CAP-008 — Bill payments & BPAY (AU)

Category	Money & payments
Business goal	Not yet linked to a business goal
Satisfying module	MOD-022 Payment processing
Mode	AUTO
BD owner	BD06 Payments
Human needed	No

Payment of utility bills, council rates, and other billers via the BPAY scheme (AU) and equivalent NZ bill payment rails. Customers enter the biller code and reference; the payment engine routes and settles the instruction. Confirmation is immediate and the transaction appears in the feed with the biller name enriched.