Can a BPAY or Direct Debit payment be dishonoured?


Once a customer makes a BPAY payment it is generally considered processed and can not dishonour. Generally the only time a BPAY payment can be unwound is in the event of illegal activity or a dispute is raised by a customer that the payment was made in error. If a request is received from a customers bank requesting the BPAY payment be returned we will advise you by email requesting your instructions. If you believe the payment was made correctly, the request will generally be declined and no reversal will take place. 

Any reversal is done in accordance with your account terms and conditions in addition to the terms and conditions of operating your BPAY service.

BPAY is considered one of the safest methods of payment available. More information is available on the BPAY industry website at


Direct Debit

Direct Debit is the simplest and most effective method for controlling ongoing payments. Once a request is sent to your customers bank the payment is generally deemed accepted unless the customers bank advises otherwise. Payments can dishonour for any number of reasons such as:

  • Refer to customer (Insufficient Funds)
  • Invalid BSB Number
  • No account/incorrect account #
  • Payment Stopped
  • Account closed
  • Customer deceased
  • Technically Invalid
For more information see our support article on Direct Debit Dishonours.
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