Payment facilities refer to the methods or channels through which financial transactions are executed.

• BPAY: BPAY is an electronic bill payment system widely used in Australia. It allows individuals and businesses to pay bills conveniently through their online banking or phone banking service. BPAY payments are processed securely and efficiently, providing a convenient way to manage bills and expenses.
• Direct Debit: Direct debit is a payment method that allows businesses to withdraw funds directly from a customer's bank account to pay for goods or services. Customers authorize the business to initiate recurring payments, such as utility bills or subscription fees, on specified dates. Direct debit transactions are processed automatically, providing a convenient and hassle-free way to make payments.
• Direct Credit: Direct credit, also known as bank transfer or electronic funds transfer (EFT), is a payment method that allows funds to be transferred directly from one bank account to another. Individuals or businesses can initiate direct credit payments to pay invoices, transfer funds to suppliers or employees, or receive payments from customers. Direct credit transactions are processed electronically and typically settle within a few business days, providing a secure and efficient way to transfer funds.