BPAY for your business
BPAY is an easy and secure way to send bills, receive payments and pay your suppliers.
Receiving payments with BPAY
BPAY is an easy and secure way to receive payments from your customers when they pay their bills or invoices– often within a day*. Save your time for more important things.
Better cash flow
Your money cleared within one banking business day*.
Easy reconciliation
Use BPAY’s unique Customer Reference Number to identify customers easily. You control how much and when they pay^.
Smarter billing
Save on printing costs and deliver bills straight to your customers’ online banking with BPAY View.
Happy customers
Australians prefer paying bills with BPAY. Keep your customers happy.
Become a BPAY Biller
Fill in the form below and we will ask your bank to contact you or you may contact them directly.
Keep track of payments
Create a unique Customer Reference Number (CRN) for each customer. Protect their personal information and make reconciliation easy. Track multiple bills and take control of payments.
With BPAY, you can keep track of payments for specific periods, bills, invoices or transactions using a Variable CRN. Or fix the amount, expiry date or both with an Intelligent CRN (iCRN).
Send bills with BPAY View
We call it BPAY View. Your bank might give it another name. Whatever you call it it’s a simple way to give your customers a secure, easy way to view and pay bills. Send bills and statements online directly to their banking app, in bulk. It’s easy to do, saves you time and helps you manage your costs.
Send bills
Send bills to your customers in their secure online and mobile banking.
Deliver bills
Deliver bills straight to your customers online banking – so they’re right where they need to be, to pay you.
Help customers
Help your customers pay on time, with electronic reminders.
Drive traffic
Drive traffic to your website by putting links to special offers in your bills.
Expand your business and save on costs
Whether you’re a large corporation or sole trader, BPAY can help you work smarter.
As a Master Biller you can collect BPAY payments for other firms – and offer extra services, like automated reconciliation, outsourced billing, and bill management. For example, if you are a strata management company, use BPAY to receive payments for the buildings you manage. To become a BPAY Biller, simply contact your bank.
Become a Sub Biller – and get cleared money in your accounts save on overheads and administration and say goodbye to chargeback risk.
Become a Master Biller
Want to build partnerships, offer more services and earn more?
Become a Sub Biller
Need support with billing?
Want to know more?
Head to your online banking
FAQs
How does BPAY work?
Simply register as a biller with your bank, then add the BPAY logo, your Biller Code and a 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 – a day when Sydney or Melbourne banks can make settlement – together with an electronic payment file for easy reconciliation.
Your bank sends you a customised payment information file, with everything you need to update your receivables system and keep track of payments.
How do I become a BPAY biller?
To become a BPAY biller, simply contact your bank.
What kind of accounts can I offer my customers to make payments using BPAY?
You get to choose which accounts you would like to offer your customers to make their BPAY payments through. The options are:
- debit accounts
- credit card accounts
*The process may vary between banks. Banking business day means a day on which banks in Sydney and Melbourne are able to effect settlement through the Reserve Bank of Australia.
^Using an intelligent CRN to set the amount the customer is required to pay, or the date the bill must be paid by.
What else can I do?
Pay Bills
BPAY makes it secure and easy to pay and manage your bills. Got a single bill? Pay it online or on your mobile just like you would a personal bill but from your business account. You can even pay multiple bills at once using BPAY Batch.
More security
Use your secure online or mobile banking to pay bills
Greater control
Choose to pay now or schedule it for later
Less time
Use batch payments to pay multiple bills in one go
Pay your bills at once with BPAY Batch
Got multiple bills to pay? You can set up BPAY Batch and save yourself money and time. BankWest, Commonwealth Bank, Macquarie Bank, National Australia Bank and Westpac offer BPAY Batch.
More savings
Pay all your bills in a single file and save on time.
Less to do
Send the batch file to your bank – they’ll do the rest
Add value
If you’re paying bills on behalf of your customers use BPAY Batch to save time
BPAY offers an easy way to pay in batch through a series of APIs to allow generation of a bank specific batch file to be uploaded. For more information visit our BPAY Group Developer portal.
What to know more?
Head to your online banking
FAQs
How does BPAY work?
Simply register as a biller with your bank, then add the BPAY logo, your Biller Code and a 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 – a day when Sydney or Melbourne banks can make settlement – together with an electronic payment file for easy reconciliation.
Your bank sends you a customised payment information file, with everything you need to update your receivables system and keep track of payments.
How do I become a BPAY biller?
To become a BPAY biller, simply contact your bank.
What kind of accounts can I offer my customers to make payments using BPAY?
You get to choose which accounts you would like to offer your customers to make their BPAY payments through. The options are:
- debit accounts
- credit card accounts
BPAY Brand portal
BPAY APIs
We have a range of APIs available for innovators looking to create your own solutions to support your business and your customers’ needs. You can use our developer portal for experimentation before heading into production. The APIs available now are:
- Retrieve BPAY Biller Details – Retrieve biller details from a supplied biller code.
- Validate BPAY Payment – Validate the details of a BPAY Payment to indicate whether the payment will be accepted for processing
- Generate BPAY Batch File – Generate a BPAY Batch file for a set of payments in a format ready for upload to the specified Financial Institution. BankWest, Commonwealth Bank, Macquarie Bank, National Australia Bank and Westpac offer BPAY Batch.
- Generate BPAY CRN – Generate a CRN or iCRN for inclusion in a BPAY invoice according to biller specifications.
Using BPAY APIs can deliver a variety of benefits to your organisation:
- Greater accessibility to BPAY Payments for a variety of customer types
- Real time responses received
- Greater flexibility in solution design
- Ability to create new innovative solutions for your business
- Gain insights to your business with access to analytics
- Ability to validate a BPAY Payment before submitting
- Reduce reliance on batch and file-based workflows
To get started go to developer.bpaygroup.com.au – Terms & Conditions apply.
View real-time updates on any planned or unplanned outage affecting BPAY Group APIs via our API Status page.
CRN generator tool
BPAY’s CRN Generator Tool makes it easy to create your own BPAY CRNs specific for your biller code, including a special ‘check digit’ that helps you verify the CRN and payment details. Include BPAY CRNs on your invoices – saving you and your staff time and effort tracking and reconciling payments.