Australia

Overview

Payment method	Local	Local	Local	SWIFT
Local clearing system	`BANK_TRANSFER`	`NPP` (coming soon)	`BPAY`
Supported currency(ies)	AUD	AUD	AUD	AUD, CAD, CHF, CNY, CZK, DKK, EUR, GBP, HKD, HUF, ILS, JPY, NOK, NZD, PLN, RON, SEK, SGD, THB, TRY, USD, ZAR
Payment Scheme	BECS	NPP	BPAY®
Flight time (business days)	0-2	0-1	0-1	0-3
Maximum transaction limit	No limit	No limit	Depends on biller*	No limit
Ultimate payer displayed	Yes			Yes

* Note that BPAY® billers may set upper and lower value limits that they can accept for BPAY® payments. Airwallex will return a field validation error if the transaction amount is not within the acceptable range set by the BPAY® biller. See Australia BPAY® field validation errors in Error codes (056 - 058).

Please refer to the sections below for the key required bank details and other considerations for each supported payment method.

Local AUD Bank Transfer

Required fields	Permitted Data	Notes
`account_currency`	3-letter ISO 4217 currency code	Should be `AUD`
`account_name`	2-200 characters	Account holder name of the recipient’s bank account
`account_number`	4-9 digits
`account_routing_type1`	`bsb` only	Bank-State-Branch (BSB) is a six-digit code that identifies bank branches in Australia
`account_routing_value1`	6 digits
`bank_country_code`	2-letter ISO 3166-2 country code	Should be `AU`

Local AUD NPP payout

This transfer method is currently under beta test and will be released soon.

Required fields	Permitted Data	Notes
`account_currency`	3-letter ISO 4217 currency code	Should be `AUD`
`account_name`	2-200 characters	Account holder name of the recipient
`account_routing_type1`	One of `bsb`, `phone_number`, `email_address`, `australian_business_number`, or `organisation_identifier`	See in the table below for definitions
`account_routing_value1`	Definition depends on `account_routing_type1`; see in the table below
`account_number`	4-9 digits	Only required when `account_routing_type1` is `bsb`
`bank_country_code`	2-letter ISO 3166-2 country code	Should be `AU`

When paying AUD locally via NPP (the New Payments Platform), besides providing a set of local bank account details for the beneficiary, you can also pay to PayIDs registered with local banks. The different types of NPP PayIDs can be selected by specifying the account_routing_type1 parameter.

See the table below for the supported value options for account_routing_type1, along with their recpective information requirement for the account_routing_value1 parameter.

Account routing type 1 value	Account routing value 1 definition	Note
`bsb` (default value when the parameter is not specified)	A 6-digit Australia BSB (Bank-State-Branch) code that identifies bank branches in Australia	`beneficiary.bank_details.account_number` is also required
`phone_number`	An Australian phone number in the format of `+61-nnnnnnnnn` as registered with the bank; `nnnnnnnnn`should be a 9-digit phone number, or a 10-digit phone number with a leading `0`	Paying to a phone number PayID. Account number not required
`email_address`	A avlid email address as registered with the bank	Paying to an email PayID. Account number not required
`australian_business_number`	A 9 or 11-digit Australian Business Number (ABN) as registered with the bank	Paying to an ABN PayID. Account number not required
`organisation_identifier`	An NPP Organisation ID as registered with the bank, up to 256 characters	Paying to an organization ID PayID. Account number not required

Local AUD BPAY payout

Required fields	Permitted Data	Notes
`account_currency`	3-letter ISO 4217 currency code	Should be `AUD`
`account_name`	2-200 characters	Account holder name of the recipient’s bank account
`account_routing_type1`	`bpay_biller_code` only	Unique number registered on BPAY to identify a biller
`account_routing_value1`	Up to 10 digits
`account_routing_type2`	`bpay_customer_reference` only	Customer Reference Number (CRN): unique number that the biller uses to identify your account, or your invoice
`account_routing_value2`	Up to 20 digits
`bank_country_code`	2-letter ISO 3166-2 country code	Should be `AU`

BPAY validation

Airwallex supports bill payment validation via direct integration with BPAY®. E.g. if the payment amount specified does not match the bill amount and is not accepted by the Biller, Airwallex will return field validation errors in the response. See Australia BPAY® field validation errors in Error codes (051 - 059).

SWIFT payout