A CRN is a unique number that the business that issued the bill uses to identify your account or the invoice you are paying. You can find it in the payment options section of your bill — just look for the BPAY logo.

Some businesses use a single CRN to identify your account, while others prefer to use different CRNs for each bill so they can track them more easily. So, it’s important to check the CRN on each bill when you pay it. 
  
To make sure you always use the right CRN, sign up for BPAY View. All the details are filled in for your approval, so you can be confident they’re correct. BPAY View may not be available for all businesses or financial institutions: 
  
Check this list to see if your bank offers BPAY View.

Just look for the distinctive BPAY logo. 

On a bill, you can find it in the payment options section, usually on the back or second page of the bill. 
 
Search for a Biller Code.

Yes. Billers generally set upper and lower value limits that they can accept for BPAY payments, and may limit the value of payments they accept from particular sources, such as credit card accounts.  
 
Financial institutions may also limit the amount you can pay from a particular account, to a specific business, or on a single day. Please contact the business that issued the bill or your bank to find out more. 

Each business decides how to cover its own business costs, including the cost of processing payments. Your biller can tell you if, and how much, they charge for processing payments. 

BPAY is delivered through your bank’s online banking, so BPAY terms and conditions are included in the terms and conditions for those services. Contact your bank to find out more. 

• Log on to your online banking 
• Choose the BPAY or bill payment option  
• Follow the prompts to cancel the payment 

 
The exact steps you need to take will depend on your online banking. Contact your bank if you need to know more. 
  
*Scheduled payments are subject to systems and funds availability. 

All businesses that offer BPAY accept payments from savings, cheque, and debit card accounts. Many will also accept payments from credit card accounts. 
  
Search for a Biller to check which type of account they accept payments from.

You can generally check recent bill payments by logging on to your online banking. The exact steps you need to take will depend on your bank. To find out more, or to get information on older transactions, contact your bank. 

Yes, BPAY is accessible anywhere and anytime you have access to your online banking. 

Firstly, check that you’ve got the payment details right, including the Biller Code and the Customer Reference Number (CRN). Make sure that the business you are trying to pay accepts payments from the type of account you’re paying them from (for example, some businesses may not accept payments from credit card accounts). You should also confirm you have enough funds in your account and that you haven’t reached your financial institution’s daily transaction limit. 
  
If this doesn’t work, contact your bank. 

• Paid too much 
• Used the wrong Biller Code or Customer Reference Number (CRN) 
• Accidentally paid the same bill twice 

 
If you paid too little, simply make another payment to cover the difference. Remember to check first with your bank to see if any extra fees or charges will apply. 

Check the time you made the payment — if you missed your bank’s cut-off time or made the payment on a weekend or public holiday, it won’t go through until the next Banking Business Day – any day that Sydney or Melbourne banks can settle funds.

 

If your payment should have already gone through, contact your bank straight away, with your BPAY receipt number handy. 

Unlike for some credit card payments, your bank can’t get a refund for a BPAY payment if a business doesn’t deliver — even if you paid from a credit account. Contact the business directly or talk to the consumer protection authorities in your state or territory. If you suspect that the business is fraudulent, please contact your bank.  

Contact your bank immediately. 

All BPAY payments are made within the secure environment of your online banking. BPAY doesn’t receive any of your personal details or account details during the payment process.  

 

To find out more about the security features of your online banking, and how you can help protect your personal information contact your bank. 

BPAY doesn’t keep personal or account details about people who use the service. BPAY may sometimes send you general information — for example, if you enter a marketing competition, however BPAY will never send you an email containing links to online banking sites. If you receive an email with links to your online banking, don’t follow them. Contact your bank immediately. 

BPAY View is offered by many banks and billers. It’s an easy way to have your bills delivered directly to your online banking. BPAY View sends bills and statements straight to the same online banking you use to pay them*, putting an end to bills getting lost on your desk or in your inbox.  
 
Depending on your bank you’ll receive a convenient SMS, email or bank message reminder to pay your bill. Its secure online access makes BPAY View easy to pay your bills on time. And BPAY View is easier on the environment too, with no need to print paper copies. 
  
*If BPAY View is offered by the financial institution and Biller. 

You use BPAY View in your online banking. Contact your bank to find out if it offers BPAY View. 

Search our list of banks.

Search our list of Businesses who issue bills using BPAY View. (links to Bank & Biller lookup tool) 

Your bills will arrive in BPAY View at around the same time, or sooner than, your paper or emailed bills do now — and they’ll go straight to your online banking. 

Your bank will notify you when you receive a new bill, usually by email, mobile notification, or SMS. Contact your bank to find out more. 

Absolutely — just print a paper copy directly from your online banking. 

Just choose the bill you want to pay from your BPAY View summary list and click Pay Bill. Your BPAY payment will be ready to submit immediately, with all the payment details filled in for you. All you have to do is submit it — and you’re done. 
  
Some financial institutions even allow you to set up your bills to be paid automatically with Auto Pay. 

No, but why miss out on paying all your bills quickly, securely, and in one place? 

