BPAY Frequently Asked Questions

What can I use the BPAY loader tool for?
 The BPAY module enables users to manage BPAY instructions and for FinClear to manage the BPAY payments end-to-end — from configuring biller codes and system settings, through to payment file generation, automatic transfer to bank, and audit reporting.

What is a Biller Code?
A code registered with BPAY that identifies the business receiving payment. Validated against the BPAY API before use.

What is a Biller Long Name?
Retrieved automatically from the BPAY API when a biller code is added or updated.

What is a CRN?
Customer Reference Number — identifies the specific account or reference for the payment. Validated via BPAY API when an instruction is created.

What is a Payment File?
A structured file in BPAY format generated by the system and transferred to BANK. Can be manually downloaded or uploaded for exception cases.

What is the cut off time to submit BPAY payments for same day processing?
Please submit by 10am for guaranteed same day processing.

Why am I seeing an error after importing?
There could be a validation error on the record e.g. invalid CRN or unknown biller code. Open the record → read the error detail → correct the field → Save → resubmit.

My instruction has been rejected, how do I check the reason?
Hover over the record on the landing page to see the rejection reason tooltip or open the record to read the full rejection detail.

Why can't I resubmit a rejected instruction?
The record may be in "Cancelled" status. Cancelled records cannot be resubmitted, please start a new instruction if the payment is still required.