Flexible Global Settlement
Move your collected AUD back to your home operations — your way.
Enable your global business to accept BPAY and PayID — the native, risk-free payment networks trusted by every Australian consumer and natively supported by 100% of Australian banks.
Payment Sent
to LocalPay
Melbourne Cafe • AUD $42.50
99.9% Australian Bank Coverage • Natively Connected to Australia's New Payments Platform (NPP) & BPAY Registry
Why traditional credit cards fail to capture high-value Australian commerce.
Over 80% of Australians use BPAY to pay monthly rent and residential mortgages. If your platform handles recurring subscriptions, invoicing, or high-value B2B payments, BPAY is the expected standard.
Power, water, insurance, and internet — almost all household utility invoices are processed natively through BPAY Customer Reference Numbers (CRNs).
Even the Australian Taxation Office (ATO) prefers BPAY and PayID payments over high-fee credit card transactions. Government and institutional payments follow the same rails.
If your business doesn't offer native push payments, you're missing out on how Australians are culturally trained to pay.
Structurally eliminate fraud, chargebacks, and payment friction.
BPAY and PayID are "push" payments, authorised securely inside the customer's bank. No card numbers exposed — disputes are structurally eliminated.
Integrated natively into every Australian banking app. No consumer signups, downloads, or onboarding required. Your customers already have it.
Bypass expensive international merchant markups, cross-border card-interchange fees, and high dispute costs. Predictable, low pricing.
Accept thousands in single payments without fraud flags or daily card limits. Ideal for SaaS, wholesale, B2B, and luxury retail.
| Feature | Credit Cards & Legacy Networks | LocalPay (BPAY & PayID) |
|---|---|---|
| Chargeback Risk | High (Up to 180 days post-purchase) | 0% Guaranteed (Irrevocable push-payments) |
| Fraud & Identity Theft | High (Exposed card details & skimmed keys) | Virtually Non-existent (Authorised inside banking app) |
| Transaction Fees | High (Percentage-based + International markups) | Low, predictable pricing (Saves thousands monthly) |
| Transaction Limits | Low daily card-issuer restrictions | Ultra-high limits (Ideal for enterprise/wholesale/SaaS) |
| Settlement Speeds | Standard bank batching cycles | Instant (PayID) or Next Business Day (BPAY) |
Built for platforms, marketplace software, and custom checkout flows. Comprehensive webhooks, sandbox testing, and detailed documentation.
RESTful • JSON • WebhooksFast checkout integration with pre-built modules for Shopify, WooCommerce, Magento, and standard hosted redirect paths.
Plug & Play • Hosted • No-CodeSee exactly how your Australian customers will pay — in real time.
LocalPay has created a single-use PayID for this transaction:
checkout-1082@localpay.au
AUD $648.00
Confirm payment to:
LocalPay
AUD $648.00
Reference: checkout-1082
Funds settled instantly via NPP. The merchant has been notified.
Use these details in your Australian banking app:
982312
901 234 567
982312
901 234 567
AUD $2,535.00
BPAY settlement queued for next-business-day processing.
Automated reconciliation event generated for the merchant.
Move your collected AUD back to your home operations — your way.
Watch how LocalPay enables global merchants to accept Australian payments seamlessly.
Welcome to our payment information hub. We support convenient and secure payment methods for all Australian residents. Below, you will find answers to common questions about using BPAY and PayID.
BPAY is available to anyone with an Australian bank account. It is the industry standard in Australia for paying bills — such as utilities, invoices, and larger account balances — directly and securely through your online or mobile banking app.
BPAY transfers are processed overnight on business days. Payments made before your bank's daily cut-off time (Monday to Friday) will generally reach us on the next business day. Please note that payments made on weekends or public holidays will begin processing on the following business day.
BPAY is ideal for higher-value transactions. You can use BPAY for payments up to AUD $50,000, subject to the daily transfer limits set by your financial institution.
PayID is available to all Australians with an account at a participating bank or financial institution. It allows you to make fast payments using a simple identifier — such as a mobile phone number, email address, or ABN — instead of entering traditional BSB and account numbers.
PayID payments are generally fast, with funds settling within seconds. However, if you are making your first payment to a new PayID recipient, your bank may temporarily hold or delay the payment for up to 24 hours as a security precaution against fraud. Subsequent payments to the same recipient are usually processed instantly.
PayID is primarily intended for smaller, everyday transfers. While specific daily limits depend on your individual bank's settings, PayID transfers are commonly capped at around AUD $1,000 per transaction or per day. For larger amounts, we recommend using BPAY.
Speak with an integration specialist to configure your local rails and custom volume pricing.
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