BPAY

BPAY

BPAY is a payment collection method that allows customers to pay bills over the Internet or phone banking via their bank or financial institution. Registered BPAY billers provide payment information on their customer’s bills which includes their BPAY biller code and an unique reference number for the customer to use when making payments. The invoices created by the system will also include BPAY details if you are a registered BPAY biller, and your BPAY details have been configured correctly. For more information about setting up your BPAY biller details, please contact the Emersion Sales team.

You can configure the BPAY reference number format to use (i.e. per your bank’s or financial institution’s requirements) that will help you identify BPAY payments made by your customers. The system can then automatically generate each customer’s unique BPAY reference number based on the reference number format set up. The system uses the customer’s account number as well as the reference number format information to generate a number, which is then processed through a Luhn algorithm to generate a check digit, which is then appended to produce the customer’s unique BPAY reference number.

Each account is individually configured with BPAY details including:

Biller Code

your BPAY biller code to show on the account’s invoice

Reference

the BPAY reference number to uniquely identify BPAY payments made by your customer. This reference number will appear on the account’s invoice

Finance Charges

fees that can be automatically applied to the account when a BPAY payment is processed.

These details are maintained via the Customers > Customer List > view account > Payment Methods page.

The BPAY Payment Process

1. The system generates and sends an invoice to your customer containing your BPAY biller code and the customer’s system generated BPAY reference number.
2. Your customer logs into their Internet banking site, or uses phone banking, to make a BPAY payment.
3. Your customer will enter your biller code and reference number, as well as the amount they wish to pay.
4. The customer’s bank or financial institution validates the payment and provides the customer a receipt number.
5. Your customer’s payment details are forwarded from their bank or financial institution to your bank or financial institution via BPAY.
6. Your bank or financial institution forwards a payment information file to you, and deposits the cleared funds into your bank account.
7. You upload the payment information file into the system to allocate the payments against your customers’ accounts (see Bulk Import Payments on page 93).

To Modify BPAY Details

1. Select Admin > BPAY Details from the Menu. The Bpay Biller Codes list page will appear showing a list of configured BPAY billers.
2. Click the Edit link in the Actions column of the required Biller code. The Edit Biller Code page will display.
3. Enter the BPAY reference number prefix to use when generating your customers’ unique BPAY reference numbers in the Reference Number Prefix field.
4. Enter the length of the BPAY reference number to generate in the Reference Number Length field.
5. If you have multiple BPAY biller codes configured, tick the Is Default Biller Code check box if you wish the system to use the current biller code as the default biller code (i.e. for all new customer accounts created) You can override the biller code to use for each account individually if required (see below).
6. Click the Save button to record the BPAY details.

See also

• Invoicing
• Payments
• EPS