Australian Bulk Payment File (ABA Direct Entry, BPAY Batch or EFT Upload)

Bulk payment files prepared for upload to a bank: ABA / Cemtex Direct Entry files in the BECS fixed-width format, BPAY batch files and delimited EFT payment uploads. The ABA format has a descriptive record (type 0), one detail record per payment (type 1: BSB, account number, transaction code, amount in cents, account title and lodgement reference) and a file total record (type 7: 999-999 with net, credit and debit totals and a record count). An EFT upload is a delimited file of BSB, account and amount columns; a BPAY batch lists biller codes, customer reference numbers (CRNs) and amounts. A payment file holds many payees' bank accounts and amounts in the exact form the bank will process, so altering one line diverts a payment. This SIT anchors on the payment lines (type 1 detail records, delimited BSB/account/amount rows and labelled biller code / CRN lines), not on the type 0 header. whole-of-government-erp-payment-authorisation-file anchors on the type 0 header with ERP and authorisation context; a complete government ABA file can match both. A single set of bank details on an invoice or form does not match.

Type: regex
Engine: boost_regex
Confidence: medium
Confidence justification: Medium. The ABA type 1 detail record is a rigid 120-character layout (BSB, account field, transaction code, 10-digit amount) that rarely occurs outside payment files, and delimited rows need a hyphenated BSB beside an account number and a decimal amount. Format specifications and bank help pages reproduce worked records, so enforce tiers need a control record, header or payment-file context, and guidance framing is excluded. A delimited row can still occur in a reconciliation or supplier master extract that is not a payment file. 85/75 are heuristic evidence tiers, not measured accuracy. Test values are synthetic.
Jurisdictions: au
Regulations: Privacy Act 1988 (Cth), Information Privacy Act 2009 (Qld), Financial Accountability Act 2009 (Qld)
Frameworks: QGISCF, BECS Procedures (Australian Payments Network)
Data categories: financial, pii
Scope: narrow
Risk rating: 8
Platform compatibility: Purview: Compatible, GCP DLP: Compatible, Macie: Compatible, Zscaler: Compatible, Palo Alto: Degraded, Netskope: Unsupported

Pattern

(?i)(?:\b1\d{3}-\d{3}[ 0-9-]{9}[ NWXY](?:13|5[0-7])\d{10}[A-Z0-9&]|\b\d{3}-\d{3}[ \t]{0,2}[,|\t][ \t]{0,2}"?\d{5,10}"?[ \t]{0,2}[,|\t](?:[^\n,|\t]{1,40}[,|\t]){0,3}[ \t]{0,2}"?\$?\d{1,9}\.\d{2}\b|\bbiller\s+code[ \t]{0,3}[:#]?[ \t]{0,3}\d{3,10}[ \t]{0,3}[,|;\t]?[ \t]{0,3}(?:CRN|customer\s+ref(?:erence)?(?:\s+(?:no\.?|number))?|ref(?:erence)?(?:\s+(?:no\.?|number))?)[ \t]{0,3}[:#]?[ \t]{0,3}\d{2,20}\b)

Corroborative evidence keywords

direct entry, Cemtex, BECS, ABA file, bulk payment, batch payment, payment file, EFT file, payment run, BPAY batch, lodgement reference

Proximity: 300 characters

Should match

Direct entry file - creditor payment run 17/10/2026 (ABA) 0 01CBA HARBOURVIEW SHIRE COUNC 301500CREDITORS 171026 1012-345 22334455 500001245000TESTON PLUMBING PTY LTD INV 88120 012-345100200300HARBOURVIEW SC 00000000 1923-100100200345 500000389950RIVERBEND TESTON SUPPLIES INV 88121 012-345100200300HARBOURVIEW SC 00000000 1484-799 6677881 500000072010J TESTON REFUND 4471 012-345100200300HARBOURVIEW SC 00000000 7999-999 000170696000017069600000000000 000003 — ABA Direct Entry file - descriptive record, three detail records and file total record (85 tier)
EFT payment file - supplier run 2026-10-17 BSB,Account Number,Account Name,Amount,Reference 012-345,22334455,Teston Plumbing Pty Ltd,12450.00,INV88120 923-100,100200345,Riverbend Teston Supplies,3899.50,INV88121 484-799,6677881,J Teston,720.10,REFUND4471 File total: $17,069.60 — Delimited EFT upload with column header, three payment rows and a file total (85 tier)
BPAY batch - utilities run 15/10/2026 Biller code: 23796 CRN: 4400128813 Amount: $1,812.40 — BPAY batch line with biller code and CRN plus BPAY batch context (75 tier)
Re-keyed direct entry line for the bank: 1012-345 22334455 500001245000TESTON PLUMBING PTY LTD INV 88120 012-345100200300HARBOURVIEW SC 00000000 — Single ABA detail record with direct entry context (75 tier)

Should not match

ABA file format specification - detail record (type 1). Field positions: 1 record type; 2-8 BSB in 999-999 format; 9-17 account number; 18 indicator; 19-20 transaction code; 21-30 amount in cents. 1012-345 22334455 500001245000TESTON PLUMBING PTY LTD INV 88120 — BECS format specification with a worked record (guidance exclusion, 65 only)
Please pay this invoice by EFT. BSB 012-345 Account 22334455 Account name Teston Plumbing Pty Ltd. Amount due $12,450.00. — Single set of payee bank details on an invoice (no payment-line structure)
Payment file BSB,Account Number,Account Name,Amount,Reference — Blank EFT upload - header only
AusPayNet says the BECS direct entry framework will be wound down as payments move to the New Payments Platform. — News item about Direct Entry
unrelated generic text without domain phrases — Unrelated

Known false positives

BECS / ABA format specifications, bank help pages and software documentation that reproduce worked detail records. Mitigation: A specification / guidance exclusion (file format specification, field positions, implementation guide, user guide, help article) suppresses every enforce tier, so they stay at 65.
Supplier master or bank reconciliation extracts with BSB, account and amount columns that are not payment files. Mitigation: Without payment-file context, a control total or a payment-file header they reach at most 75 on a header; such extracts are still bank-detail bearing and warrant similar handling.
Complete government ABA files produced by an ERP payment run. Mitigation: whole-of-government-erp-payment-authorisation-file also matches these (type 0 header + ERP and authorisation context) at PROTECTED Financial; this SIT carries the generic file without ERP authorisation context.