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

QR Codes

Help your customers pay with just one click*

Give your customers more choice and reduce the risk of payment errors, with QR Codes from BPAY.

QR Codes let your customers make a bill payment in seconds, simply by scanning the QR code on their paper or electronic bill with their mobile or tablet device.

The easier it is for your customers to pay, the more likely they are to pay on time, improving your business cash flow. QR Codes are easy for your business to create and use, with step-by-step support from your financial institution. BPAY QR codes can currently be scanned using NAB’s mobile banking applications.


BPAY QR codes




How do BPAY QR Codes work?

Your financial institution can help you apply the BPAY QR Code specifications to create a BPAY QR Code for each bill, based on the billing information you already sent to your printer or Bill Service Provider.

When customers receive your bill, they can log onto their mobile banking app and if their financial institution offers BPAY QR code compatibility, they can scan the BPAY QR Code. The application automatically creates a BPAY payment, so they can complete the transaction in moments.

How BPAY QR Codes can help your business

  • Faster cash flow than other payment methods

    Research shows people who pay by mobile are more likely to pay straight away — potentially accelerating your cash flow**

  • Fewer errors

    Reduce the risk of keystroke errors and the time your staff spend chasing up incorrect payments, with essential information automatically uploaded from the BPAY QR code

  • A stronger brand

    Reinforce your image for offering new ways to make your customers' lives easier

  • More choice for your customers

    Improve the customer experience by giving them the option of fast and easy bill payments


*Not all financial institutions are QR code compatible
** Based on BPAY Usage and Attitude survey, 2015

BPAY - QR Code