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General FAQs

BPAY is Australia’s most widely used bill payment service which enables bill payers to transfer funds electronically from their bank accounts to billers. It is offered as a payment channel by over 170 financial institutions through their phone and Internet banking services.

Since BPAY ’s launch in 1997, electronic bill payment in Australia has grown at a phenomenal rate. BPAY can be used to pay over 16,000 different bills Australia wide and each month BPAY processes over 18 million individual payments.

Over the last couple of years there has been a substantial increase in the number of people who have access to internet banking which has resulted in a large increase in the number of people using BPAY. Now 76% of the Australian bill paying population use BPAY* with 85% of BPAY payments being made via the internet.

*source: TNS Research Nov 2008

Setting up BPAY

Refer to the Biller Agreement (PDF 638KB) for applicable fees.

Receiving payments

You will need to provide your customers with an invoice containing your biller code, a CRN, and the BPAY logo. See the BPAY guides. The BPAY Brand Guidelines will be able to assist you with the logo requirements. You’ll need to generate some CRNs too, so see the BPAY guides for Customer Reference Number Generator Tool to download the software. Westpac will advise you of your biller code once your application has been processed. You can then start to put your invoices together and send them to your customers.

Growing your business

You will need to refer to the BPAY guides to generate more CRNs. You will need to ensure that you use the same Check Digit Routine. Remember that it is your responsibility to ensure that the CRNs generated are correct, otherwise customers will not be able to pay you. Alternatively, you may use a Check Digit Routine of your own choice, but ensure that you use the same Check Digit Routine you used when you first became a biller with Westpac.