Make money move™ efficiently.

BPAY but better

but better

Offered by over 55,000 businesses, BPAY is a trusted and familiar way to pay for many Australians. All it takes is a recognised Biller Code to give your customers confidence when they pay.

With Monoova, BPAY is even better. Monoova can help you automate BPAY payments, not just to you, but also from you. And it is done on the same platform which automates all your NPP, PayTo, online card payments, RTGS (real-time gross settlement) and direct-entry transactions. Plus, automated reconciliation on every transaction means significant savings on time and money, tracing and matching payments. Everything in one place.

  • Migrate your existing BPAY setup to Monoova
  • BPAY Biller (in) and BPAY Sender (out) through one API
  • Reconcile automatically
  • Eliminate manual, file-based workflows
Up to 3 days
Receive payments
Pay

Ditch old batch processes.

BYO BPAY

BYO

If you’re already using BPAY you know how much time can be spent on reconciliation of mismatched amounts and customer reference numbers (CRNs). It doesn’t have to be that hard.

Bring your existing BPAY biller code to Monoova and process high volumes of BPAY transactions through our API. With API automations, you can cut the time spent on managing money from hours to seconds. It’s how we make money move™.

The smarter way to bill

smarter way

Effortless reconciliation

Partner Monoova’s API and data capabilities with BPAY to automate reconciliation.

Better customer experience

Let your customers choose when and how to pay their bills.

Biller verification

Have peace of mind and ensure you’re getting paid correctly with biller verification.

BPAY Out

Pay suppliers with BPAY Sender. Organise all your payment flows on the same platform, regardless of payment type.

Is BPAY for you?

BPAY for you

Payments in

Ideal for businesses looking for familiar, stress-free transactions.

  • Verify that details are correct with a BPAY Biller code
  • Accept higher value transaction limits
  • Allocate unique customer reference numbers (CRNs) to reconcile BPAY transactions automatically
  • Give your customers a seamless, secure payment experience through their online banking, just like they’re used to

And payments out

Ideal for businesses needing to pay billers, such as government agencies, telcos, education and utilities.

  • Limit payment errors with pre-payment validation of biller codes and CRN
  • Automate BPAY bill payments through our API
  • Pay institutions that don’t accept other forms of payments
Without the API that Monoova provides, things like BPAY, direct debits, bank transfers, we would have to integrate and build all the componentry around it individually. With Monoova, we can just plug into one API and we can gain all that functionality.”
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Headshot of Tristan Dakin from Wise

Tristan Dakin

Country Manager, 

Australia & New Zealand

Make BPAY work for you

work for you

Innovate

Migrate your BPAY setup to Monoova.

Integrate

Connect the Monoova API to your ERP and reporting systems.

Optimise

Save time and streamline workflows with automated reconciliation.

When is BPAY via Monoova the best option for you?

the best option for you
BPAY
PayTo
Cards
Recurring fixed payments
Recurring variable payments
Transaction costs
$$
$
Flat fee
$$$
The % fee grows with transaction value
Settlement speed
Within 1 banking day
Real-time (2-3 seconds)
Up to 2 business days
Customer control
Payments are initiated by customers
Customers can manage or cancel PayTo agreements
Agreements are impacted if the customer’s card is cancelled, expired or lost
Real-time notifications
Pay customers and suppliers
N/A
Real-time account validation
x
Automatic reconciliation with Monoova’s API
Customer surcharge
x
Data storage
N/A
Centralised, secure digital storage
Limited storage

No either/or.

More flexible payments with one API

More flexible|one API

It’s about the best fit for your needs. Monoova is your bridge between traditional and emerging new payment types. Get PayTo, NPP, BPAY, direct debit and more with our secure payment API to make sure you get paid (or pay) on time, every time, and in every situation. Our team of experts are on hand to help you craft the right solution for all your business needs.

The best of BPAY.

Get BPAY with Monoova

BPAY with Monoova

Build on BPAY’s trusted and familiar brand with Monoova’s automation expertise. Start fresh or easily migrate your existing solution and start enjoying streamlined, automated invoicing that saves you time and keeps money moving. Speak directly with one of our BPAY experts today and take control of your billing with Australia’s most widely used bill-payment service.

More ways to make money move™

make money move™

FX services

Access wholesale cross-border rates in the same place as your domestic payment support

PayTo

Real-time, data-rich payments on NPP rails.

Auto-reconciliation

Automatic, real-time reconciliation.

White-glove service and a single point solution that connects you with speed and automation 24/7/365

Monoova is your partner to make money move™
White-glove service|single point solution|make money move™

The latest news

news

Reduce the admin of identifying and rectifying incorrect payments with Monoova’s automated reconciliation rules

Reconciliation is a huge part of any finance team’s time, especially at the end of a financial period. Manual processes introduce the risk of human error, both on the side of the payments being made, and payments being received and allocated, causing headaches for everyone involved.‍ Explore how Monoova's reconciliation rules can reduce admin and bring efficiencies to your business.

Driving Value Through Payments

Monoova recently held a panel discussion with payment experts and industry leaders on how payments can enable change, transformation and drive business growth. Panelists from Australian Payments Plus, Cuscal and Hnry share their commentary on how payments can drive value for consumers and businesses alike.

How real estate agents can use payments to boost their bottom line

David Greene, Chief Commercial Officer at Monoova shares his top payment strategies for real estate agents to improve their bottom line.

PayTo - Commonly Asked Questions

What is PayTo? How does it work? We answer the most frequently asked questions surrounding PayTo. PayTo is a new, digital way for merchants and businesses to initiate real-time payments from their customers’ bank accounts.

*Disclaimer: To the extent that the information contained above is sourced from third parties or provides link to third party websites, Monoova takes no responsibility for the accuracy, currency, reliability and correctness of any information included in the material provided by third parties nor for the accuracy, currency, reliability and correctness of links or references to information sources (including internet sites) operated by third parties. You may read our PDS/FSG for more information.