BPAY

A proven BPAY partner

Cuscal sponsors more than 60 clients into the BPAY scheme, and last financial year we processed in excess of 29 million BPAY transactions on behalf of our clients.

Our expertise allows us to integrate new clients fast and efficiently, enabling them to start receiving and processing payments quickly and reliably.

We have established interfaces with all major core banking systems, which means our clients can process BPAY payments straight through from their digital banking channels and core banking system either via Cuscal or directly to BPAY using their Submit Payment APIs.

BPAY Payer

As a Participant Member of the BPAY Scheme, we provide sponsorship, file processing and settlement services that enable banks to participate as Associate Members of the BPAY Scheme.

• Associate Member – Authorised Deposit-taking Institutions (ADIs) are eligible for Associate Membership of the BPAY Scheme under Cuscal sponsorship. There are no transaction thresholds defined by BPAY to become an Associate Member.

We support our clients by sponsoring them into the BPAY Scheme and representing their interests at BPAY Management Committees. We also provide comprehensive back-office functionality, supporting enquiries, reporting, error corrections, and reversal processing.

BPAY Biller

As a Biller Institution, Cuscal can establish Billers and Master Billers within the BPAY Scheme, who can then collect payments on their own behalf by issuing invoices to their customers.

• A BPAY Biller is an organisation that uses BPAY to collect payments on their own behalf by issuing invoices to their customers.  They do not establish or manage other Billers.
• A Master Biller is a Biller who is approved to establish and manage other Billers, known as Sub-Billers.  A Master Biller must also be a Biller in their own right (even if they do not actively collect payment for themselves).

Cuscal can work with you to determine the most appropriate structure for you and your customers.

BPAY View

BPAY View enables financial institutions to enhance customer relationships by providing an integrated bill presentment and payment service offering value added features that leverage internet and mobile banking.

BPAY^® is the registered trademark of BPAY Pty Ltd.

A proven BPAY partner

Cuscal currently sponsors more than 60 clients into the BPAY Scheme, and last financial year we processed in excess of 29 million BPAY transactions on behalf of our clients.

Our expertise allows us to integrate new clients fast and efficiently, enabling them to start receiving and processing payments quickly and reliably.

BPAY Payer

As a Participant Member of the BPAY Scheme, we provide sponsorship, file processing and settlement services that enable PSPs and similar organisations to participate as Payer Institution Members of the BPAY Scheme.

• Payer Institution Member (PIMs) – PIMs are organisations other than ADIs, that manage accounts for customers. They have a ‘store of value’ from which BPAY payments can be made, such as superannuation funds and mortgage originators.

We support our clients by sponsoring them into the scheme and representing their interests at BPAY Management Committees. We also provide comprehensive back-office functionality, supporting enquiries, reporting, error corrections, and reversal processing.

BPAY Master Biller

As a Biller Institution, Cuscal has the authority to establish Master Billers within the BPAY Scheme. Master Billers, who must also be Billers in their own right (even if they do not actively collect payment for themselves), are then approved to establish and manage other Billers, known as Sub-Billers.

The Master Biller structure works for Payment Service Providers who wish to establish BPAY Biller Codes on behalf of their customers, who can then identify the biller by name via their online banking app and bank statements. Master Billers will receive a single daily settlement and are responsible for providing settlement to their Sub-Billers.

BPAY^® is the registered trademark of BPAY Pty Ltd.

A proven BPAY partner

BPAY is a payment solution that streamlines the process and enables corporates to receive payments from their customers electronically. Providing a secure and efficient platform for managing large volumes of payments, BPAY offers enhanced convenience for both the company and its customers.

Our expertise allows us to integrate new clients fast and efficiently and process their payments quickly and reliably.

BPAY Biller

As a Biller Institution, Cuscal can establish both single Billers and Master Billers within the BPAY system.

• A BPAY Biller is an organisation that uses BPAY to collect payments on their own behalf by issuing invoices to their customers. They do not establish or manage other Billers.
• A Master Biller is a Biller who is approved to establish and manage other Billers, known as Sub-Billers.

BPAY^® is the registered trademark of BPAY Pty Ltd.