BPAY (Australia)
Country: Australia (AU) | Payment Rail: bank_network
OnlineBanking
Market Adoption: 75%
BPAY is Australia's national electronic bill payment system used across all Australian commercial banks.
🔄 User Payment Flow
- Customer selects BPAY at checkout and receives Biller Code and Customer Reference Number (CRN)
- Customer logs into Australian online banking portal or app
- Customer enters Biller Code and CRN to transfer funds from bank account
- BPAY clears funds next working day and notifies merchant
⚙️ Characteristics & Settlement
| Instant Payment | NO |
| Supports QR | NO |
| Supports Recurring | NO |
| Supports Refund | YES |
🛠️ Merchant Integration Steps
- Merchant API requests payment session from acquiring gateway
- PSP generates unique Biller Code and CRN payload
- PSP receives BPAY clearing file advice and updates merchant order
🚀 Supported Payment Gateways & Acquirers (PSPs)
🔌 Stripe🔌 Adyen