Real-time payments solution finder

Explore real-time payments solutions for your business.

What’s your indicative transaction volume?

Are you looking for help with payables or receivables?

How would you like to manage payments?

How would you like to manage payments?

How would you like to manage payments?

Single or Bulk Osko via PaymentsPlus API

API-driven Osko payouts let your systems trigger real-time disbursements from operational events, removing manual intervention and compressing the time between decision and settlement.

Real-time status updates support full automation – updating ledgers, notifying payees and reconciling within seconds — so high-volume payout processes run cleanly at scale.

 

Benefits

  • Single or bulk payments with real-time settlement. 
  • Fully automated flows, eliminating manual processing and reducing operational friction.

Key features

  • APIs for initiating single or bulk Osko payouts and retrieving payment status. 
  • Optional Verify Payee safety add on to detect anomalies in account details before submission or a payee onboarding, reducing the chance of misdirected payments.

Use cases

  • On-demand payouts to merchants
  • Supplier payments triggered by operational events
  • Instant disbursements such as claims, rebates, or prize money.
  • “Just-in-time” payouts tied to customer lifecycle milestones. 

Enabling technology

  • PaymentsPlus API.
  • CSV or ISO 20022 file formats for bulk payments.

To confirm the suitability of this solution and next steps for your business, contact your Relationship Manager or a real-time payments expert.

Email us Learn about implementation

Osko Flex via PaymentsPlus API

Osko Flex gives your business a smoother path into real-time payments by using automatic fallback to Direct Entry (EFT) whenever an account is not supported for NPP.

Your team submits a payment file via API, and we handle all the routing behind the scenes — maximising success rates while keeping your existing workflows intact.
 

Benefits

  • A single, streamlined payables process — every payment is attempted as Osko first, with seamless fallback to Direct Entry when required.
  • No additional operational pressure — exceptions are managed by Westpac, so teams avoid adopting new workflows, manual rework, and dual-rail complexity.

Key features

  • Submit payments with an Osko Flex tag in CSV or ISO 200022 files via PaymentsPlus API 
  • Unified reporting with one consolidated response file covering both Osko and Direct Entry fallbacks.
  • No changes to workflows, approvals, or governance — preserving your existing controls and user permissions. 
     

Use cases

  • Businesses transitioning Direct Entry / EFT volumes to real-time Osko.

Enabling technology

  • PaymentsPlus API.
  • CSV or ISO 20022 file formats.

To confirm the suitability of this solution and next steps for your business, contact your Relationship Manager or a real-time payments expert.

Email us Learn about implementation

PayTo via QuickStream API

QuickStream’s API lets you embed PayTo directly into your service experience, treating agreement creation, payment initiation and real time exception handling as native in-app actions.

This gives full lifecycle control while enabling real-time activation, automated collections and clean reconciliation through webhook-driven updates.

Benefits

  • Easy UX integration with a mobile SDK and a trusted frame, embedding PayTo intuitively into customer experiences.
  • Full lifecycle control — create agreements, initiate payments, issue refunds, and respond to events.

Key features

  • Event-driven, real-time automation via native webhooks giving instant notification of agreement creation, amendments, payments, failures, and cancellations.
  • Full lifecycle agreement management and payment initiation via API manage PayTo agreements.
  • On-demand PayTo payment initiation and confirmation using pre-authorised agreements.
  • Built-in support for migrating existing DDRs to PayTo, simplifying transition at scale.
  • Centralised collection models for complex organisational structures.
     

Use cases

  • App-based subscriptions with instant activation once a PayTo agreement is approved.
  • ERP-driven collections triggered by fulfilment or usage events.
  • Account-on-file (ad-hoc) charges, with customer consent via PayTo.

Enabling technology

  • QuickStream API.
  • Webhook subscriptions.
  • Mobile SDK and trusted frames.
  • CSV reporting.

To confirm the suitability of this solution and next steps for your business, contact your Relationship Manager or a real-time payments expert.

Email us Learn about implementation

PayID Biller via QuickStream API

PayID Biller gives you a real-time alternative to BPAY. Payments settle in real-time, enabling faster cash allocation, immediate customer communication and event-driven operational updates.

This reduces friction across billing, checkout and collection flows — especially where confirmation and receipting speed matter.

Benefits

  • Repurpose an existing customer reference as your PayID identifier minimising change and easing reconciliation.
  • Real-time notifications allow you to speed up operational and service outcomes.
  • Streamlined partial and full refunds with a single click. 

