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

There are two ways to change the BPay biller code you use.

1. Set the biller code globally
2. Set the biller code for a customer

To set the BPay biller code globally:

Navigate: Admin > Payment Details > Bpay Details

The BPay Details page will show any BPay biller codes being currently in use or have been used previously.

1. Click the Edit link in the Actions column of the required Biller code. The Edit Biller Code page will display.
2. Enter the BPAY reference number prefix to use when generating your customers’ unique BPAY reference numbers in the Reference Number Prefix field.
3. Enter the length of the BPAY reference number to generate in the Reference Number Length field.
4. 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).
5. Click the Save button to save the changes.

Important It's important to realise that by setting the BPay biller code as the global default will not automatically mean the new default BPay biller code will automatically be used on all future invoices for customers already created. The new global default setting will only apply to new customers created after the change. If you wish for existing customers to also adopt the new biller code you will need to set the BPay biller code for those customers manually as per the instructions below. If your customer base is the size where this is not practical, you can raise a Work Request with Emersion and we will provide you a quote for the work.

To set the BPay biller code for a customer:

1. Find the customer you want to change biller codes for using the Customer search screen.
2. On the Payment Methods tab of the customer, click the BPay sub tab.
3. Click the Edit button.
4. Select from the list, the BPay code you want the customer to use.
5. Complete the rest of the fields.
6. Save the changes.

See also

• Invoicing
• Payments
• EPS