There has been much discussion about Bpay time on the forum. It is established that a merchant’s agreement with Bpay must accept a payment as being on time if it is lodged by the sending bank’s cutoff time. That would mean that if your account was due on Monday and you lodged your Bpay by your bank’s cutoff time on the Monday the receiving merchant must accept it is on time even if they receive it days later.
You might put that to your card issuer for their response. If they claim their Bpay contract is different ask for a copy and see how it goes.
