BPAY (Australia)
国家/地区: 澳大利亚 (AU) | 底层清算轨道: bank_network
OnlineBanking
市场普及率: 75%
BPAY 是澳大利亚银行业联合推出的国民级网银账单支付系统，在澳大利亚企业发票与便民账单支付中占据 85% 以上的主导地位，以各大商业银行网银/App 直连、凭借 1-6 位 Biller Code 即时缴费为特征，广泛用于学费缴纳、房屋租金、公用事业及大额 B2B 发票结账。
🔄 用户付款交互流 (User 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
⚙️ 支付与结算特征
| 即时清算 | NO |
| 扫码支付 (QR) | NO |
| 订阅自动代扣 | NO |
| 退款支持 | YES |
🛠️ 商户端标准集成步骤 (Merchant Integration)
- 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
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 Stripe🔌 Adyen