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RBA Glossary definition for BPAY

BPAY – BPAY is a payments clearing organisation owned by a group of retail banks. Individuals who hold accounts with a BPAY participating financial institution can pay billing organisations which participate in BPAY, using account transfers initiated by phone or internet. The transfers may be from savings, cheque or credit card accounts.

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Cash Use in Australia: New Survey Evidence

10 Sep 2011 Bulletin – September 2011
John Bagnall and Darren Flood
BPAY. 100. Personal cheque. 90. American Express/Diners Club card. 50. MasterCard/Visa credit card. ... 9.3. 70. 9.5. 64. Card. 3.5. 27. 4.7. 32. BPAY. 0.3.
https://www.rba.gov.au/publications/bulletin/2011/sep/7.html

How Australians Pay: New Survey Evidence

16 Mar 2017 Bulletin – March 2017
Mary-Alice Doyle, Chay Fisher, Ed Tellez and Anirudh Yadav
The Reserve Bank's 2016 Consumer Payments Survey showed that Australian consumers are increasingly using their debit or credit cards instead of paying in cash or writing cheques. While more and more small payments are being made with contactless
https://www.rba.gov.au/publications/bulletin/2017/mar/7.html

Consumer Payment Behaviour in Australia

15 Jun 2023 Bulletin – June 2023
Thuong Nguyen and Benjamin Watson
The results of the Reserve Bank’s 2022 Consumer Payments Survey show that consumers continue to shift from using cash to electronic payment methods – a trend that was accelerated by the COVID-19 pandemic and consumers’ preference towards using
https://www.rba.gov.au/publications/bulletin/2023/jun/consumer-payment-behaviour-in-australia.html

A Guide to the Card Payments System Reforms

10 Sep 2010 Bulletin – September 2010
Michele Bullock
the recipient's financial institution. Examples of payment systems in Australia include cheques, debit and credit cards, BPAY and direct credits and debits. ... In the case of payments from a deposit account (such as cheques, debit cards and BPAY),
https://www.rba.gov.au/publications/bulletin/2010/sep/7.html

Trends in Mobile Payments in Developing and Advanced Economies

22 Mar 2013 Bulletin – March 2013
Darren Flood, Tim West and Daniel Wheadon
As mobile phones have become commonplace throughout the world there has been an increasing focus on their potential use for making payments. Adoption of mobile payments in developing economies has occurred well ahead of that in advanced economies,
https://www.rba.gov.au/publications/bulletin/2013/mar/8.html

7. Conclusions | Results of the Reserve Bank of Australia's 2010 Consumer Payments Use Study June 2011 | Consultations

7 Jun 2011 Consultations
BPAY, internet/telephone banking and cheques are important payment methods for higher-value payments, particularly those greater than $500, although overall cheque use continues to decline.
https://www.rba.gov.au/publications/consultations/201106-strategic-review-innovation/results/conclusions.html

The Current Payments Landscape | Results of the Reserve Bank of Australia's 2010 Consumer Payments Use Study June 2011 | Consultations

7 Jun 2011 Consultations
BPAY, internet/telephone banking and personal cheques (not shown separately in Graph 2) are important for high-value payments. ... 36. 29. MasterCard/Visa debit card. 18. 35. BPAY. 13. 24. Personal cheque.
https://www.rba.gov.au/publications/consultations/201106-strategic-review-innovation/results/current-payments-landscape.html

Innovation and Governance of Payment Systems

10 Oct 2005 Bulletin – October 2005
Philip Lowe
In Australia, the EFTPOS system, the cheque system, the ATM system and the direct credit and debit systems all operate on a bilateral basis, while the credit card and BPay systems
https://www.rba.gov.au/publications/bulletin/2005/oct/6.html

Electronic Indicators of Economic Activity

10 Jun 2012 Bulletin – June 2012
Troy Gill, Dilhan Perera and David Sunner
The ‘Online Retail Sales Index’, produced by NAB and Quantium, estimates online retail spending, based on an analysis of credit and debit card transactions, as well as BPAY, direct debit and
https://www.rba.gov.au/publications/bulletin/2012/jun/1.html

Introduction | Results of the Reserve Bank of Australia's 2010 Consumer Payments Use Study June 2011 | Consultations

7 Jun 2011 Consultations
Cards are the dominant payment method for mid-sized transactions, while BPAY, internet/telephone banking and cheques are important payment methods for higher-value transactions (particularly those above $500).
https://www.rba.gov.au/publications/consultations/201106-strategic-review-innovation/results/introduction.html