How BPAY® works

Why use BPAY?

Ensure dishonoured payments are a thing of the past with BPAY: a secure and convenient payment system.

BPAY lets customers transfer funds from their accounts into yours. It gives your customers peace of mind knowing that they’re paying using a secure channel and eliminates dishonoured payments for you.

How it works

1. We’ll issue you with a BPAY biller code (this may take a couple of weeks).
   
2. You update your invoices (paper and electronic) to include the BPAY logo, your BPAY Biller Code and unique Customer Reference Number (CRN) so that your customers know this payment method is available to them.
   
3. Your customers use BPAY to pay your invoice via their own financial institutions either online or via a telephone banking system. Payments can come from their cheque, savings or credit card (where offered) accounts.
   
4. Each customer’s financial institution debits their account in real time to ensure they have sufficient funds, eliminating dishonoured payments.
   
5. BPAY performs the interchange processing and provides us with daily value and electronic payments information, which we’ll give to you.
   
6. We’ll credit your account based on the day’s receipts and provide you with electronic payment details via NAB Connect.