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Business / Merchant services / BPOINT

Features & benefits

  • Easy online payments

    BPOINT is the easy way to add an online payment option to your business. All your customers need is to enter their invoice details to direct payment to your business account.

  • Fast & reliable system

    Fast processing, real-time authorisations and same-day settlement1 put funds in your account faster.

  • Streamlined administration

    With all your payment data in one place, it’s easier to keep track of and reconcile your payments, cutting your overheads and saving you time.

  • World-class security

    World-class security ensures your customers’ data is secure, allowing for confidence and peace of mind. EMV3DS helps enhanced fraud protection, less friction, more confidence on approvals and a reduction of fraud and chargebacks. 

  • Customisable

    Your BPOINT payment page can be customised with your own branding. Developers can also integrate BPOINT into your business app.

  • Easy payment processing

    Use the portal to process one-off and batch payments and refunds. You can also schedule direct debits from your customers so you never have to remember to get their details again. 

    Process major card types including MasterCard™, VISA®, Amex®, Diners Club®, JCB®, Union Pay® and Apple Pay for one off transactions2

BPOINT packages

  • BPOINT Backoffice

    A real-time online solution that allows you to process payments by entering customer credit card details through an online virtual terminal.

    Package includes:

    • Administration portal
    • Virtual terminal
    • Batch/schedule payments

    Find out more

  • BPOINT Checkout

    Customise the look and feel of your payment page, tokenise your data and process payments securely via BPOINT's API or Hosted Page.

    Package includes all Backoffice features, plus: 

    • Hosted payment page
    • Tokenisation
    • API
    • Issue invoices by email
    • Custom biller codes
    • Shopping cart plugins

    Find out more

  • BPOINT Enterprise

    Unlock efficiencies in the way you accept payments from your customers with the full suite of BPOINT's features.

    Package includes all Backoffice and Checkout features, plus: 

    • Interactive Voice Response (IVR)
    • Bank account payments
    • Electronic direct debit registration
    • eForms
    • i-Services
    • Decline payment manager

    Find out more

How to apply

Here's how the application process works. 

1. Give us a call

  • We’ll discuss your eCommerce needs, ask for all required information and complete your application
  • We may ask for more information e.g. bank statements from other financial institutions

2. Review your application

  • We’ll email you your final application form to review
  • If no signature is required, we'll fast track your application for approval
  • If we need a physical signature, we'll email your application to you to sign and return

3. Get approved

  • If approved, we'll send you a confirmation letter with your merchant facility ID
  • It can take 5-7 days for processing

4. Set up your service

You’ll receive a welcome email with a temporary password to log into your account. 

Start your application

  • You’ll need

    • A business trading name registered with ASIC
    • A business transaction account to settle your sales to, or if you don't have one we can set up a CommBank Business Transaction Account3

  • Website requirements

    Your website must clearly display:

    • Terms and conditions
    • Privacy policy
    • Refunds Policy, Dispatch & Deliveries Policy if you sell goods
    • Images and description of goods and services you are offering are clearly visible
    • Current contact details, including phone number, email address and trading address in Australia
    • shipping /delivery information is required if you’re selling goods via their website
    • You must also make sure your Australian business trading name matches the primary name you use on your website

     

  • Have these details handy

    • Business contact information, including phone and email
    • Australian Business Number (ABN), business structure and registered address
    • Financial information, including yearly turnover, average transaction value, start date
    • Details of every director, partner or trustee depending on your business structure. This includes birth date, residency and occupation information

    Call now

Keeping your customer's information safe

Guidance

Tips to keep your customer’s personal information safe from unauthorised use, loss or disclosure.

Keep reading

4 ways to prevent credit card fraud

Guidance

 

Credit card fraud can negatively impact your businesses’ customers, revenue and reputation.

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Create a market-leading customer experience

Guidance

Leading retailers share their thoughts on the dynamics shaping the future of the retail industry.

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We can help

Things you should know

  •  As this advice has been prepared without considering your objectives, financial situation or needs, you should, before acting on the information, consider its appropriateness to your circumstances. Please view our Merchant Agreement, Financial Services Guide and Operator and User Guides at our Merchant Support Centre.

    1 Everyday Settlement available to eligible customers with a Commonwealth Bank business transaction account and a linked Commonwealth Bank merchant facility. ‘Same day’ includes all card sales before 5:30 pm (AEST).

    2 Apple Pay is only available on the BPOINT Hosted Payment Page and API for one off transactions. To enable Apple Pay on your BPOINT Hosted Payment Page or API, please contact your Relationship Manager or our Merchant Support Helpdesk on 1800 230 177 (option 1, 3, 1) Monday to Friday 9am to 5pm (AEST). Please refer to the BPOINT Developer Centre for instructions on how to enable Apple Pay on your BPOINT API. 

    Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries.

    3 The information on this website has been prepared without considering your objectives, financial situation or needs. Because of that, you should, before acting on the information, consider its appropriateness to your circumstances. Please view our Financial Services Guide (PDF). Terms, conditions, fees and charges apply to Business Transaction Accounts. Read the Terms and Conditions for Business Transaction and Savings Accounts and consider whether this product is right for you.