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How to Pay BPAY With Your Credit Card

As many Australians are familiar, BPAY is an electronic bill payment system in Australia which enables payments to be made through a financial institution’s online mobile or telephone banking facility to organisations which are registered BPAY billers. BPAY can be used to pay bills from over 45,000 businesses including most major household bills! To make a payment, a customer would visit his or her Australian financial institution’s online, mobile or telephone banking facility, where he or she would enter the biller code, reference number and payment amount as well as an indication of the account to be debited, which may also be a credit card. However, some billers do not accept credit cards (or accept payment from a limited list of credit cards) in payment through BPAY, which can be a major inconvenience for many business owners.

So…can I use BPAY using my credit card?

Yes you can, but you should check if you are being charged as a purchase or a cash advance! Some banks might allow you to use BPAY with your credit card if the biller does not accept credit card payments. But in the case, the transaction will be treated as a cash advance and you will be charged a cash advance fee.

So is there a way to pay with credit card, and skip the fee? One way to get around this for your business is to use B2Bpay to pay your BPAY invoices.  In fact, we already have over 30,000 suppliers with a BPAY Biller code set up in our system. And in the event you can’t find your Biller or Supplier on this list, you can simply select ‘Add new biller’ and enter their details!

How does B2Bpay work?

B2Bpay forwards your payment to your biller by BPAY – the same way as if you paid them directly. By using B2Bpay, your credit card issuer will identify the payment as a ‘general’ payment. This means that you will earn FULL credit card points on that transaction, plus it won’t be treated as a cash advance!

Which is faster – BPAY or bank transfer?

Keep in mind that if you are using B2Bpay to make a BPAY payment, you will need to allow 3 business days for the payment to be made. If you are paying a supplier directly via EFT, the funds will usually land in their account instantly or within 1 business day.

What rewards can I earn using my credit card to make BPAY payments?

As mentioned above, using B2Bpay to make a BPAY payment, the payment will be classified as ‘General Spend’ and you will therefore earn your FULL credit card reward points on the payment. What’s more, by using B2Bpay you’ll earn additional Qantas Points (1 point per $100 paid) on top of this (via your Qantas Business Rewards Account).

How to make a BPAY payment using B2Bpay?

It’s really simple. Register for B2Bpay, which you can do straight away (and it’s free). And then you follow the following steps:

  1. 1. Find the BPAY logo on your email or paper bill which will show your Biller code.
  2. 2. Log in to B2Bpay
  3. 3. Select Add a new Biller
  4. 4. Enter the BPAY Biller Code
  5. 5. Make the payment by filling in your reference details and amount.
  6. 6. That’s it! Your bill payment is complete.

To find out more about B2Bpay and sign up – visit our homepage.