Biller Code is a unique number to identify a JomPAY Biller. Ref-1 is a unique number used by your Biller to identify your account. Ref-1 could be either fixed or changeable as required by a Biller. In most cases, Ref-1 is fixed.
For every JomPAY biller, there will be a standard Biller Code (BC) and Recipient Reference Number (Ref-1) printed on all bills. If additional Reference Number (Ref-2) is required, it will also be displayed on the bills also.