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BPAY Payins

Receive funds via the BPAY system

BPAY is a widely used Australian payment service that allows customers to make secure account-to-account payments to billers through their financial institution’s internet or mobile banking using a Biller Code and Customer Reference Number instead of card details.

For your customers to pay you via a BPAY payment, you need to provide them with:

  • A BPAY Biller Code to identify your business
  • A Customer Reference Number (CRN) to identify the specific customer or account

Together, the Biller Code and CRN ensure the payment is applied to the correct Zai Wallet account (digital wallet).

Biller Code

A BPAY Biller Code is a unique 4–6 digit number that identifies a business or organisation authorised to receive payments via the BPAY network.

When BPAY is enabled for your Zai Platform, a Biller Code will be allocated to you and provided for use by your payers.

Customer Reference Number (CRN)

A Customer Reference Number (CRN) is a unique reference that ensures a BPAY payment is applied to the correct customer Wallet Account in Zai.

A unique CRN is automatically generated and permanently linked to a User every time a User Wallet is created.

In Zai, a User’s CRN never changes. To provide a payer with a different CRN, you must create a new User Wallet, as CRNs cannot be updated or reused.

Requirements to accept BPAY payins

To use BPAY CRNs:

  • Your Zai platform must have BPAY Payins enabled
  • At least one BPAY Biller Code must be allocated to you

If you want to accept BPAY Payins, new and integrating customers should speak with a Business Development Manager or your Solutions Consultant, or existing customers can chat with your Account Manager.

How payers make a BPAY payment

To make a BPAY payment, a payer:

  1. Logs in to their financial institution’s internet banking system.
  2. Adds your BPAY Biller Code and the relevant CRN as a Payee, or uses an existing Payee with the correct Biller Code and CRN already saved.
  3. Enters the amount and submits the payment.

After entering a BPAY Biller Code, the payer is shown the biller’s name in their banking app so they can confirm they’re paying the correct organisation before submitting the payment.

When do I receive a payer’s BPAY payment?

Refer here to learn about BPAY’s processing schedule:
https://support.hellozai.com/bpay-processing-schedule

What happens when Zai receives the funds?

Once Zai receives the payment, the CRN automatically routes the funds to the correct User Wallet. From there, funds can be transferred to other User Wallets based on your payment flow and payout requirements.

How do I integrate BPAY as a payin method?

For detailed technical information, see the BPAY Pay-ins workflow in our Developer Guides:
https://developer.hellozai.com/docs/bpay-payins-workflow