DEFT is a payment system that makes it easy for people to pay you, and for you to automatically reconcile payments as you receive them.
Payment options include:
Note: Card payments will cease from 1 October 2026.
®BPAY is registered to BPAY Pty Ltd ABN 69 079 137 518, and PayID is a registered trade mark of NPP Australia Ltd ABN 68 601 428 737.
If you’d like access to DEFT, you need to have a Macquarie Business Banking account. To find out more about DEFT and our Business Banking services please reach out to your relationship manager or call us on 1800 620 673 (+61 2 8550 5603 if calling from overseas).
It’s important to note:
Fees and charges may apply for DEFT and can differ per payment channel.
For an outline of DEFT fees, or confirmation of your current DEFT fees, please reach out to your relationship manager or call us on 1800 620 673 (+61 2 8550 5603 if calling from overseas).
A DRN is a unique reference number that is linked to a Macquarie account and is allocated to your customer (payer) by you (biller).
By using a DRN, DEFT will automatically recognise which of your accounts the payment needs to go to, regardless of your payers’ choice of payment method. Unlike a bank transfer, they don’t need to enter a description or reference when they pay. If your payer uses the correct DRN, there’s no risk of unrecognised payments or payments being sent to the wrong account.
For more information on DRNs read the relevant section below.
To order a DRN via Macquarie Business Online:
Orders placed by 3:00pm (Sydney time) will be processed the same business day and will be active from the next business day.
If you’re ordering a DRN for an account for the first time, you won’t be able to do so from 10:30pm to 3:00am (Sydney time).
You can download DRNs linked to a particular account via Macquarie Business Online.
Your file will be automatically downloaded to your downloads folder. The information will be produced in a .CSV file format which will contain the following information for each DEFT reference number linked to that account:
Please note the file will show entries going from the most recent to the oldest references linked to your account.
To make a payment at Australia Post, you need to provide your customers with an invoice or other document containing a DEFT-formatted barcode. This can be generated by most DEFT-integrated business management software. Note, payments can’t be made with the DEFT reference number alone.
For more information on how to generate barcodes, please reach out to your relationship manager or call us on 1800 620 673 (+61 2 8550 5603 if calling from overseas).
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