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BPY/FAC. Bill Payment (Phone, Hydro, Cable, Fuel, Utility) ; BUS/ENT. Business Pre-Authorized Payment ; ** MSP. Transaction from. Transaction Codes are defined three digit codes used by a Payment Originator to identify a payment. BPY/FAC. IAP/PAI. WBP/CE. APY/PAA. When creating a payment group, you must enter a default CPA code. The authorized CPA transaction codes are listed in the table below.