Benefits and features

Benefits to you

  • Manage your cash flow with no dishonoured cheques or payments.
  • Payments processed before cut-off are available in your nominated account the next business day.
  • Simplify your reconciliation. Receive daily account reporting to help track your payments.
  • Reduce your costs by moving away from more costly payments channels such as cheques.
  • Save on time and effort with the ability to assign Customer Reference Numbers that are unique to each bill or invoice, simplifying reconciliation of payments received. You can also control the date and amount of payment.

Benefits to your customers

  • Greater flexibility means payments can be made anytime.
  • Secure and respected payment system accessed within internet or telephone banking.
  • Choice of paying by cheque, savings or credit.
  • Some Billers will provide the ability to set up scheduled and recurring payments so bills are always paid on time.

How does BPAY work?

BPAY is one of the easiest ways for you to collect payments and for your customers to pay you.

  1. Your customer receives your bill.
  2. The customer uses their bank’s internet, phone or mobile banking to pay their bill.
  3. They select from savings, cheque or credit account (if you decide to offer credit card payments).
  4. They select BPAY from payment options, pay their bill and receive a receipt.
  5. The customer’s financial institution credits your account.
  6. You receive the funds and the payment information from NAB.

Is BPAY suitable for your business?

BPAY may be suitable for businesses that:

  • Send invoices either by email or mail
  • Need to easily reconcile payments
  • Use NAB Connect or Direct Link
  • Have a NAB business account

NAB Financial Snapshot

NAB Financial Snapshot will help you prepare a simple estimate of some key financial details for your first year of business, based on the information you enter.

Rates and fees

Fee type Fee amount
Biller Fees (once only establishment fee) or change of sponsorship $99 (GST inclusive) for each biller code
Transaction fees $0.88 (GST inclusive) for each transaction

How to sign up

Step one

Enquire online or give us a call to discuss your needs.

Step two

We’ll have a chat about your business to see if BPAY is right for your needs.

Step three

You’ll work with one of our implementation team members.

Step four

Depending on your business, you’ll be ready to start sending invoices with BPAY within a few weeks.

Ready to get started? Get us to call you back.

Contact us for merchant solutions and sales

Speak to a specialist for solutions, sales and enquiries. 


Call us

Monday to Friday, 8:00am to 6:00pm (AEST/AEDT)

Within Australia: 1300 338 767

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