Simply log on to your online banking and check your BPAY View list of bills. If you have paid your bill from BPAY View, it will show as paid. If you have paid your bill through another bank or payment option, you will need to mark it as paid manually. 
  
Contact your financial institution to find out more. 

Get in touch with the business who issued you the bill directly, using the contact details shown on your bill. 

• Log on to your online banking 
• Choose BPAY View 
• Follow the prompts to select and deactivate the Biller 

 
As soon as you deregister from BPAY View for that Biller, they should start sending your bills in another way (such as by mail, or email). Contact your biller or financial institution if you need to know more. 

BPAY View is a service delivered through your financial institution’s online banking. So, it’s up to them whether to set fees for using BPAY View. Contact your bank to find out more. 

BPAY View bills are managed within the secure environment of your online banking. The BPAY View registration process has measures in place to ensure businesses verify your identity before sending a bill and to keep your personal information safe. 
  
BPAY doesn’t receive any of your personal details or account details during the payment process. 

It depends on your how long the Biller decides to make it available. Most Billers will keep your summary available for up to 18 months. And remember — you can download a copy of each bill to your computer if you’d like to keep it. 

• Biller name 
• Amount due 
• Date due 

 
The business or their bill service provider hosts your detailed bill. It can only be accessed through a secure link from your online bank. 

The business, the bill service provider and the people who have access to your online bank can view the bill summary or detailed bill. 
  
To learn more about the security features of your online banking and how you can help protect your personal information, contact your bank. 

Every business day, more than 1.5 million payments are made using BPAY.  To join the thousands of businesses already using BPAY to help manage their billing, talk to your bank or contact us today. 

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 your digital payment information for easy reconciliation and payment tracking. 
 
 
^The process and timing may vary between banks. 

Please contact your financial institution directly to see if they can assist you in offering BPAY Biller services. 

BPAY is only available for businesses that have been incorporated or formed in Australia, have an ACN or ABN and a banking relationship with an Australian bank. BPAY payments can also only be made from participating Australian banks.

BPAY is a service delivered through your bank, which will also set the fees for using BPAY as a payment service. Please speak with your bank for further details. 

When you accept a payment from a credit card account, you’ll enjoy cleared funds in your account the next Banking Business Day^ – a day when Sydney or Melbourne banks can make settlement. 
  
There is no risk of credit card chargebacks, because the payment is processed through the BPAY system from the underlying account, and not via the credit card. Further, the payment is made from within the secure environment of the customer’s online bank and provides customers with more payment options to meet their preferences. 
  
^The process may vary between banks. 

The CRN is a unique 2–20 digit number that appears on every customer bill. You use the CRN to identify the account or bill to be paid, without providing any personal information about the customer. 
  
You can use CRNs like account numbers, putting the same CRN on every bill you send an individual customer. Or you can use them like invoice numbers, putting a different CRN on each individual bill. We call that a variable CRN, which can be used to track individual transactions for a customer that may receive multiple bills from you within a billing period. 
  
You can even use an Intelligent CRN (iCRN) that ensures customers are only able to pay the exact amount you have specified, or by a particular date you have specified, or both. See What is an Intelligent Customer Reference Number iCRN (below) and how do I set it up? for more information. All CRNs also include a ‘check digit’ validation (below) to ensure that your customers can’t enter the wrong details. 

The check digit is a special number (or numbers) used in BPAY CRNs, calculated from the other digits in the CRN. 
  
It ensures your customers don’t enter the wrong numbers, or transpose the digits when they are making their BPAY payment. So you can be confident that the bill they paid is the one they meant to pay. 

Your bank can help with implementing a check digit routine. 

iCRN stands for Intelligent Customer Reference Number. 
  
You can use it to set the amount the customer is allowed to pay, or the date the bill must be paid by, or both. 
  
iCRN may be useful for businesses like insurers that do not wish to be bound by a contract unless they receive an agreed amount on time, or where there is a requirement for a specific payment to be made in full or by a specified date, such as a fine or vehicle registration. 
  
Your bank can help you set up iCRN for your bills. 
 

No, your CRNs can be whatever length you need, up to a maximum of 20 digits. Remember though – the shorter the CRN, the easier it will be for your customers to enter.

A Master Biller can collect BPAY payments for other firms and offer additional services, like automated reconciliation, outsourced billing, and bill management.  

In a Master Biller arrangement, the Master Biller signs up to help other businesses, usually smaller organisations, to offer BPAY payments to their customers. When a business signs up to offer BPAY through a Master Biller, they are called Sub-Billers. 
  
The Master Biller may be able to assist Sub-Billers in the billing, receipting, and reporting for BPAY payments, often in return for a fee. One use case could be for instance when an Accounting Package is a Master Biller and enables their customers to offer BPAY by becoming BPAY Sub-Billers through their software. 

Speak to your bank if you are interested in signing up as a Master Biller. Master Biller arrangements may be appropriate for businesses in industries with a high number of sole traders or franchisees, or which receive frequent payments from a large number of different sources. 

For example, Master Biller arrangements may be suitable for businesses in: 

 

Potential benefits for Master Billers include: 

A Sub Biller is a firm that receives BPAY payments through a Master Biller. Sub Billers can benefit from the services provided by the Master Biller, such as billing and reconciliation support.

