BPAY QR Code Generator
Generate a scannable BPAY QR code for your Australian invoices, with optional CRN check-digit validation across Mod 10 v01, Mod 10 v05, Mod 11 and Mod 11 v10. Free, browser-only — no biller codes or CRNs leave your device.
Shape of the data pixels.
Shape of the 3 finder patterns.
Inner dots inside corners.
Overall shape of the QR code.
Pre-styled designs for specific use cases. Applies colors, shapes, frame & CTA in one click.
One-click color themes. You can further customise after picking a preset.
Keep strong contrast between foreground and background for reliable scanning.
Place a logo at the center of the QR code. Error correction is automatically set to High when a logo is added.
Wrap the QR code in a frame with optional text to encourage scanning.
Text displayed on the frame (e.g. "Scan Me", "Get Discount", "View Menu").
Pixel dimensions. Larger = better for print.
Higher = more resilient. Use H with logos.
Your QR code will appear here
Start typing to generate your QR code
How It Works
Enter your biller code and CRN
Your BPAY biller code is a 3 to 7 digit number issued through your bank. The customer reference number (CRN) — typically 2 to 20 digits — identifies the invoice or account being paid. Both are mandatory; everything else is optional.
Choose a CRN check-digit method
If your biller uses fixed or sequential CRNs, leave validation off. Otherwise, pick the algorithm your bank specified — most commonly Mod 10 v01 (Luhn) or Mod 10 v05. The generator recomputes the trailing digit and warns you if it doesn't match, so you catch typos before printing.
Set the amount, or leave it open
Enter a fixed AUD amount up to $999,999.99 to lock the payment value, or tick the open-amount box so the payer enters the sum in their banking app. The amount segment is then omitted from the QR entirely — useful for donation tins, charity events, and variable invoices.
Download and print
The QR generates instantly in your browser. Download as PNG, SVG, or PDF, and place it on invoices, statements, or shopfront signage. Always print the biller code, CRN, and amount in plain text beside the QR — payers whose banking app doesn't scan BPAY QRs natively can still pay manually.
The BPAY QR Specification
Encoded Payload
This generator emits a URL-style payload prefixed with the BPAY scheme. Numeric keys identify each field: 1= biller code, 2= CRN, 3= amount in dollars and cents. The payload is shown in the preview so you can verify exactly what's encoded — handy for technical reviewers or accountants.
Amount Format
Amount is encoded as a plain decimal in AUD — for example 3=42.50. Leading-zero biller codes are preserved exactly as you typed them. The amount segment is omitted entirely when no amount is set, producing an open-amount QR that lets the payer choose how much to pay.
Error Correction
QR error correction is set to medium (M) by default — the same level recommended for printed invoices, where small smudges or folds shouldn't break the scan. Higher correction levels (Q, H) produce denser QRs; lower (L) produces a smaller QR but is more fragile. Customise from the design panel below the form.
Plain-text Fallback
Because not every Australian banking app scans BPAY QR codes natively, every BPAY QR should be printed alongside the human-readable biller code, CRN, and amount. The invoice block on your statement template should reflect this — the QR is an accelerator, not a replacement, for the standard BPAY pay-by-reference flow.
CRN Check Digits, Explained
A CRN check digit is a single digit appended to the customer reference number that's mathematically derived from the digits before it. If a payer mis-keys one digit, the algorithm reports a mismatch and the bank rejects the payment before it submits — saving an awkward reconciliation later. Different billers use different algorithms; the bank assigns yours when you register as a BPAY biller.
Mod 10 v01 (Luhn)
The same algorithm used to validate credit-card numbers. Walking right to left across the body of the CRN, every second digit is doubled (and reduced if it exceeds 9), then the sum is taken modulo 10. The check digit makes the total a multiple of 10. Widely used for sequential invoice CRNs.
Mod 10 v05
A variable-weighting variant. From right to left across the body, digits are multiplied by the cycling weights 3, 7, 1, 3, 7, 1 and so on. The sum is taken modulo 10, and the check digit is whatever brings the total to the next multiple of 10. Common for billers with longer CRNs.
