BPOINT
BPOINT is a Sydney-based online payment gateway and receivables solution operated by Commonwealth Bank of Australia, enabling Australian merchants to accept card, wallet, and BNPL payments, process bill payments via Biller Code, and manage recurring direct debits.
- Company typePublic
- Founded2009
- HeadquartersSydney, Australia
- Headcount—
- GTM typeB2B
- OfferingSoftware
What BPOINT does
BPOINT is an online payment gateway and receivables solution wholly owned by Commonwealth Bank of Australia (CBA, ASX:CBA) and headquartered in Sydney. Founded in 2009, the platform enables Australian merchants to accept online card payments (Visa, Mastercard, American Express, JCB), process bill payments through a proprietary Biller Code system, support digital wallets (Apple Pay, Google Pay) and alternative payment methods (Afterpay, PayPal, Klarna), and run recurring billing via payment plans and direct debit requests. Technically, the platform exposes a v5 developer API at bpoint.com.au/developers/v5 for merchant self-service integration, with a payment flow that handles surcharge calculation, cardholder authentication (CVN, CAPTCHA), and scheduled payments.
The commercial model is transaction-fee-based on payment processing volume, with merchant pricing quote-based and not publicly disclosed. GTM is wholly indirect: BPOINT is sold through CommBank's business banking channels to existing CommBank merchant customers, supported via a dedicated BPOINT support line (1300 766 031), a merchant support line (1800 730 554), CommBank app messaging, and a developer self-service portal. The marketing and distribution footprint is entirely domestic Australia; there are no international markets, no third-party reseller channels, and no independent brand presence.
The strategic situation as of the most recent source is a controlled sunset for new business: CommBank has announced it is integrating a new eCommerce platform during 2026, and BPOINT (along with sibling products CommWeb and PowerBoard) is no longer available to new customers, with existing customers continuing to receive support. Qkr is the only retained legacy product in the merchant receivables family. BPOINT therefore sits in a maintenance-and-run-off posture inside CBA's broader merchant services division, with no disclosed headcount, no separately reported revenue, and no independent fundraising or M&A activity.
BPOINT firmographics
Firmographics- Name
- BPOINT
- Legal name
- Commonwealth Bank of Australia
- Website
- https://bpoint.com.au
- Company type
- Public
- Founded year
- 2009
- Operating status
- Operating
- Short description
- BPOINT is a Sydney-based online payment gateway and receivables solution operated by Commonwealth Bank of Australia, enabling Australian merchants to accept card, wallet, and BNPL payments, process bill payments via Biller Code, and manage recurring direct debits.
- Ownership category
- akta.pro rank
BPOINT industry classification
Industry- Product category
- Online Payment Gateway
- akta.pro primary industry
- Recurring Billing & Subscription Payments Enablement (FSAMACAF)
- akta.pro secondary industries
- Alternative Payment Methods (APMs) Enablement (BNPL, wallets, local methods) (FSAMACAE), Biller Direct EBPP Platforms (FSAMAJAA)
Keywords
Where BPOINT is headquartered
LocationHeadquarters
- HQ city
- Sydney
- HQ country
- Australia
- HQ region
- Oceania
Offices1 record
Markets served
BPOINT business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Infrastructure, Operations, Personnel
Revenue model
- Payment Processing Fees: BPOINT generates revenue through transaction fees charged to merchants for processing card payments and bill payments. The platform supports surcharge application to cardholders.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Standard payment processing |
| Other | Pay-as-you-go | Developer access |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels2 records
BPOINT product offering
Product offeringCore offering
BPOINT is a real-time online payment gateway and receivables solution that enables Australian merchants to accept online card and bill payments, process transactions across multiple payment methods (Visa, Mastercard, American Express, JCB, Google Pay, Apple Pay, Afterpay, PayPal, Klarna), and manage recurring payments and payment plans via direct debit. Operated by Commonwealth Bank of Australia as part of its merchant payment ecosystem.
Product overview
BPOINT is a single unified payment gateway product, also referred to as a receivables solution. It is part of Commonwealth Bank's merchant payment ecosystem alongside related products CommWeb, PowerBoard, and Qkr. However, as of 2026, BPOINT (along with CommWeb and PowerBoard) is no longer available to new customers as CommBank transitions to a new eCommerce platform. Existing customers continue to receive support. The BPOINT solution supports bill payments via Biller Code, card processing (Visa, Mastercard, American Express, JCB), digital wallets (Google Pay, Apple Pay), buy-now-pay-later options (Afterpay), PayPal, and Klarna, as well as payment plan sign-ups and direct debit requests.
Differentiator
Problem solved
Functional benefit
Products and services
- BPOINT Payment Gateway
Companies that use BPOINT
Customer profileSegments1 record
Ideal customer profiles1 record
BPOINT technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration9 records
Feature5 records
BPOINT partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core.
