master82,
Please check the following link
http://www.bpay.com.au/consumers/bpay/bpay_qa.aspx#qa140
It depends on the financial institution. Because on AMEX, I see the BPAY goes very next day depending on the cut off time. Anyway, please go through the above link.
pay by bpay-entitlement-do not get caught out, page-6
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