Billing with BPAY
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Who uses BPAY?

BPAY is offered by more than 150 Financial Institutions and is offered on over 45,000 bills. This makes it Australia’s most widely-used bill payment service.

Over 65% of Australian adults have used BPAY in the last 12 months*. To join the thousands of businesses already using BPAY to help manage their billing, talk to your Financial Institution or contact us today.

*Based on BPAY Usage & Attitude survey 2015

What are the benefits of becoming a BPAY biller?

Here are just some of the ways BPAY can help your business:

  • Accelerate cash flow. Receive cleared funds in your account on the next Banking Business Day^. There are also no chargebacks, since the funds are taken from the credit card’s underlying account.

  • A tool to manage when and how much you are paid. Intelligent Customer Reference Numbers (CRNs) allow you to specify the bill amount or payment date, or a combination of both.

  • Get paid sooner. 15% of BPAY bills are paid on the day they are received, and on average 7.9 days before the bill’s due date, which is faster than any other payment method*.

  • Enjoy marketing support. Build your brand and promote the benefits of fast electronic payments, with support from the BPAY marketing team.

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

*Based on BPAY Usage and Attitude survey, 2015

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’ll have the money in your account on the next Banking Business Day^, together with an electronic payment file for easy reconciliation.

Settlement occurs at the end of each Business Banking Day^. BPAY processes the file containing the payer details and sends a report to its Financial Institution members.

Your Financial Institution sends you a customised payment information file, with everything you need to update your receivables system and keep track of payments.

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

How do I become a BPAY biller?

To become a BPAY biller, simply contact your financial institution

Can an overseas business become a BPAY biller?

BPAY is only available for businesses that have an ACN, ABN or ARBN and a banking relationship with an Australian Financial Institution. BPAY payments can also only be made from participating Australian Financial Institutions.

What does BPAY cost?

BPAY is a service delivered through your Financial Institution. FIs set fees for using BPAY as a payment service. Please speak with your Financial Institution for further details.

What payment methods can I offer using BPAY?

As a BPAY biller, you get to choose which payment methods you would like to offer your customers through BPAY. The options are:

  • Debit accounts

  • Credit card accounts

Is it safe to accept BPAY payments from a credit card account?

Yes. When you accept a payment from a credit card account, you’ll enjoy cleared funds in your account the next Banking Business Day^ following payment. There is no risk of credit card chargebacks, because the payment is processed through the BPAY system from the underlying account, and not via the credit card. Further, the payment is made from within the secure environment of the customer’s online, mobile or phone bank.

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

Customer Reference Numbers (CRNs)
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What is a customer reference number (CRN)?

The CRN is a unique 2 – 20-digit number that appears on every customer bill. You use the CRN to identify the account or bill to be paid without providing any personal information about the customer.

You can use CRNs like account numbers, putting the same CRN on every bill you send an individual customer. Or you can use them like invoice numbers, putting a different CRN on each individual bill. We call that a variable CRN which can be used to track individual transactions for a customer that may receive multiple bills from you within a billing period.

You can even use an Intelligent CRN (iCRN) that ensures customers are only able to pay the exact amount you have specified, or by a particular date you have specified, or both. Please read below for more information.

What is a check digit?

The check digit is a special number used in BPAY CRNs, calculated from the other digits in the CRN.

It helps to make sure your customers don’t enter the wrong numbers, or transpose the digits when they are making their BPAY payment. So you can be more confident that the bill they paid is the one they meant to pay.

Where can I get advice on check digit routines?

Your Financial Institution can help with implementing a check digit routine.

What is an Intelligent Customer Reference Number (iCRN) and how do I set it up?

iCRN stands for Intelligent Customer Reference Number. You can use it to set the amount the customer is allowed to pay, or the date the bill must be paid by, or both. iCRN may be useful for businesses like insurers that do not wish to be bound by a contract unless they receive an agreed amount on time, or where there is a requirement for a specific payment to be made in full or by a specified date, such as a fine or vehicle registration.

