Welcome, BPAY Developer Portal users! To log in to AP+ Developers, please reset password using your registered email address.

BPAY logo

BPAY® is an easy and secure way for customers to pay bills or invoices and for businesses to receive payments.

BPAY is in the online banking of over 150 banks, credit unions and building societies.

Over 60,000 businesses offer BPAY to their customers to pay bills securely whilst making it easy to reconcile their accounts receivable.

Why use BPAY APIs?

Greater accessibility to BPAY Payments for a variety of customer types

Ability to validate a BPAY Payment before submitting

Reduce reliance on payment batch and file-based workflows

Greater flexibility in solution design

How a BPAY Payment works, and how our APIs can help

Merchant signs up to become a BPAY Biller

Biller Institutions can use our APIs to: Onboard and update Billers

BPAY Biller issues their customer with a bill or invoice

Billers can use our APIs to: Generate Customer Reference Numbers and QR Codes for inclusion on bills

Customer enters bill details into online banking or other application

Payer Institutions and BPAY Batch Payers can use our APIs to:

The Payer Institution submits payment details to BPAY

Scheme Members 1 can use our APIs to: Submit payments to BPAY 2

BPAY passes payment details to the Biller Institution

Biller Institution passes payment details to Biller

Institutions settle funds with one another                                 

Explore BPAY APIs

In order to use the BPAY Group APIs, other criteria must be met, such as providing an ACN, ABN or ARBN.

For full requirements, please see the Production Request.

The table below outlines which Production APIs your organisation is eligible to use.

The BPAY Scheme

BPAY Payments are managed by the BPAY Scheme.

The BPAY Scheme has grown into a membership of over 150 financial institutions working together to build stronger payment services. This collaboration has helped us provide a convenient and consistent experience for businesses and consumers, every time they use our payments products and services.

Your organisation can participate in the BPAY Scheme in three main ways:

Scheme Members

A BPAY Scheme Member is a Financial Institution that participates in the BPAY Scheme for the purpose of facilitating BPAY Payments.

This includes:

  • Offering BPAY Payments to customers

  • Offering Biller businesses/organisations the ability to offer BPAY to their customers

Being a Scheme Member requires compliance with Business Rules and Operating Procedures and satisfying a number of other criteria.4

Scheme Participants

BPAY Scheme Participants are not members of the Scheme but offer BPAY Payments to their customers.

This includes:

  • BPAY Billers who offer BPAY as a bill payment method to their customers 5

  • BPAY Batch Payers who submit multiple BPAY Payments in a single file to their Financial Institutions 6

  • Organisational Payers who are organisations registered with an ACN, ABN or ARBN and are eligible to make BPAY Payments through their nominated Financial Institution

Service Providers

A Service Provider is an organisation registered with an ACN, ABN or ARBN who provides services for their own customers who fit into at least one of the following categories:

  • BPAY Batch Payers

  • BPAY Billers

  • Organisational Payers

  • BPAY Scheme Members

API eligibility

Fees and Pricing

There are no charges for utilising API Products in the Sandbox environment. Here, users can access test data while developing their own solutions.

Once users request to access the Production environment, BPAY APIs will be subject to fees.

Sandbox

Sandbox

Free

Ideal for testing and development


Production environment

Freemium

$0 / month

0 to 200,000 calls 7 per month

Power

$1,400 / month

200,001 to 500,000 calls 7 per month

Turbo

$2,600 / month

500,001 to 1,000,000 calls 7 per month

Super

Per request

1,000,001 plus calls 7 per month

Contact Us

Reliability and security

Stay up-to-date with real-time API status and outage information via the API Status page. We are committed to a 99.7% monthly uptime and provide advance notice of planned maintenance, ensuring consistent and dependable service.

Start developing today

Kick off your journey with AP+ solutions.
Get access to our APIs, technical documentation, and tools to boost your business.

  1. Scheme Members who have subscribed to BPAY Payments.

  2. Accepted Payments will be processed and included in settlement as outlined in the BPAY Payments Systems Specifications, available to Scheme Members on B-Place.

  3. Scheme Members who have subscribed as BPAY Biller Institutions or Service Providers to BPAY Biller Institutions.

  4. Business Rules and Operating Procedures are available to Scheme Members on B-Place.

  5. BPAY Billers are required to enter into Biller agreement with their Financial Institution.

  6. BPAY Batch Payers are required to enter into a Batch Payer agreement with their Financial Institution. See the ‘Generate BPAY Batch File’ documentation for details on which Bank Batch File formats are supported by our API.

  7. Monthly fees will be calculated according to the following: Total number of individual calls made to an API within a given calendar month. Please be aware that this number includes any calls made in a testing capacity, and any unsuccessful call responses.

  8. Usage and pricing subject to change at any time at AP+ discretion.