About
BPAY is Australia's biller-code bill payment scheme, managed by BPAY Pty Ltd, part of Australian Payments Plus (AP+), formed in February 2022 by bringing together BPAY Group, eftpos and NPP Australia. It is not a wallet or checkout redirect: the payer copies the Biller Code and Customer Reference Number (CRN) printed on a bill into their own bank's online banking and pays from a chosen account, now or on a scheduled date. BPAY has run since 1997 and, as of 2026, is built into the online banking of over 140 banks and financial institutions and offered by over 95,000 billers; AP+ cites 6.4 billion transactions in its first 25 years.
Government and utility billers are migrating from BPAY and direct debit to PayTo mandates on the New Payments Platform; BPAY volumes are expected to erode.
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