BPay Payments File Specification

Version No. 7 1 March 2022 Public

1.1 File Format Rules


#	Rule Description
1	File is in CSV format, i.e. comma delimited.
2	The last field in each record does not close with a comma.
3	Fields are left-justified with no trailing spaces.
4	An empty field is signified by a comma immediately following the comma after the previous field, e.g. ",,".
5	Each record (Header, Payment Details) must end in a Carriage Return Line Feed (CRLF) character (ASCII values 13 and 10).
6	Field formats are: A = alphabetic – any letter, number of symbol. AN = alphanumeric – numbers (0 to 9), "-" (hyphen/dash), "." (full stop) and "+" (plus sign). N = numeric – numbers only (0 to 9).
7	For a single debit for multiple payments, create a file with one Header record and multiple Payment Details records.
8	For an individual debit for each payment, create a file with both a Header record and a Payment Details record for each payment.
9	The maximum limit of payments per file is 200.
10	Multiple files can be imported into CommBiz in the one action. The maximum limit of files per import is 20.
11	If the "Payment Date" field (field 6) is left blank it will default to today's date (i.e. the date the file is submitted).

1.2 Sample Files

1.2.1 Single debit for multiple payments

01,20210306,103051,001,06200012345678,20210308,2,182923
50,,,,,,,,7334,,8923037123,,,130350,,,,,,,,,,,
50,,,,,,,,6666,,12340001756,,,52573,,,,,,,,,,,

1.2.2 Individual debit for each payment

01,20210306,103051,001,06200012345678,20210308,1,130350
50,,,,,,,,7334,,8923037123,,,130350,,,,,,,,,,,
01,20070306,103051,001,06412378945612,20070308,1,52573
50,,,,,,,,6666,,12340001756,,,52573,,,,,,,,,,,

1.3 BPay File Layout

The highlighted fields are either mandatory or optional. All other fields are for future use and are required to be empty.

Header


Field No.	Field Name	Length	Format	Mandatory	Description
1	Record Type	2	N	Yes	"01"
2	File Creation Date	8	N		YYYYMMDD - the date the file was created.
3	File Creation Time	6	N		HHMMSS - the time the file was created.
4	File Number	3	N		Sequential number of file. Could commence at '001' each day.
5	Payment Account	20	N	Yes	The account number of the funding account.
6	Payment Date	8	N	Yes	YYYYMMDD - the date on which the payments are to be made. Can be up to 15 months into the future from the lodgement date. If left blank, will default to the date the file is submitted.
7	Number of Payment Records	6	N	Yes	The number of payments in the file.
8	Total Amount of Payments	12	N	Yes	The total amount of payments in the file, in cents.

Payment Details


Field No.	Field Name	Length	Format	Mandatory	Description
1	Record Type	2	N	Yes	"50"
2	File Creation Date	2	N		empty
3	File Creation Time	1	N		empty
4	File Number	3	A		empty
5	Payment Account	20	AN		empty
6	Payment Date	3	A		empty
7	Number of Payment Records	3	A		empty
8	Currency Code of Payment	3	A		empty
9	Biller Code	10	N	Yes	The BPay Biller Code of the beneficiary of the payment.
10	Service Code	7	N		empty
11	Customer Reference Number	20	N	Yes	The account number, reference number, etc. of the account that is being paid.
12	Payment Method	3	N		empty
13	Entry Method	3	N		empty
14	Amount	12	N	Yes	The amount of the payment, in cents.
15	Transaction Reference Number	21	AN		empty
16	Original Reference Number	21	AN		empty
17	BPAY Settlement Date	8	N		empty
18	Date Payment Accepted	8	N		empty
19	Time Payment Accepted	6	N		empty
20	Payer Name	40	A		empty
21	Additional Reference Code	20	A		empty
22	Error Correction Reason	3	N		empty
23	Discount Method	3	A
24	Discount Reference	20	A		empty
25	Discretionary Data	50	A		empty