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What you'll need

    • Permission to create direct credit payments
    • Bank account details of the person or business you want to pay

Create a Direct Credit payment

  1. Log on to CommBiz. Select Payables then Direct Credit. If you've got any saved templates, select Create Payment from Template and follow the steps. Otherwise:
  2. Enter the Description and select the Transaction Purpose (if enabled)
  3. Select the Process On date. To set up a recurring payment, select Recurring Schedule and choose the frequency
  4. Select the Pay From account, then enter a lodgement reference (appears on your statement) and amount
  5. Enter the Pay To details or select from the list. Enter a lodgement reference (appears on the payee’s statement), and amount
  6. Select the Trace Account. If the payment can't be processed, the money will be returned to this account. Check the Australian Payments Clearing Association (APCA) ID1 and update it if needed
  7. If you'd like to Send remittance advice2, tick the box
  8. Select Submit

Note: You can pay from and to more than one account. Select Add New Row and enter the details. The total amount in Pay From must match the total amount in Pay To.

Review & confirm

    1. Check the payment details
    2. If you haven’t paid this payee before, New payee search will appear. To learn more about this security tool, visit CommBiz NameCheck
    3. Tick the Notification boxes to receive payment updates
    4. Select Confirm. The Transaction Advice screen will display, indicating the payment is waiting for authorisation.

Authorise

  • If you have permission to authorise payments, your name will appear under Entitled Authorisers on the Transaction Advice screen. Select Enter authorisation and follow the steps.

    If you want to authorise the Direct Credit later, you can find pending authorisations on the CommBiz homepage.

Reduce false-billing scams

NameCheck is a CommBank security feature designed to reduce false-billing scams and mistaken payments.

Learn more

We're here to help

Things you should know

  • You can save a Direct Credit payment as a template. This will save all the details you enter.

    1APCA ID: Direct entry payments include a unique six-digit number which identifies individuals and companies approved by financial institutions to use the system. This number is commonly referred to as an 'APCA Number' and is issued by financial institutions. CommBank will provide a generic APCA ID or some larger organisations may be issued with their own.

    2Remittance advice: This is a letter sent by a customer to a supplier to inform the supplier that their invoice has been paid. If the customer is paying by cheque, the remittance advice often accompanies the cheque.

    This guide is published solely for information purposes. As this guide has been prepared without considering your objectives, financial situation or needs, you should consider its appropriateness to your circumstances and if necessary seek the appropriate financial advice before acting on information in this guide. Call 13 1998 or view the CommBiz Terms and Conditions.