia


The BPAY process

BPAY Process