Mod 11 and Mod 11 v10
Less commonly used variants with weights cycling 2 to 7 from the right. Mod 11 sets the check digit to (11 minus sum mod 11), occasionally producing an "X" case where no single digit works. Mod 11 v10 sidesteps that by using sum mod 10 instead. Confirm with your biller before using these — the wrong algorithm prints unscannable QRs.
Want to check a CRN by itself?
The standalone BPAY CRN check digit calculator takes a CRN, runs all five algorithms, and tells you which (if any) it passes — useful for accountants and invoicing-software developers debugging a single reference number.
Australian Banking App Support
BPAY is deeply integrated into Australian online and mobile banking, and many app versions recognise BPAY QR codes directly in-app — but support is not guaranteed for every institution or app version. CommBank's in-app scanner is the most widely confirmed; for others, payers may need to use the device camera and tap the BPAY result, or open the BPAY payment screen manually and key in the biller code and CRN shown beside the QR. Always print the biller code and CRN beside the QR so payment is possible regardless of scanner support.
If you've confirmed BPAY QR scanning in another Australian banking app, please let us know — we keep this section honest rather than aspirational.
Frequently Asked Questions
What is a BPAY QR code?
A BPAY QR code is a 2D barcode that, when scanned by a supporting Australian banking app, pre-fills a BPAY payment with the biller code, customer reference number (CRN), and optionally the amount. It removes the need for a payer to type long CRNs from a paper invoice.
Which Australian banking apps support scanning BPAY QR codes?
BPAY is deeply integrated into Australian online and mobile banking, and many app versions recognise BPAY QR codes directly in-app. Support is not guaranteed for every institution or app version. CommBank's in-app scanner is the most widely confirmed; for other banks, payers may need to use the device camera and tap the BPAY result, or open the BPAY payment screen manually and key in the biller code and CRN shown beside the QR. Always print the biller code and CRN beside the QR so payment is possible regardless of scanner support.
Do I need to be a registered BPAY biller to generate a QR code?
Yes. BPAY biller codes are issued by BPAY through your bank — you can't make one up. You must apply through your business bank to become a BPAY biller before payers can pay you via BPAY. This generator simply encodes a biller code you already hold; it does not register you as a biller.
Can I include the payment amount in the QR code?
Yes. Enter the amount in AUD (up to $999,999.99) and it will be encoded into the QR. To let the payer enter their own amount in their banking app — useful for donations or variable invoices — tick the "let the payer enter the amount" box. The amount segment is then omitted entirely.
What is a CRN and why does it have a check digit?
The CRN, or customer reference number, identifies the specific account or invoice the payment relates to. Many BPAY billers append a check digit — the rightmost digit — calculated from the rest of the CRN using an algorithm such as Mod 10 v01 (Luhn) or Mod 10 v05. The check digit catches typos: if a payer mis-keys a digit, the algorithm flags it before the payment is processed. This generator validates the check digit before you print, so your invoices don't ship with broken QRs.
Is this generator free?
Yes — completely free, with no sign-up, no email gate, and no watermark. Download the generated QR as PNG, SVG, or PDF and use it on invoices, posters, or your shopfront.
Does qrsansar.com store my biller code or CRN?
No. Generation is 100% client-side — the biller code, CRN and amount never leave your browser. There are no analytics calls or telemetry tied to the BPAY form. You can disconnect from the internet after the page loads and the generator will continue to work offline.
Can I print the BPAY QR on an invoice?
Absolutely — that's the most common use. Place the QR near the BPAY payment block on your invoice template, and always print the biller code, CRN, and amount in plain text beside it. Plain-text fallback means the invoice still works for payers whose app doesn't scan BPAY QRs natively.
Trademark and affiliation. qrsansar.com is not affiliated with BPAY Pty Ltd or Australian Payments Plus. BPAY® is a registered trademark of BPAY Pty Ltd, part of Australian Payments Plus. This tool generates QR codes that follow the publicly documented BPAY QR specification. To accept BPAY payments you must be a registered BPAY biller — contact your bank to apply.
Privacy. Everything happens in your browser. No biller codes, CRNs or amounts are sent to qrsansar.com or any third party.