BPAY View is a bill presentment and payment service that makes it easy for your customers to pay, with convenient and secure payments direct from their online or mobile banking. 
  
With BPAY View, your customers will receive their bills in their online or mobile bank, with the option to pay straight away or schedule payment for later.  

BPAY View gives your customers a secure, easy way to view, pay and store bills and statements, directly in their online or mobile banking.  

They can schedule payments, get reminded on the due date*, and never miss a payment again. 

 

Here’s a summary of how your customers can benefit from BPAY View: 

 

 *Process may vary between banks. 

When your customers view their bills on BPAY View, they can choose to pay them with any of the payment methods you allow — it doesn’t have to be by BPAY. 
  
However, if they do pay by BPAY directly from BPAY View, the Biller Code and Customer Reference Number are automatically filled in and the customer can pay in one click*, making it faster and even more convenient to pay. 

 

*Process may vary between banks.

Just sign up as a BPAY View biller with your bank. Then, when you’re ready, send your bill data to BPAY or your Bill Service Provider. We’ll send bills and statements straight to your customers’ online bank, where they can then view the bill and pay. 

To become a BPAY View biller, first contact your bank. 
  
We’ll work with you, your bank and your Bill Service Provider to help test and implement your BPAY View system. 

BPAY View may be used together with your proprietary bill presentment option, such as direct to consumer emails. 
  
When your customers receive their summary bill from their online banking, they can click through to see the detailed bill, driving extra traffic to your site. In this way, you can use your bills to increase customer engagement, or create an effective and targeted sales and marketing tool. 

Because BPAY View is a service delivered through your bank, they set fees for BPAY View. Contact your bank for more details.

We’ll work with you and your bank to make sure BPAY View is the right solution for your business and help you implement it smoothly. 
  
To start the conversation, please contact your bank. 
 

BPAY View can help reduce your business’ impact on the environment by switching off your paper bills. 

• Computershare 
• Forms Express  
• Fuji Xerox 
• Lane Print and Post 
• Payreq 
• PML 
• Zipform 

  
For further information and details on using a Bill Service Provider, you should contact your bank and obtain a copy of the relevant documentation. 

Your customer will receive a notification of a new bill from their bank (either in their online or mobile banking, or by email, or both). 
  
When they log into their internet or mobile banking, they can view a bill summary in the BPAY View section, which includes information like the biller, payment amount and due date. Clicking on a link in the bill summary will take them to a more detailed bill that is hosted on your website (or the Bill Service Provider’s site), which can look exactly like a paper bill. 

Just like your paper bills, your electronic bills need to include the relevant BPAY details. That way your customer has the information they need to pay your bill with BPAY. 
  
You’ll need to include a payment methods section, with a section for the BPAY logo, Biller Code and Customer Reference Number (CRN). Here’s an example: 

If you offer BPAY View, those details need to appear on the electronic bill as well. See the BPAY brand guidelines for more information on adding BPAY details to your bill. 

BPAY Batch Payments allow businesses to make multiple BPAY payments for themselves or on behalf of end-customers. The payment process is streamlined for improved efficiency.  
 
You need to sign up with your financial institution to become a Batch payer. Contact your bank for support. 

During onboarding, you will automatically be subscribed to receive email notifications for real-time updates for any planned or unplanned outages affecting APIs.  

• Mistaken payments — your customer makes a mistake when paying you with BPAY. 
• Unauthorised payments — access to your customer’s online, mobile or phone bank is compromised by fraud. 
• Reversals — a system error has occurred. 
• Payment traces — a customer makes a payment, but you don’t receive it. 
• Biller-initiated error correction — you receive a payment, but you don’t know who it’s from, or the customer made a mistaken payment. 

 
There are simple procedures for processing these errors that involve both you and your bank. You’ll need to contact your bank to find out what to do. 

Check the time the payment was made — if your cut-off time was missed or the payment was made on a weekend or public holiday, it won’t go through until the next banking business day, a day when Sydney and Melbourne banks can settle funds. 

Yes. All BPAY payments are made within the secure environment of your customer’s online bank, so you can be confident that their security is protected. 
  
BPAY does not receive any of your customer’s personal or account details during the payment process (except the type of bank account they paid from). 

Yes. Like BPAY payments, BPAY View bills are sent to the secure environment of your customer’s online or mobile bank, so you can be confident that their security is protected. 

The BPAY brand guidelines aim to provide guidance as to how the BPAY and BPAY View logos and word marks need to appear in various mediums. If you have any questions about BPAY branding, please contact: [email protected]. 
  
Note: If you have not updated your bill since 2012, please refer to our new brand guidelines. 

Your BPAY biller service is managed by your bank. If you are changing banks, you should check to see if they offer BPAY biller services. If they do, they can help you manage the transfer and any changes you need. 
  
Find banks that offer BPAY biller services.

If you make any system changes to your BPAY service (for example, changing check-digit or validation routines), you need to notify your bank immediately to ensure that integration with their system and reconciliation can continue to run smoothly.