How it works

Convenience & flexibility

  • Offer your customers the ability to pay in minutes online, from their mobile or over the phone.
  • Add a QR Code to your bills to make payments even faster, allowing customers to scan with their mobile or tablet device and pay in just one click. 

Business benefits

Streamline reconciliation

Get validated Customer Reference Numbers (CRNs) and a daily payment file to streamline your reconciliation.

Payment efficiency

Reduce the risk of non-payments as the BPAY system does not enforce dishonours. Payments processed before 6pm AEST are forwarded to your nominated bank account the following business day. 

Peace of mind

Access to Intelligent Customer Reference Numbers (iCRN) which allows you to only accept payments that are paid by a certain due date or for a fixed amount, or both.

Is it right for your business? 

This could be for your business if you:

  • Send out multiple invoices to a large number of customers
  • Want to reduce paperwork and save time spent on reconciling or chasing payments
  • Want a simple and easy way for customers to pay you

How to apply

BPAY for business works with CommBiz

You'll need a CommBiz account to use BPAY. 

You can apply for CommBiz online by completing the online application form. Choose the express or custom registration mode, depending on your business requirements.

Alternatively, visit your nearest branch.

Apply for CommBiz

Speak to your Relationship Manager

To apply for BPAY for business you'll need to:

  • Have an existing CBA transaction account
  • Be a CommBiz user
  • Speak to your Relationship Manager


Things you should know

View Terms and Conditions for Business Transaction and Savings Accounts , CommBiz, Receivable products, Direct Credit and our Financial Services Guide and consider them before making any decision about these products. This advice has been prepared without considering your objectives, financial situation or needs. Before acting on the advice, please consider if it’s right for you. Bank fees and charges may apply. 

BPAY® is registered to BPAY Pty Ltd. ABN 69 079 137 518.