Complex sentence: The BPAY scheme sets a wholesale fee, called the capture reimbursement fee (CRF), for BPAY payments which is payable by the biller's financial institution to the bill payer's financial institution.
Split into simpler sentences: The BPAY scheme sets an interchange fee, called the capture reimbursement fee (CRF). The fee is payable by the biller's financial institution to the bill payer's financial institution.