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*

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*Terms and conditions apply. 

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Sub Biller

Take control of your business finances - and get the support you need

No matter how small your business, you can enjoy the benefits of BPAY by becoming a BPAY Sub Biller.
You can also choose to either

  • use your Master Biller’s BPAY Biller Code and CRN format for payments (for a streamlined and simplified setup process), or

  • request to be allocated your own Sub-Biller code, for a more customised implementation (allowing flexibility of CRN format, accepted payment methods, and business name presence on Payer statements).

What's more, a Master Biller can do more for you than just process payments. They may even take care of all your billing, receipts and reporting.

So you can give your customers a popular, convenient and secure way to pay, while making life easier for you and your staff.

How a BPAY Sub Biller arrangement could help your business

  • Your own BPAY Biller Code

    When you sign up as a BPAY Sub Biller through a Master Biller, you can have your own BPAY Biller Code which gives you flexibility in selecting your own CRN format, and minimum and maximum payment amounts, subject to your Biller Institution approval and within your Master Biller payment limits. Alternatively, you can elect to make use of your Master Biller’s arrangements for a streamlined and simplified setup process. Either way, you’ll receive cleared funds in your account with no chargebacks or bouncing cheques

  • Lower overheads and control costs

    A Master Biller could potentially help you keep overheads low and spend less time managing collection of payments, while streamlining billing and reconciliation of payments

  • More choice for your customers

    Even if your business is eligible for its own BPAY Biller Code, a Master Biller could potentially help you keep overheads low and spend less time managing bill payments


How does it work?

Sign up with a Master Biller
Your Master Biller may be a related company, like a franchisor, or an unrelated business — for example, several well-known small business accounting packages offer Master Biller services.
Start billing
Add the required BPAY information to your bills, including the BPAY Biller Code in your Sub Biller agreement. Depending on the agreement, your Master Biller may even take care of billing for you.
Receive payments
Your Master Biller’s financial institution sends payments straight to either your business account, or your Master Biller’s to collate with other payments they receive. Meanwhile, your Master Biller will send you all the information you need to reconcile payments and track customer accounts.