Feature Metric	Daily Limit (Unlinked Accounts / BSB)	BPAY Limit (Bill Payments)
Payment Identifier	BSB & Account Number, PayID, or Mobile Number	BPAY Biller Code & Customer Reference Number (CRN)
Standard App Max Cap	Up to $20,000 per day	Up to $100,000 per day
Absolute Bank Max Cap	Up to $100,000 per day (Requires special approval)	Up to $2,000,000 per day (For high-volume billers)
Primary System Use Case	Paying friends, buying items on marketplace, private sales	Paying tax bills (ATO), electricity, rent, tuition
Fraud Risk Profile	Higher (Target for social engineering & scams)	Lower (Restricted to verified, registered organizations)

Feature Metric	Daily Limit (Unlinked Accounts / BSB)	BPAY Limit (Bill Payments)
Payment Identifier	BSB & Account Number, PayID, or Mobile Number	BPAY Biller Code & Customer Reference Number (CRN)
Standard App Max Cap	Up to $20,000 per day	Up to $100,000 per day
Absolute Bank Max Cap	Up to $100,000 per day (Requires special approval)	Up to $2,000,000 per day (For high-volume billers)
Primary System Use Case	Paying friends, buying items on marketplace, private sales	Paying tax bills (ATO), electricity, rent, tuition
Fraud Risk Profile	Higher (Target for social engineering & scams)	Lower (Restricted to verified, registered organizations)

Feature Metric	Daily Limit (Unlinked Accounts / BSB)	BPAY Limit (Bill Payments)
Payment Identifier	BSB & Account Number, PayID, or Mobile Number	BPAY Biller Code & Customer Reference Number (CRN)
Standard App Max Cap	Up to $20,000 per day	Up to $100,000 per day
Absolute Bank Max Cap	Up to $100,000 per day (Requires special approval)	Up to $2,000,000 per day (For high-volume billers)
Primary System Use Case	Paying friends, buying items on marketplace, private sales	Paying tax bills (ATO), electricity, rent, tuition
Fraud Risk Profile	Higher (Target for social engineering & scams)	Lower (Restricted to verified, registered organizations)

Feature Metric	Daily Limit (Unlinked Accounts / BSB)	BPAY Limit (Bill Payments)
Payment Identifier	BSB & Account Number, PayID, or Mobile Number	BPAY Biller Code & Customer Reference Number (CRN)
Standard App Max Cap	Up to $20,000 per day	Up to $100,000 per day
Absolute Bank Max Cap	Up to $100,000 per day (Requires special approval)	Up to $2,000,000 per day (For high-volume billers)
Primary System Use Case	Paying friends, buying items on marketplace, private sales	Paying tax bills (ATO), electricity, rent, tuition
Fraud Risk Profile	Higher (Target for social engineering & scams)	Lower (Restricted to verified, registered organizations)