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BPAY for Invoices

Simple, fast, and reliable bill payments for your business.

Bpay Payments Platform

Secure, scalable payment management

Complete financial control, without the stress

Give your customers a familiar, reliable way to pay. Trusted by millions of businesses, platforms, and enterprises across Australia, BPAY's flexibility gives payees more choice over their payment options, greater daily transfer limits, and payments matched directly to the customer.

100k Transfer Limits

$100,000 Transfer Limits

Make large transactions of up to $100,000 from savings accounts and $10,000 from credit cards.

Chargeback protection

Chargeback protection

Remove the risk of chargebacks completely with bank-trusted BPAY transactions.

Automated daily reporting

Automated daily reporting

Automated reconciliation means you get paid faster and without the hassle.

Faster Payment

Overnight Payments

Payments cleared by next business day to keep your cash flow secure.

One Click Creation

One-click creation

No complex set-ups: generate a BPAY code in seconds with a single click.

Fixed Billing Code

Fixed Billing Code

A single, reusable BPAY code makes it easy for customers and fast for you.

Secure. Trusted. Efficient.

Streamline your payments with BPAY

Give your customers a familiar, reliable way to pay. Trusted by millions of businesses, platforms, and enterprises across Australia, BPAY's flexibility gives payees more choice over their payment options, greater daily transfer limits, and payments matched directly to the customer.

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Bpay Fast Payments
Boost Your Cash Flow

Boost Your Cash Flow

Cut out admin or payment delays. Give customers more ways to pay, so you get paid faster.

Seamless bank integration

Seamless bank integration

Works with your customers' online banking, letting them pay through a system they already trust.

Automated Payments

Automated Payments

Easily automate payment matching and reconciliation. No manual setup required.

Customer Confidence

Customer Confidence

Used and trusted across Australia, BPAY means customers are more likely to pay on time and in full.

Easy recognition & reconciliation

Customise your BPAY Code

Simplify payment collection with BPAY using unique customer reference numbers for secure and efficient transactions.

Reference Number (REF)

Links the payment to the correct customer account.

Bpay Biller Code

Biller Code

Identifies the business receiving the payment.

Custom Biller Codes

Allow customers to recognise your business using a custom biller code.

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Payments in three easy steps

How do BPAY payments work?

Generate a BPAY code for each customer in one click. They pay straight from their online banking using that code, and every payment is instantly matched, recorded, and visible in your dashboard.

STEP 1

INVOICE

Step 01 Invoicing
CUSTOMER
RECEIVES A BILL

Invoices include a unique BPAY customer reference number to identify who's paid and when.

STEP 2

PAYMENTS

Step 02 Payments
CUSTOMER
MAKES THE PAYMENT

Customer logs into their online banking, enters their BPAY details, and confirms the payment.

STEP 3

PROCESS

Step 03 Process
FUNDS ARE DIRECTLY
TRANSFERRED

That's it! Payments are deposited directly into your Pay Advantage account.

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Simplify Xero invoicing with BPAY

Streamline your invoicing and reconciliation with BPAY integration in Xero, Australia's most trusted bill payment system. Used by millions of Australian businesses, Xero allows your customers an easy, secure way to pay.

01

SEND A XERO INVOICE

Every Xero invoice is issued with a unique BPAY reference number and payment link.

02

PAY WITH BPAY

BPAY is included alongside other popular payment options for total customer flexibility.

03

AUTOMATIC RECONCILIATION

Xero records are updated instantly once payment is received.

Send InvoicePay with BpayXero Invoice Updated

Fast, easy payments for your business

The BPAY advantage

The complete platform designed specifically for Australian businesses. Pay Advantage gives you a simple, powerful way to make card and bank transfers as easy as possible with secure BPAY transactions.

One platform. Endless possibilities

Everything you need in one platform. Accept payments, manage customers, track sales, and automate billing.

Local support from experts

Get fast support from real payment experts based in Australia who understand your industry.

Based in Australia, trusted worldwide

Built for Australian banking regulations and compliance. Designed for how you actually work.

Powerful payments. Zero fixed costs.

No setup fees or subscriptions. Just a premium, automated platform — with BPAY built in — backed by a local Australian support team that actually answers the phone.

BPAY payments

(High Transaction Limits)

Let customers pay their bills via BPAY which they can automate in their banking app. The easiest way to get invoices paid, on time, every time.

$1.98

per transaction

  • Customers pay via their banking app
  • 1 day deposited to you
  • Flat Rate
The Promise

You shouldn’t need a subscription just to get paid.

To offer these rates, we use a simple minimum monthly spend that is fully waived for your first 90 days. This gives you time to onboard customers and scale without pressure.

FAQs
BPAY questions

BPAY is a bill-payment method used across Australia that lets your customers pay an invoice from their own online banking using a Biller Code and a unique customer reference number — with each payment matched automatically back to the right customer.

How do I set up BPAY payments for my business?

Setting up BPAY with Pay Advantage takes four steps: 1) Apply for a Pay Advantage account and get approved. 2) Receive your BPAY Biller Code and set up customer reference numbers. 3) Add the BPAY details to your invoices or hosted payment pages. 4) Customers pay from their online banking and Pay Advantage matches and reconciles each payment automatically.