New Payments Platform (NPP)

Delivering fast, versatile, and data-rich payments for consumers, businesses, and government agencies.

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Unlock the future of payments today

With real-time solutions like PayTo® for efficient payment collections, PayID® for simplified payments, and Osko® for speedy payments to beneficiaries, NPP is your go-to for fast and reliable payments within Australia.

PayTo

Initiate real-time payments directly from your customers' bank accounts, providing greater control and visibility over transactions. 

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PayID Biller

Simplify your collections by using intuitive PayIDs as a real-time alternative to BPAY®.

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Osko

Transfer funds quickly and securely to your suppliers and beneficiaries with single and bulk real-time payments.

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Benefits for your business

Speed

Make and receive payments in real time, ensuring funds are available to the recipient almost immediately.

24/7 availability

Process transactions at any time, even outside normal banking hours, for maximum convenience.

Fraud and Scam Protection

Westpac Verify with Confirmation of Payee is designed to help enhance protection against Business Email Compromise (BEC) scams and mistaken payments.

Working capital benefits

Improve cash flow with faster receipt and settlement of collections and just-in-time payments to suppliers.

Data enrichment

Send and receive richer remittance information in real time to support faster reconciliation.

Integrated payable and receivable solutions 

Westpac offers fully integrated platforms for payments and receivables ready for the real-time transition to NPP.

Corporate Online

  • Receive Osko payments to your eligible accounts and make Osko payments to eligible BSB and account numbers and registered PayIDs. 
  • Set up a PayID for an eligible account and receive Osko payments to your PayID. 
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QuickStream

  • Send PayTo agreements to customers, migrate existing Direct Debit arrangements, and initate PayTo payments using QuickStream’s API suite or in bulk using QuickBatch.
  • Create unique Biller PayIDs for customers or payments and auto-match expected payments.
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PayWay

  • Use a hosted online solution to set up onetime or recurring PayTo agreements.
  • Integrate PayTo into a trusted frame or your systems using PayWay API.
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PaymentsPlus

  • Process single and bulk Osko transactions to your suppliers and beneficiaries using their BSB and account or PayID.
  • Check the account details for new payees using Westpac Verify.
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Benefits for your customers, suppliers and beneficiaries 

Ease of use

Make or receive payments in online banking using PayIDs, eliminating the need to use or share account details. This simplicity can enhance user experience, encouraging more frequent use and building customer loyalty.

Enhanced security

Enjoy robust security measures that protect against fraud and unauthorised transactions, such as PayTo’s agreement authorisation process. This security builds trust with consumers, reducing the risk of fraud-related losses for businesses.

Payer and beneficiary satisfaction

Faster Osko payments mean faster access to funds for suppliers and beneficiaries, improving their cash flow. For payers, a seamless and efficient digital payment process can enhance customer experience.

Frequently asked questions

What NPP services are available to corporate and institutional customers?

A full suite of NPP services, including Osko, PayTo and PayID services are available to our institutional customers. You can receive fast Osko payments to your eligible accounts and make Osko payments to eligible BSB and account numbers and registered PayIDs, such as mobile numbers, ABNs (including ACNs, ARBNs & ARSNs), phone numbers, email addresses, and organisation IDs. 

PaymentsPlus enables you to process single and bulk Osko payments to BSB and accounts or PayIDs. 

Through QuickStream, you can pull payments from customers’ accounts using PayTo.

To make Osko payments, you can select the Osko option from the menu options in Corporate Online. Alternatively, you can submit single or bulk payments to your beneficiaries from Westpac’s PaymentsPlus payables platform.

You can find a list of NPP-reachable Westpac accounts here.

As NPP payments are new transaction types and can carry additional data, your bank account statements may look different for these transactions. You may wish to review your current reconciliation processes to determine any impacts from real-time transactions.

Things you should know

  • Payments and registration of a PayID may take longer in some instances, such as where there is a technical interruption to the service, there is a payment to a first-time payee or when the payment is caught for additional security screening.
  • The PayID types available to you may vary depending on your customer profile.
  • PayID Biller is available for implementation initially in QuickStream (Sep 2025) and coming soon to PayWay.
  • BPAY and Osko are registered trademarks of BPAY Pty Ltd ABN 69 079 137 518.
  • PayTo and PayID are registered trademarks of NPP Australia Limited. 

PayID Biller: Next big leap in the real-time revolution

October 10 2025 5 mins

The latest development in real-time payments with the launch of PayID® Biller is now bringing unique advantages to Westpac corporate and institutional customers. Here’s how.

Next generation defence: Safer solutions in real time

August 29 2025 5 mins

As money moves faster in the payments system, so do the security tools that keep customers’ funds safe. Peta O’Brien, Head of Client Engagement in Westpac’s Global Transaction Services, explains the bank’s pre-emptive approach to scam-busting and more.

Unlocking the real-time advantage: Why the shift from BECS to NPP is a strategic imperative

August 14 2025 8 mins

In the coming years, Australia will undergo the most significant change to the payments landscape in 30 years, with the transition from cheques and direct entry to digital real-time payments. The shift from legacy to the New Payments Platform (NPP) is not merely a technical upgrade – it represents a fundamental reimagining of how organisations create value.