We’ve updated the Pay by Bank help content and onscreen guidance to make it clearer for customers how to pay to a PayID when completing their payment in their banking app or online banking. The guidance now more explicitly explains that customers need to choose PayID type - email address when making the payment, rather than selecting other available PayID options such as Org ID or ABN. This change benefits payers by giving them clearer, more practical instructions at the point of payment, helping them choose the correct PayID type and avoid confusion in their banking app.

Azupay have improved the Pay by Bank UX experience by automatically removing common formatting characters from BSB, account number, and PayID inputs before validation. This means customers can enter details in more familiar formats, such as adding spaces or dashes, without being blocked unnecessarily. We’ve also added logic to convert PayIDs entered with +61 into the expected local mobile format.

This benefits payers by making the payment experience more intuitive. It also helps clients and internal teams by reducing avoidable validation errors, lowering payment friction, and helping more customers complete their payment successfully.

We’ve introduced support for .dat batch files so clients can submit bulk disbursement instructions via SFTP for automated payments processing. Our solution validates the file structure, validates individual records, and generates status response files to show whether the file has been received, processed, or rejected.

This is a meaningful improvement for our clients who need to pay refunds, rebates, or compensation to customers at scale. It creates a more efficient and structured way to manage bulk outbound payments, while reducing reliance on slower and more manual disbursement methods.

We’ve introduced configurable end date behaviour for once-off PayTo agreements in the Pay By Bank UX, giving merchants greater control over how agreements are displayed to customers in their banking app.

By default, once-off PayTo agreements will now be created with 'end date' of the agreement = 'start date'.

This ensures agreements are presented as true “once-off” arrangements in banking apps and online banking, improving payer confidence at the approval step.

Merchants can override this default behaviour via configuration, allowing a custom agreement duration where required by setting agreement duration in days. (Please raise an Azupay service desk ticket if you would like to request a different agreement duration configuration for once-off PayTo agreements)

We’ve added a new Description field in Test Bank when making payments via BSB & Account Number, allowing clients to better simulate real banking experiences and test reconciliation flows.

When navigating to the Pay with BSB tab in Test Bank, users can now enter:

• BSB
• Account Number
• Description

Where webhooks are configured, the submitted description value is now included in the payment webhook payload, enabling end-to-end reconciliation testing

We’ve updated the payment confirmation screen on the Pay by Bank UX to proactively inform payers when an incorrect PayID payment is automatically returned and may take up to ~5 minutes to appear back in their account

This change applies to payments that are auto-returned by Azupay and does not related to merchant-initiated refunds).

This new refund message is displayed when:

• A single-use payment request receives an underpayment or overpayment and is auto-returned
• A multi-payment request receives an overpayment and the excess amount is auto-returned

To ensure more consistent request validation (and clearer error handling), we’ve updated the Account Check API input validation rules for the accountName field

Requests will now be rejected with HTTP 400 (Bad Request) when accountName is:

• a single character (e.g. "a")
• blank / whitespace-only (e.g. " ")
• includes leading or trailing spaces (e.g. " ddd ")

Where validation fails, the response includes a structured failure reason (including a failure code) to make it easier to identify the exact issue and handle errors predictably.

Refer to this file specification for further details: https://developer.azupay.com.au/reference/post_accountcheck

Multi-factor authentication (MFA) is now available to be enabled for user login access to the Azupay dashboard to improve account security. MFA helps protect account access by requiring a one-time code from an authenticator app, in addition to username and password. This reduces the risk of unauthorised access and supports industry best-practice security standards.

Once enabled for your company - users on their next login will be prompted to set up one time code access to the Azupay dashboard with an authenticator app (e.g. Microsoft Authenticator / Google Authenticator) on a chosen mobile device.

Azupay are planning a rollout of MFA for Azupay dashboard users, and we will be in contact with you to commence rollout plans.

You can refer to this page for more information on MFA setup for Azupay dashboard accounts: https://developer.azupay.com.au/docs/multi-factor-authentication

Outbound Payment clients can now enforce daily and per-transaction payout limits to help reduce fraud exposure. If a payout transaction would exceed your configured limits, the payment API request will be rejected (HTTP 400) so you can prevent over-limit payouts from being processed.

To enforce daily payout limits or transaction limits - contact your Azupay account manager to set payout limits for your client account.

For more information on payout limits, refer to this page:
https://developer.azupay.com.au/docs/making-payments#payout-limits

Azupay's Pay by Bank checkout UX now remembers a payer’s previously used payment method and defaults to it on future transactions. If a payer has successfully completed a payment using PayTo or PayID with any Azupay merchant in the past, and the current merchant supports PayTo payments for its customers, Azupay's Pay by Bank UX will automatically land on that same payment method when a new transaction is created.

The payment method toggle remains visible, allowing payers to easily switch methods if needed, while reducing friction and improving checkout conversion.