Your Financial Institution can help you set up iCRN for your bills.

Master Biller/Sub-Biller
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What is a Master Biller arrangement?

In a Master Biller arrangement, the Master Biller signs up to help other businesses offer BPAY payments to their customers — similar to a payment clearing house. In return for a fee*, the Master Biller may be able to assist in the billing, receipting, and reporting for BPAY payments, as a service to their Sub-billers.

*Fees are set by the Master Biller and agreed with the Sub-Biller.

How does a Master/Sub-biller arrangement work?

Speak to your Financial Institution if you are interested in signing up as a Master Biller.

Master Biller arrangements may be appropriate for businesses in industries with a high number of sole traders or franchisees, or which receive frequent payments from a large number of different sources. For example, Master Biller arrangements may be suitable for businesses in:

  • Property rental

  • Child care

  • Education

  • Retail

  • Strata management

  • Building services

  • Accounting

What are the benefits for Master billers?

Potential Benefits for Master Billers

  • Additional revenue. Earn extra revenue from transaction fees paid by your Sub-billers.

  • Stronger business relationships. Form lasting relationships with your business customers with value-added services that could save them time and money, including daily bank reconciliation files, automated reconciliation of receivables, receivables management services, outsourced billing services and more!

  • Support franchisees. Support franchise arrangements — even gaining visibility of Sub-Biller BPAY payment volumes and values.

What are the benefits for Sub-billers?

Potential Benefits for Sub-Billers

  • Faster cash flow. The Sub-biller enjoys cleared funds in their business account, without the risk of chargebacks.

  • Lower overheads. Using BPAY can assist their business to streamline their billing and payment reconciliation process, helping them to reduce overheads.

  • Less administration. The Master Biller can take care of analysing receivables transactions, and deals with the Biller Institution for the Sub-biller, freeing up time so they can focus on their business. The Master Biller may even offer a full billing and collection service on the Sub-biller’s behalf.

BPAY QR (Quick Response) codes on bills
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What is a QR code?

Quick Response (QR) codes are 2-dimensional bar codes which enable a mobile phone or tablet to access information about a product, service or person by scanning the code either from paper or electronic media.

What is a BPAY QR code?

BPAY QR Codes are a quick way for your customers to create a bill payment in seconds and register for BPAY View.

What are the benefits of using a BPAY QR code on your bill?
  • 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

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

  • Improve the customer experience by providing the option of fast and easy bill payments

How do I generate a QR Code?

QR Codes can be generated by your Printer or Bill Service Provider, based on your payments (and/or BPAY View) information.

Displaying the QR Code and associated BPAY Branding/Payment or BPAY View registration options will need to adhere to the BPAY Brand Guidelines. Approval needs to be sought from your Financial Institution prior to it appearing on the bill, as per current requirements.

Which Payer Financial Institutions offer the QR Code scanning functionality to your customers?

Currently, National Australia Bank supports QR code scanning through their mobile banking application.

What are Customisable BPAY QR Codes?

Water and utility companies can include an enhanced BPAY QR Code on their invoices to property and strata management companies which provides additional functionality, allowing the invoices to be scanned and processed by their software automatically. Property companies can then submit a batch of BPAY payments that the utility company can reconcile easily, speeding up processing time and eliminating capture errors.

Where do I get more information on customisable QR codes?

Your Financial Institution can help you set up QR codes for your bills.

Sending Bills via BPAY View
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What is BPAY View?

BPAY View is a bill presentment and payment service that makes it easier and faster for your customers to pay, with convenient and secure payments direct from their online or mobile bank.

With BPAY View, your customers will see their bills when they log on to their online or mobile bank, with the option to pay straight away or schedule payment for later. BPAY View is already supported by over 54 Financial Institutions around Australia.

How does BPAY View work?

