Europe, Middle East & Africa
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Asia Pacific
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Americas
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Australia
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An enhanced BPAY Solution  —

BPAY

BPAY offers a secure payment solution for your customers who want to make payments to your business or from your platform. 

Accept BPAY Payin for customers who want to pay through their online banking portal - BPAY payments can be made with more than 150 financial institutions and dedicated biller codes make it easy to identify customer payments.

Confirm customer payments sooner with API driven BPAY that provides up to 3 payment notifications per day. Early notifications add certainty that the payment has been made and is on its way.

With BPAY Payout, provide customers the convenience to make bill payments directly from your app or website to more than 45,000 billers.

Customer making a bill payment by BPAYFunds have been received via BPAY
Faster experience—

Speedier payment confirmations with
BPAY Payin

Create an optimised payments experience for your business and your customers. With up to three payment confirmations per day, that let you know when the payment is on its way.

  • Receive up to three payment confirmations per day

  • Reduce your payment waiting time by up to 22 hours

  • Rely on bank grade security and processing volumes

  • Speed up notifications to customers of arrival of funds

  • Pre-fund a float and make linked payouts immediately

  • Automate customer communications using API callbacks

User looking at phone after receiving a notification after making a bill payment by BPAYNotifications are received when a BPAY payment is made
Enhanced product proposition —

Improved on-platform customer experience with BPAY Payout

Connect customers to more services by helping them pay for related services offered by your brand and other businesses. From council and utility rates to any other bill payment imaginable, expand your offering within your current ecosystem.

  • Offer customers an easy way to pay other BPAY billers directly from your app

  • Increase successful transactions with automated verification management which reduces exceptions and makes reconciliation easier

  • Simple and easy for customers to use with just a BPAY Biller Code and Customer Reference Number 

  • Bring value to customers and partners and benefit from an additional revenue stream

CalendarCustomer using her mobile phone to make a bill payment by BPAY to utility companies
Optimise overheads—

Cash collection and reconciliation made easy

Spend less time preparing, chasing, and reconciling payments using Assembly API and callback technology. Use auto matched payments, immediate notifications, and unique reference ID's to improve your cashflow and optimise your overheads.

  • Improve cashflow by clearing funds the next business day

  • Automate collections using API trigger points

  • Eliminate chargeback risk with a smart alternative to credit cards

  • Auto match and reconcile payments using reference ID's per userfor BPAY Payin and BPAY Payout

  • Keep customers up to date automatically using API callbacks

  • Monitor every transaction using Assembly's dashboard portal

Customers making bill payments to a PropTech using BPAY
Trusted convenience —

An established payment method

Make it safe and easy for your customers to make payments with Assembly’s BPAY solution, one of the most widely used and trusted bill payment methods by customers. Accept BPAY payments and enable them so they can be securely made from your platform with BPAY Payout.


  • Complement existing payment methods without replacing them

  • Offer customers a safe way to pay using internet banking with more than 150 financial institutions

  • Provide customers with a trusted method to pay bills from within your app or website to more than 45,000 businesses

  • Easy name recognition through dedicated, branded biller codes

  • Increase your payment limits from savings accounts and credit cards to $100,000

CalendarCustomers using BPAY to make bill payments

Frequently Asked Questions

BPAY is a fast, safe and easy method of payment commonly used to pay bills or any other payments and can be made with more than 150 financial institutions across Australia. BPAY enables bill payers to transfer funds electronically from their account to the billers as long as the recipient is a BPAY registered institution.


With BPAY your business can accept payments using BPAY Payins. You can also use BPAY Payout to facilitate payments to suppliers and partners connected to your platform. Unique, branded Biller Codes make it easy to recognise payment sources.


Some common use cases for BPAY Payout include PropertyTech platforms, where landlords on the platform use BPAY Payout to pay the water utility company for a property’s water bill.

- Businesses using SaaS accounting software can make bill payments to other small and medium enterprises (SMEs) for goods or services provided.


BPAY PayIns offers your customers an easy and safe way to make payments directly from their bank account to your business. All they need is the branded biller code and a Customer Reference Number (CRN) which identifies the payer and their payment, both provided to you by Assembly.

All you need to do is to add these to your communications with customers. Assembly sends 3 daily notifications to update  you when a payment is on its way.


By enabling BPAY Payouts on your platform, your end-users can make a bill payment directly from within your platform to their intended biller. The transaction is completed entirely on your platform. This vastly improves the customer experience, since end-users are not redirected to their Bank’s website to make the bill payments.


BPAY is known and loved by Australians of all ages and is the most popular method of paying household bills in Australia, so your paying customers will be familiar with it and comfortable using it, with minimal need for explanation and support. The control a customer gets from being able to check their balance and push the payment when they are ready, can give them a lot more confidence in the payment process.

 

Additionally Assembly automatically matches inbound payment with the associated request for payment resulting in minimal exceptions. This improves reconciliation and reduces delays and associated costs.

 

Funds also clear with no risk of chargebacks as the vast majority of BPAY payments are funded via everyday savings and transaction accounts, not credit cards. Due to the reduced risks associated with BPAY payments they have lower fees making BPAY ideal for billers who are expecting higher value payments from customers.

When you integrate with Assembly’s BPAY, automation will do the work for you. We issue you with a unique Biller Code, (e.g Your Business Name) and Assembly’s API generates a Customer Reference Number (CRN) which is used by the customer when paying their bill.


BPAY payments are only processed on banking business days with a cutoff time of 5pm to 6pm on weekdays. If the payment is made before cutoff time, billers receive their funds on the next banking business day. 


Assembly’s sends 3 notifications per day notifying you when a payment is on it’s way. While this may suit some business models, more immediate payment methods are available to enhance customer experience such as real time payments. Credit cards are another alternative form of payment to BPAY.

BPAY is one of the most widely used bill payment services in Australia. It is an easy, fast and safe way for users to pay their bills by transferring funds electronically from their bank accounts to billers such as the city council, local utility service providers and businesses that accept BPAY as a form of payment.


BPAY payments have a range of characteristics that mean they are lower in risk than credit card payments and direct debit payments.


Yes. Assembly automates BPAY by integrating it within your payment workflows so it operates with your other business processes in exactly the way you need it to. Assembly can also automate collection, auto-reconciliation and fund receipt notifications that let you know when your payment is on its way.

Assembly speeds up BPAY notifications so that the recipient is notified when funds are on their way. With 3 notifications per day, find out that a payment has been made within 2 hours of it being paid.


No. Payments made with BPAY are only transferred during business hours. For a faster payment method that is available every day, weekends and public holidays see  Assembly’s Real Time Payments solution.


Assembly provides a complete solution enabling you and  your customers to  receive and make payments to multiple parties using BPAY directly from your app or digital platform. 


Using Assembly’s single integration you can also gain access to 3+ other payment methods to provide customers with payment optionality. Assembly’s APIs can be modelled to suit your business’ unique payment workflow and guided integrations and support ensures a truly bespoke solution and payment tracking notifications available exclusively with Assembly notify you when a BPAY payment is on it’s way.


Enhance your BPAY payments

Learn how Assembly’s platform can support your value proposition, and provide a competitive edge in your market. Get in touch today.