- Commonwealth Bank of AustraliacoreBPOINT is a subsidiary of Commonwealth Bank of Australia. CommBank has announced integration of a new eCommerce platform in 2026, with BPOINT (along with CommWeb and PowerBoard) no longer available to new customers as part of this transition. Existing customers continue to receive support.
- VisacoreIntegrated payment network partner enabling Visa card acceptance on the BPOINT payment gateway.
- MastercardcoreIntegrated payment network partner enabling Mastercard card acceptance on the BPOINT payment gateway.
- American ExpresscoreIntegrated payment network partner enabling American Express card acceptance on the BPOINT payment gateway.
- Apple PaycoreDigital wallet integration enabling Apple Pay as a payment method on the BPOINT platform.
- Google PaycoreDigital wallet integration enabling Google Pay as a payment method on the BPOINT platform.
- AfterpaycoreBuy Now Pay Later integration allowing Afterpay as a payment option for consumers on merchant sites using BPOINT.
- PayPalcoreDigital payment integration allowing PayPal as a payment method on the BPOINT platform.
Scale indicators2 records
Recent moves4 records
Expansion highlights3 records
BPOINT competitors and assessment
Company assessmentDirect peers
- Tyro Payments: Australian merchant payment provider offering EFTPOS and online payment acceptance. Comparable to BPOINT on domestic merchant payment processing, with a broader multi-channel footprint.
- Pin Payments: Australian payment gateway focused on online card acceptance for SMBs and developers. Directly comparable to BPOINT's domestic online gateway offering.
- Stripe: Global online payment gateway with developer-first APIs and broad payment method coverage. Directly comparable to BPOINT on core online card processing, developer integration, and multi-method support.
- Adyen: Unified global payment platform serving merchants with card processing, wallets, and APMs. Comparable to BPOINT as a payment gateway/orchestration layer for online merchants.
- Airwallex: Australia-founded global payments platform covering cards, FX, and cross-border acquiring. Comparable to BPOINT on card processing infrastructure but operating across multiple geographies.
- Square (Block): Merchant payment gateway and processor for SMBs with transparent pricing and integrated software. Comparable to BPOINT on gateway-as-a-service and SMB merchant targeting.
- eWAY (Web.com): Australia-headquartered online payment gateway processing card payments for merchants. The closest domestic direct competitor to BPOINT in the Australian market.
Broad incumbents
- National Australia Bank (NAB): Major Australian bank with merchant acquiring and online payment gateway services (NAB Connect). Comparable as a bank-affiliated domestic payment gateway competitor to CommBank/BPOINT.
- PayPal: Global digital payments incumbent integrated into BPOINT as a payment method. Comparable at the platform level for online payment acceptance, though operating as a much broader payments network.
- Westpac: Major Australian bank offering merchant payment processing and online gateway services. Comparable as a bank-affiliated domestic merchant payments competitor.
Market position
Strengths3 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights5 records
Customer concentration
BPOINT financial estimates
Financial estimateRevenue estimate
Valuation estimate
BPOINT leadership team
Management profileNumber of profiles
BPOINT funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
BPOINT M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about BPOINT
What does BPOINT do?
BPOINT is a real-time online payment gateway and receivables solution that enables Australian merchants to accept online card and bill payments, process transactions across multiple payment methods (Visa, Mastercard, American Express, JCB, Google Pay, Apple Pay, Afterpay, PayPal, Klarna), and manage recurring payments and payment plans via direct debit. Operated by Commonwealth Bank of Australia as part of its merchant payment ecosystem.
Is BPOINT a public or private company?
BPOINT is a public company. It is classified as corporate owned and is currently operating.
When was BPOINT founded?
BPOINT was founded in 2009.
Where is BPOINT based?
BPOINT is headquartered in Sydney, Australia, in the Oceania region.
How does BPOINT make money?
One revenue line is on record: payment Processing Fees.
Who are BPOINT's main competitors?
Direct peers on record are Tyro Payments, Pin Payments, Stripe, Adyen, Airwallex, Square (Block) and eWAY (Web.com). Broad incumbents are National Australia Bank (NAB), PayPal and Westpac.
Does BPOINT have an API?
Yes. BPOINT offers a developer API (v5) for merchants to integrate payment processing capabilities. Developers can access documentation and integration resources at the developer portal. Developer documentation is at www.bpoint.com.au/developers/v5.
What industry is BPOINT in?
BPOINT's product category is Online Payment Gateway. Its primary akta.pro industry code is FSAMACAF, Recurring Billing & Subscription Payments Enablement, with a secondary code of FSAMACAE, Alternative Payment Methods (APMs) Enablement (BNPL, wallets, local methods).