The process is very simple: all you need to do is sign up as a BPAY View biller with your Financial Institution. Then, when you’re ready, send your bill data to BPAY or your Bill Service Provider. We’ll send bills and statements straight to your customers’ online or mobile bank, where they can then view the bill and pay.

What are the benefits for my customers?

BPAY View makes it easy for your customers to view, pay and store bills and statements, all in the same convenient and secure location. Instead of getting bills in the mail or email and having to visit each biller’s site to pay online, your customers can view and pay bills directly from their online or mobile bank.

Here’s a summary of how your customers can benefit from BPAY View:

  • Easy access. Customers can access their bills anytime and from anywhere through BPAY View on their online or mobile bank*.

  • Convenience. Customers can view and pay multiple bills from multiple billers all in the one location, making it faster and easier to pay.

  • Choice. Your customers can choose to use any payment method you allow, including BPAY.

  • Organisation. Bills can be viewed, paid and stored in one electronic location — no more filing required.


*BPAY View is accessible anywhere and anytime your customers have access to online or mobile banking.

How can BPAY View benefit my business?
  • Save on the time and cost of printing and mailing bills, by using BPAY View to send bills and statements online in bulk

  • Send bills and process payments securely with less need to invest in your own secure payment infrastructure, software and IT support

  • Your customer’s financial institution notifies them when a bill arrives and again before the due date. This encourages your customers to pay on time, by enabling them to receive bills on the same online or mobile banking that they use to pay them

  • • Get paid faster, with an integrated bill presentment and payment service that puts cleared funds in your account on the next Banking Business Day^

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

Do my customers have to pay by BPAY?

When your customers view their bills on BPAY View, they can choose to pay them with any of the payment methods you allow — it doesn’t have to be by BPAY.

However, if they do pay by BPAY directly from BPAY View, the Biller Code and Customer Reference Number are automatically filled in and the Financial Institution then marks the bill as paid, making it faster and even more convenient to pay.

How do I become a BPAY View biller?

To become a BPAY View biller, first contact your Financial Institution.

We’ll work with you, your Financial Institution and your Bill Service Provider to help test and implement your BPAY View system.

Is BPAY View compatible with my bill distribution processes?

BPAY View can be used together with any proprietary bill presentment option, such as direct to consumer emails.

When your customers receive their summary bill from their online banking service, they can click through to see the detailed bill, driving extra traffic to your site. In this way, you can use your bills to increase customer engagement, or create an effective and targeted sales and marketing tool.

What does BPAY View cost?

Because BPAY View is a service delivered through your Financial Institution, they set fees for BPAY View.

Will it work for my business?

We understand that a BPAY View implementation can feel like a big step. So we’re happy to work with you and your Financial Institution to see if BPAY View is the right solution for your business.

To start the conversation, please contact your Financial Institution.

How should I promote BPAY View to my customers?

When you send out a bill, it needs to have the BPAY logo, and your BPAY View Registration Number. Your customers will need to register to receive your bills and invoices via BPAY View.

See the BPAY Brand Guidelines for more information on adding BPAY details to your bill.

To get the most from this service and to help your customers get the most from BPAY View, we also suggest additional promotion to increase awareness of your BPAY View Services. Our marketing team can help you with ideas and opportunities to inform your customers about your BPAY View service — please contact us on our Marketing Support Page to discuss your options.

You can also find some standard flyers about BPAY View on our Marketing Support Page. You can use this as a basis for your own marketing materials, or simply add your business logo to ours.

Can BPAY View help us reduce our environmental footprint?

BPAY View can assist in reducing your business’ impact on the environment by switching off your paper bills.

Who provides Bill Services for BPAY View?

Bill Service Providers support BPAY Billers and Member Financial Institutions at multiple points in the BPAY process, including technical certification for BPAY View, software integration, billing and receivables managements, and bill printing. The following Bill Service Provider organisations have successfully obtained BPAY View Certification for current BPAY View Billers:

  • Computershare
  • Forms Express
  • Fuji Xerox
  • IQ mail
  • Lane Print and Post
  • Payreq
  • PML
  • Securepay
  • Zipform

For further information and details on using a Bill Service Provider, you should contact your Member Financial Institution and obtain a copy of the relevant part of the BPAY Scheme Rules and Operating Procedures.

