For many organisations, it’s essential payments are made for a specific amount, and by a certain date.
Which is why BPAY has developed two customer reference protocols to help businesses manage and track their customer payments.
  • The first is variable customer reference numbers (CRNs). While some businesses prefer customers to use the same CRN for every payment they make, others require customers’ CRNs to change each time a bill is paid. This is called a variable CRN.

    For instance, airlines generate virtual CRNs to match individual customer itineraries. Couriers also create variable CRNs that correspond to individual deliveries, to help track parcels
  • The second is intelligent customer reference numbers (iCRNs), which are also variable CRNs. Like variable CRNs, with iCRNs individual CRNs are created for each bill. iCRNs allow billers to fix a time by which a payment must be made, as well as the amount of the payment.

    It’s a handy feature for state-based roads and transport authorities, which require customers to pay an exact amount by a particular date for payments related to fines and licenses. Examples of these include the Department of State Growth and VicRoads, who use iCRNs to ensure they meet their legal and compliance obligations.  It’s also a popular feature with insurance companies, which need customers to pay an exact amount by a deadline, to ensure they are covered by their insurance policies.

If you’re considering using variable CRNs or iCRNs, it’s worth contacting your Financial Institution to advise you of the process.

Want to know more? Contact your Financial Institution or visit for more information.

Published by BPAY Pty Ltd.  BPAY is offered by over 150 Financial Institutions. Contact your Financial Institution to see if it offers BPAY and to get the terms and conditions. This is general advice – before using BPAY please review the terms and conditions and consider whether BPAY is appropriate for your personal circumstances.