Key features

  • A mobile SDK enabling you to easily embed PayIDs into your customer experience.
  • Data-rich real-time transactions allowing you to reconcile quickly and easily.
     

Use cases

  • Recurring billing for government, utilities and education where BPAY is used today.
  • Investment wallets requiring fast, traceable top-ups.
  • Billing system generating standing PayIDs for customer bills and statements.
  • Account-to-account payment option in checkout flows.

Enabling technology

  • QuickStream API.
  • Webhook subscriptions.
  • Mobile SDK.
  • CSV reporting.

To confirm the suitability of this solution and next steps for your business, contact your Relationship Manager or a real-time payments expert.

Email us Learn about implementation

Bulk Osko via PaymentsPlus through iLink

This high-volume file-based SFTP route keeps your existing batch rhythms while giving your team access to near real‑time Osko payouts.

Coupled with PaymentsPlus for visibility and reconciliation, you maintain operational discipline while unlocking “now” settlement.

Benefits

  • Payroll or supplier payments that require real-time settlement.
  • CSV/ISO 20022 file compatibility enabling your team to work with familiar tools and ensuring only low, incremental change.

Key features

  • File submission via iLink (SFTP) to PaymentsPlus for near real‑time payouts.
  • Payment status returned in a response file through SFTP to support reconciliation and audit trails.
  • Optional Verify Payee safety add on to detect anomalies in account details before submission or at payee onboarding, reducing the chance of misdirected payments.
     

Use cases

  • Payroll or supplier payments that require real-time settlement.
  • Bulk refunds following billing corrections or service adjustments.
  • Grants or benefit programs with time-sensitive disbursements.

Enabling technology

  • PaymentsPlus with iLink connection (SFTP) for high-volume file submission and receipt of response files.
  • CSV exports for status and settlement reporting.

To confirm the suitability of this solution and next steps for your business, contact your Relationship Manager or a real-time payments expert.

Email us Learn about implementation

Osko Flex via PaymentsPlus through iLink

Osko Flex enables organisations to send high‑volume Osko payments through a file, delivering payments in real time where the beneficiary account is NPP‑reachable.

Where real‑time delivery isn’t possible, the payment automatically falls back to Direct Entry - ensuring successful completion without rework or parallel processing.

Benefits

  • Real‑time payments to suppliers and customers, where available.
  • Automatic fallback to Direct Entry for non‑NPP accounts.
  • Single, streamlined payables process with reduced exception handling.

Key features

  • Bulk payment files submitted via iLink (SFTP).
  • Smart routing between Osko and Direct Entry.
  • Response files returned through iLink (SFTP)
  • Compatible with existing CSV or ISO 20022 formats.

Use cases

  • Payroll or pension payments.
  • Refunds, particularly when replacing cheques.
  • Organisations wanting Osko benefits without changing existing processes.

Enabling technology

  • PaymentsPlus with iLink connection (SFTP) for high‑volume file submission and receipt of response files.
  • Osko with automatic Direct Entry fallback i.e. Osko Flex.

To confirm the suitability of this solution and next steps for your business, contact your Relationship Manager or a real-time payments expert.

Email us Learn about implementation

PayTo via QuickBatch

QuickBatch lets you manage PayTo at scale through file-based workflows, keeping your existing batch cadence while gaining real-time settlement on each collected payment.

You can create or migrate agreements in bulk (Coming Soon), run scheduled collections, and receive status-level visibility without altering established operational rhythms.

Benefits

  • Real-time settlement on collection, while preserving your batch-based workflows.
  • Bulk PayTo agreement creation or migration using existing files (Coming Soon).

Key features

  • File-based agreement creation and migration of existing Direct Debit arrangements (Coming soon).
  • PayTo payment runs initiated through batch files.
  • Lifecycle controls covering retries, refunds and CSV reporting.
  • Optional webhooks for event notifications, should you choose to combine batch processing with automation.
     

Use cases

  • Recurring invoicing or billing cycles 
  • Policy and subscription portfolios requiring bulk agreement updates.
  • Scalable, mass migration of existing Direct Debit arrangements to PayTo.

Enabling technology

  • File formats: CSV2, ISO 20022 or flat files 
  • Upload via API or iLink (SFTP) 
  • Response files for reconciliation and reporting
  • Optional webhooks 

To confirm the suitability of this solution and next steps for your business, contact your Relationship Manager or a real-time payments expert.

