I take the above to be that when a BPay is made by the payee, the amount is deducted on the day that the BPay is made and this is when the payment from the account is made also see info from Suncorp below.
We bank with Suncorp and they warn on setting up Bpays to allow business days from the payment date for the funds to be in creditors account. This may be a due to the funds being transferred after hours at Suncorp and then waiting until the creditors bank processes the transferred funds which could be the next after hours period which would be at the end of the next business day …thus the funds appearing in the creditors account in the day after next. BPAY payments are backdated to the day that you process them in Internet or Phone Banking as long as they are submitted by 4pm on a business day.
In your case, Suncorp are unnecessarily confusing the issue by mentioning that payments take days to reach the biller - their second point is the only relevant one, except the payment is not backdated as such, they are actually notified of the payment and what the settlement date was before they get the money, it is at that time they should acknowledge the payment as made on their systems and the settlement date as the date of payer direction.
They get the money at a later stage, some days later …. It is up to the biller how they manage late payments - it is inherent in their decision to accept BPAY as a method of payment that they cannot know a payment is late until BPAY clear all advices of payment covering that last possible settlement date for your account. Last Friday September 23 at 9. On Monday morning September 26 I received a text saying my premium was overdue, or, if it had been paid, I should disregard the text.
The first said it would be paid Friday, the second paid 3 minutes later, said Tuesday Monday being a Sydney holiday , both bank accounts were in Qld. This time I contacted the Council immediately and offered to pay by another method to preserve the discount and asked them to refund the BPAY when received.
Their interpretation of BPAY is that I had paid on time, however the discount is only if the funds are in their account by the closing due date. Australian banks are pulling the wool over our eyes. I refuse to believe that it can take days for a bpay to be successful when a credit card transaction is instant.
They will pontificate and lie with feeble excuses to explain away this fact, however the fact remains that bpay can be effected immediately with existing technology. Merchants who accept it have to accept a Bpay lodged on the due date as being paid on time even though they do not receive notice for a day or two afterwards.
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Products and services including banking, superannuation and insurance including home and car insurance are provided by separate companies in the Suncorp Group. Business Banking Enquiry. Please complete the below enquiry form for assistance. Please note, for your protection and privacy, we are unable to discuss your accounts via email. Member number. Are you a member? Is this a lending enquiry? Other additional info. For Business Members, saving the details of multiple payments is a convenient way to make payments.
Details of multiple payments can be saved as a template in Internet Banking so you can re-use it at another time. You can create a multiple payment to employees or suppliers in one go. The transaction can also be saved as a template that can be reused or edited. These payments will be processed as one transaction per entry. Creating a template is a convenient way for Business Members to make payments to several Billers or Payees by saving details of multiple payment transfers for future use.
This process does not require an ABA Australian Bankers Association direct entry file to be uploaded every time you wish to make a payment.
To upload an ABA file:. Payments made after 4pm may not be processed until the next business day refer to your account terms and conditions. You cannot delete or cancel an immediate transfer or a transfer to be processed today. The amount is based on the date the payment occurs, not the date the payment was created. Rather than waiting hours or days for money from someone who happens to use a different bank, your money can now be moved in near real-time. Osko could be used when paying at a group dinner, socialising, or even paying a tradesperson on the spot.
Osko enables online payments more conveniently than ever before. BPAY is still the easiest way to make bill payments, packed with smart features to make it less complicated — like bill scheduling, auto payments, and Batch Payments. BPAY View makes it easy to manage your bills and statements so that you can view, pay and store bills securely by getting them sent straight to your Internet Banking.
Osko uses world-leading technology is subject to very high data security standards and is monitored 24 hours a day, seven days a week. You should always remain alert to the possibility of cons and scams, particularly if you receive unexpected requests via social media, emails or SMS for urgent payments or account information. As long as you are registered for Internet Banking you will be able to select the option to make an Osko payment either through Internet Banking or our Mobile App.
If your account is currently able to receive an incoming payment it will also be ready to receive an Osko payment, no additional registration is required. PayID is a 'smart address' for payments, created by linking a financial account that you own to a recognisable and memorable piece of information that you use in everyday life — such as your phone number or email address.
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