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What is Easy BPAY?

Unique to Westpac, Easy BPAY is a simplified version of the standard BPAY.

BPAY is Australia’s most widely used bill payment service which enables customers to transfer funds from their bank account to yours. It’s simple and convenient – and you receive the payment on the same business day. That’s a great way to improve your cash flow.

How does it work?

Your invoices or bills display a BPAY logo, your unique Easy BPAY Biller code and a Customer Reference Number (CRN). Your customers use your BPAY details when making a payment on internet or phone banking. Their financial institution then validates the payment and gives them a receipt number. The payment details are then forwarded to Westpac and we send the payment information to you electronically. The deposited cleared funds are placed in your nominated bank account. It’s that simple.

What are the benefits of Easy BPAY?


To you
To your customers
  • Improved cash flow with no dishonoured cheques or payments.
  • Same day value for payments up to daily cut off.
  • Lower payment collection costs.
  • Reduced administration time, with all Easy BPAY Payments appearing on your bank statement with payment details.1
  • A co-operative marketing effort between banks and BPAY reduces the need for your to promote the benefits of Easy BPAY.
  • No need to pay bills in person, or to write and send a cheque.
  • The convenience of paying bills any time, day or night, 7 days a week by telephone or internet.
  • The added convenience of being able to pay more than one bill at a time.
  • A choice of payment options from cheque or savings account, or if you agree, by credit card.
  • The option of scheduling future payments so bills are always paid on time.
  • Easy reconciliation thanks to unique receipt numbers and payment details on customers' account statement.

How do I refund a BPAY payment to my customers?

It's easy to refund a payment that was made to you with BPAY. Read more on BPAY refunds

How much does Easy BPAY cost?

Transaction Fee (debit account and credit account): $0.80 + GST.

Establishment Fee: $150 + GST.

(for standard individual statement credits only)


For more information on fees and charges, please read the Easy BPAY Biller Agreement (PDF 56KB).

How to apply for Easy BPAY

You can start taking BPAY payments in 5 easy steps:

Step 1

Request a callback

Our merchant specialists will help you apply for Easy BPAY without needing to visit a branch. Request a callback.

Step 2

Complete the application forms

Our merchant specialist will ask you to complete the Easy BPAY Biller Agreement (PDF 56KB) and Application Form (PDF 94KB) and return these to us.

You will also be asked to read the BPAY Biller Operations Manual (PDF 122KB) to make sure you understand all the terms and conditions.

Step 3

Receive your Biller codes

Once we’ve received all the requested information, we will process your application and contact you with your Biller Code and other important details.

Step 4

Generate your Customer Reference Numbers (CRNs) and invoices

You can generate your Customer Reference Numbers (CRNs) and view our sample invoice templates in our Easy BPAY guide.

Step 5

Start taking BPAY payments

Once you have your codes, you can start sending invoices and receiving payments via BPAY. For more information, read our step-by-step guide for Easy BPAY Billers (PDF 78KB).

Documents you may need

Things you should know

1. If you would like to receive a single electronic report with a bulk credit on your bank statement, then talk to us.

BPAY® and Osko® are registered trademarks of BPAY Pty Ltd ABN 69 079 137 518.