Email us Learn about implementation

Bulk Osko via PaymentsPlus Portal

The real-time nature of Osko means payments leave your account when you decide and hit your customers’ accounts faster making the experience feel seamless.

Pair that with Portal-based access to our PaymentsPlus platform and transform your team’s ‘next day’ decisions to ‘now’ decisions.

 

Benefits

  • Real-time payouts — Real time payouts – make time-sensitive payments to suppliers/customers.
  • No integration — get operational quickly with staff-led controls.
  • Simplified auditing — CSV exports for finance reconciliation and compliance.

Key features

  • Browser-based - send payout files
  • User roles & approvals for payables governance.
  • Downloadable transaction reports with status and references.
  • Optional Verify Payee safety add-on — reducing mistaken payments and Business Email Compromise (BEC), and providing staff with instant verification outcomes.

Use cases

  • Routine payments where speed matters
  • Critical supplier payments
  • Urgent refunds after service failures or booking changes

Enabling technology

  • PaymentsPlus Portal (staff login; role-based authorisation).
  • CSV file preparation and uploads for high-volume payments.
  • CSV exports for reconciliation and reporting.

To confirm the suitability of this solution and next steps for your business, contact your Relationship Manager or a real-time payments expert.

Email us Learn about implementation

Osko Flex via PaymentsPlus Portal

Osko Flex enables organisations to send high‑volume Osko payments through a file, delivering payments in real time where the beneficiary account is NPP‑reachable.

Where real‑time delivery isn’t possible, the payment automatically falls back to Direct Entry - ensuring successful completion without rework or parallel processing.
 

Benefits

  • Real‑time payments to suppliers and customers, where available.
  • Automatic fallback to Direct Entry for non‑NPP accounts.
  • Single, streamlined payables process with reduced exception handling.

Key features

  • Bulk payment files submitted via PaymentsPlus Portal
  • Smart routing between Osko and Direct Entry.
  • Downloadable transaction reports with status and references.
  • Compatible with existing CSV or ISO 20022 formats.

Use cases

  • Payroll or pension payments.
  • Refunds, particularly when replacing cheques.
  • Organisations wanting Osko benefits without changing existing processes.

Enabling technology

  • PaymentsPlus Portal
  • CSV payment file
  • Osko with automatic Direct Entry fallback i.e. Osko Flex.

To confirm the suitability of this solution and next steps for your business, contact your Relationship Manager or a real-time payments expert.

Email us Learn about implementation

PayTo via QuickTerminal

The real-time nature of PayTo improves payment certainty – meaning faster settlement and faster service outcomes.

Pair that with QuickTerminal — the no‑integration Portal for our receivables platform, QuickStream — and staff will have a guided, hosted interface to set up PayTo agreements and resolve payments on the spot, accelerating the speed of arrears resolution.
 

Benefits

  • Real‑time agreement setup and payment acceptance handled directly by staff — perfect for on-call collections or high touch customer interactions.
  • No integration — enabling faster deployment and improved collection recovery cycles.
  • Ideal for one-off and ad hoc PayTo payments, not recurring billing. 

Key features

  • Guided user interface for agreements, payments, refunds, and status tracking.
  • Real-time status and receipt options, plus streamlined PayTo agreement setup for one-off payments.
     

Use cases

  • Staff-assisted real-time payments
  • One-off or ad hoc collections requiring immediate payment confirmation 
  • Counter/branch scenarios across a wide range of service environments.

Enabling technology

  • QuickTerminal (the portal interface for QuickStream).
  • CSV exports for reconciliation and reporting.

To confirm the suitability of this solution and next steps for your business, contact your Relationship Manager or a real-time payments expert.

Email us Learn about implementation

PayTo via PayWay

The real-time nature of PayTo improves payment certainty – meaning faster settlement and faster service outcomes.

Pair that with our easy-to-use PayWay platform for simple online payments. No waiting for forms, files or nightly jobs. Send PayTo agreements directly from the PayWay portal.

 

Benefits

  • Real-time collections (typically <1 minute) without building APIs.
  • Lower admin vs Direct Debit (no dishonour lag and clear statuses).
  • Smooth change-management by way of familiar hosted screens for staff.

