An easier way to make and collect payments

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

If you would like more information visit
*Terms and conditions apply. 

Click on a service or feature to learn more


Receiving BPAY payments

BPAY is not just for large businesses. Join over 45,000 leading businesses across Australia who have already discovered the simplicity and convenience of receiving and managing payments with BPAY.

How does BPAY work?

Simply register as a biller with your financial institution, then add the BPAY logo, your Biller Code and a Customer Reference Number (CRN) to every bill you send.

The CRN is a unique number generated by your business, to help you easily and automatically track and reconcile every bill and bill payment. You can create valid BPAY CRNs using our online tool, or speak to your financial institution to help you generate CRNs.

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.

BPAY – how it works




How BPAY can make it easier to do business


  • Better cash flow

    Recent consumer research shows that on average consumers using BPAY pay faster. *Get paid faster, cleared funds from bill payments deposited to your account on the next Banking Business Day^, with no risk of chargebacks or bounced cheques

  • Easier reconciliation

    Spend less time chasing bills and matching invoices, with detailed daily payment files you may be able to load into your preferred accounting system

  • More efficient cash collection

    Reduce the time you spend preparing and chasing bills, freeing you up to concentrate on core business activities

  • More choice for your customers

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

  • Marketing support from a trusted brand

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


Ready to become a BPAY Biller?


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.

^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