When is a bill paid using BPAY actually considered settled?

Money
18

OT re Vicroads and although this is not a bill payment, I sometimes have a payment to make for investment offers that accept Bpay in lieu of a form and cheque, no EFT or card option, that Very Clearly state they must receive the Bpay by 5:00PM AEST on the date, with a warning to check the bank schedule (eg send it 2 days or more prior).

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