Key features

  • One off PayTo payments on a hosted payment page for your customers.
  • Recurring PayTo agreements with set & forget schedules
  • Reporting & real-time refund available from the portal
     

Use cases

  • Subscriptions/memberships managed by front-line teams.
  • Call-centre/in-store staff initiating agreements live with the customer.
  • Organisations moving from Direct Debit with minimal change.

Enabling technology

  • PayWay Portal (role-based access).
  • PayTo recurring billing schedule in PayWay, with no build required
  • CSV exports for reconciliation and reporting.

To confirm the suitability of this solution and next steps for your business, contact your Relationship Manager or a real-time payments expert.

Email us Learn about implementation

Single or Bulk Osko via PaymentsPlus API

API-driven payouts let your systems trigger real-time disbursements from operational events, removing manual intervention and compressing the time between decision and settlement.

Real-time status updates support full automation – updating ledgers, notifying payees and reconciling within seconds — so high-volume payout processes run cleanly at scale.
 

 

Benefits

  • Single or bulk payments with real-time settlement. 
  • Fully automated flows, eliminating manual processing and reducing operational friction.

Key features

  • APIs for initiating single or bulk Osko payouts and retrieving payment status. 
  • Optional Verify Payee safety add on to detect anomalies in account details before submission or a payee onboarding, reducing the chance of misdirected payments.

Use cases

  • On-demand payouts to merchants
  • Supplier payments triggered by operational events
  • Instant disbursements such as claims, rebates, or prize money.
  • “Just-in-time” payouts tied to customer lifecycle milestones. 

Enabling technology

  • PaymentsPlus API.
  • CSV or ISO 20022 file formats for bulk payments.

To confirm the suitability of this solution and next steps for your business, contact your Relationship Manager or a real-time payments expert.

Email us Learn about implementation

Osko Flex via PaymentsPlus API

Osko Flex gives your business a smoother path into real-time payments by using automatic fallback to Direct Entry (EFT) whenever an account is not supported for NPP.

Your team submits a payment file via API, and we handle all the routing behind the scenes — maximising success rates while keeping your existing workflows intact.
 

Benefits

  • A single, streamlined payables process — every payment is attempted as Osko first, with seamless fallback to Direct Entry when required.
  • No additional operational pressure — exceptions are managed by Westpac, so teams avoid adopting new workflows, manual rework, and dual-rail complexity.

Key features

  • Submit payments with an Osko Flex tag in CSV or ISO 200022 files via PaymentsPlus API 
  • Unified reporting with one consolidated response file covering both Osko and Direct Entry fallbacks.
  • No changes to workflows, approvals, or governance — preserving your existing controls and user permissions. 
     

Use cases

  • Businesses transitioning Direct Entry / EFT volumes to real-time Osko.

Enabling technology

  • PaymentsPlus API.
  • CSV or ISO 20022 file formats for bulk payments.

To confirm the suitability of this solution and next steps for your business, contact your Relationship Manager or a real-time payments expert.

Email us Learn about implementation

PayTo via QuickStream API

QuickStream’s API lets you embed PayTo directly into your service experience, treating agreement creation, payment initiation and real time exception handling as native in-app actions.

This gives full lifecycle control while enabling real-time activation, automated collections and clean reconciliation through webhook-driven updates.

Benefits

  • Easy UX integration with a mobile SDK and a trusted frame, embedding PayTo intuitively into customer experiences.
  • Full lifecycle control — create agreements, initiate payments, issue refunds, and respond to events.

Key features

  • Event-driven, real-time automation via native webhooks giving instant notification of agreement creation, amendments, payments, failures, and cancellations.
  • Full lifecycle agreement management and payment initiation via API manage PayTo agreements.
  • On-demand PayTo payment initiation and confirmation using pre-authorised agreements.
  • Built-in support for migrating existing DDRs to PayTo, simplifying transition at scale.
  • Centralised collection models for complex organisational structures.
     

Use cases

  • App-based subscriptions with instant activation once a PayTo agreement is approved.
  • ERP-driven collections triggered by fulfilment or usage events.
  • Account-on-file (ad-hoc) charges, with customer consent via PayTo.

Enabling technology

  • QuickStream API
  • Webhook subscriptions
  • Mobile SDK and trusted frames
  • CSV reporting 

To confirm the suitability of this solution and next steps for your business, contact your Relationship Manager or a real-time payments expert.