How do my customers view their BPAY View bills?

Your customer will receive a notification of a new bill from their Financial Institution (either in their online or mobile banking, or by email, or both). When they log into their internet or mobile banking, they can view a bill summary in the BPAY View section, which includes information like the biller, payment amount and due date. Clicking on a link in the bill summary will take them to a more detailed bill that is hosted on your website (or the Bill Service Provider’s site), which can look exactly like a paper bill.

Do I need to show BPAY details on electronic bills?

Just like your paper bills, your electronic bills need to include the relevant BPAY details. That way your customer has the information they need to pay your bill with BPAY.

You’ll need to include a payment methods section, with a section for the BPAY logo, Biller Code and Customer Reference Number (CRN). Here’s an example:

If you offer BPAY View, those details need to appear on the electronic bill as well.

See the BPAY Brand Guidelines for more information on adding BPAY details to your bill.

BPAY Batch Payments
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What is a Batch payment?

A Batch payment is a way to make multiple BPAY payments at a time to one or more billers — all through a single transaction file. You need to sign up with your Financial Institution to become a Batch payer. Contact your Financial Institution for support.

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What if my customer makes a mistake?

If your customer makes a mistake, advise them to contact their Financial Institution who will be able to assist with the following mistakes:

  • Paid too much

  • Used the wrong Biller Code or Customer Reference Number

  • Accidentally paid the same bill twice

What is a BPAY error correction and how do I process it?

Here are the five types of error corrections and their causes:

  • 1. Mistaken payments — your customer makes a mistake when paying you with BPAY
  • 2. Unauthorised payments — access to your customer’s online, mobile or phone bank is compromised by fraud.
  • 3. Reversals — a system error has occurred.
  • 4. Payment traces — a customer makes a payment, but you don’t receive it.
  • 5. Biller initiated error correction — you receive a payment but you don’t know who it’s from.

There are simple procedures for processing these errors that involve both you and your Financial Institution. You’ll need to contact your Financial Institution to find out what to do.

My customer’s payment was delayed

Check the time the payment was made — if your cut-off time was missed or the payment was made on a weekend or public holiday, it won’t go through until the next Banking Business Day^.

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

Is BPAY secure?

Yes. All BPAY payments are made within the secure environment of your customer’s online, mobile or phone bank, so you can be confident that their security is protected.

The only people with access to your customer’s personal or account details are you, your customer, and your customer’s Financial Institution. BPAY does not receive any of your customer’s personal or account details during the payment process (except the type of bank account they paid from).

Is BPAY View secure?

Yes. Like BPAY payments, BPAY View bills are sent to the secure environment of your customer’s online or mobile bank, so you can be confident that their security is protected.

If your customer chooses to pay a BPAY View bill by BPAY, the only people with access to your customer’s personal or account details are you, the Bill Service Provider, your customer, and your customer’s Financial Institution.

BPAY branding
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BPAY Brand Guidelines

The BPAY brand guidelines aim to provide guidance as to how the BPAY and BPAY View logos and word marks need to appear in various mediums. Should you have any questions relating to BPAY branding, please contact BPAY Marketing.

Note: If you have not updated your bill since 2012, please refer to our new brand guidelines.

General FAQs
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How do I change my Biller Institution?

Your BPAY biller service is managed by your Financial Institution. If you are changing Financial Institutions, you should check to see if they offer BPAY biller services. If they do, they can help you manage the transfer and any changes you need. Find Financial Institutions that offer BPAY biller services.

What if I change aspects of my BPAY service?

If you make any system changes to your BPAY service (e.g. changing check-digit or validation routines), you need to notify your Financial Institutions immediately to ensure that integration with their system and reconciliation can continue to run smoothly.