Email us Learn about implementation

PayID Biller via QuickStream API

PayID Billers gives you a real-time alternative to BPAY. Payments settle in real-time, enabling faster cash allocation, immediate customer communication and event-driven operational updates.

This reduces friction across billing, checkout and collection flows — especially where confirmation and receipting speed matter.

Benefits

  • Repurpose an existing customer reference as your PayID identifier minimising change and easing reconciliation (wordsmith this please)
  • Real-time notifications allow you to speed up operational and service outcomes
  • Streamlined partial and full refunds with a single click. 

Key features

  • A mobile SDK enabling you to easily embed PayIDs into your customer experience 
  • Data-rich real-time transactions allowing you to reconcile quickly and easily
     

Use cases

  • Recurring billing for government, utilities and education where BPAY is used today
  • Investment wallets requiring fast, traceable top-ups
  • Billing system generating standing PayIDs for customer bills and statements
  • Account-to-account payment option in checkout flows

Enabling technology

  • QuickStream API
  • Webhook subscriptions
  • Mobile SDK
  • CSV reporting 

To confirm the suitability of this solution and next steps for your business, contact your Relationship Manager or a real-time payments expert.

Email us Learn about implementation

Bulk Osko via PaymentsPlus through iLink

This high-volume file-based SFTP route keeps your existing batch rhythms while giving your team access to near real‑time Osko payouts.

Coupled with PaymentsPlus for visibility and reconciliation, you maintain operational discipline while unlocking “now” settlement.

Benefits

  • Payroll or supplier payments that require real-time settlement.
  • CSV/ISO 20022 file compatibility enabling your team to work with familiar tools and ensuring only low, incremental change.

Key features

  • File submission via iLink (SFTP) to PaymentsPlus for near real‑time payouts.
  • Payment status returned in a response file through SFTP to support reconciliation and audit trails.
  • Optional Verify Payee safety add on to detect anomalies in account details before submission or at payee onboarding, reducing the chance of misdirected payments.
     

Use cases

  • Payroll exceptions or supplier payments that require immediate settlement.
  • Bulk refunds following billing corrections or service adjustments.
  • Grants or benefit programs with time-sensitive disbursements.

Enabling technology

  • PaymentsPlus with iLink connection (SFTP) for high-volume file submission and receipt of response files.
  • CSV exports for status and settlement reporting.

To confirm the suitability of this solution and next steps for your business, contact your Relationship Manager or a real-time payments expert.

Email us Learn about implementation

Osko Flex via PaymentsPlus through iLink

Osko Flex enables organisations to send high‑volume Osko payments through a file, delivering payments in real time where the beneficiary account is NPP‑reachable.

Where real‑time delivery isn’t possible, the payment automatically falls back to Direct Entry - ensuring successful completion without rework or parallel processing.

Benefits

  • Real‑time payments to suppliers and customers, where available.
  • Automatic fallback to Direct Entry for non‑NPP accounts.
  • Single, streamlined payables process with reduced exception handling.

Key features

  • Bulk payment files submitted via iLink (SFTP).
  • Smart routing between Osko and Direct Entry.
  • Response files returned through iLink (SFTP)
  • Compatible with existing CSV or ISO 20022 formats.

Use cases

  • Payroll or pension payments.
  • Refunds, particularly when replacing cheques.
  • Organisations wanting Osko benefits without changing existing processes.

Enabling technology

  • PaymentsPlus with iLink connection (SFTP) for high‑volume file submission and receipt of response files.
  • Osko with automatic Direct Entry fallback i.e. Osko Flex.

To confirm the suitability of this solution and next steps for your business, contact your Relationship Manager or a real-time payments expert.

Email us Learn about implementation

PayTo via QuickBatch

QuickBatch lets you manage PayTo at scale through file-based workflows, keeping your existing batch cadence while gaining real-time settlement on each collected payment.

You can create or migrate agreements in bulk (Coming Soon), run scheduled collections, and receive status-level visibility without altering established operational rhythms.
 

 

Benefits

  • Real-time settlement on collection, while preserving your batch-based workflows.
  • Bulk PayTo agreement creation or migration using existing files (Coming Soon).

Key features

  • File-based agreement creation and migration of existing Direct Debit arrangements (Coming soon).
  • PayTo payment runs initiated through batch files.
  • Lifecycle controls covering retries, refunds and CSV reporting.Lifecycle controls covering retries, refunds and CSV reporting. 
  • Optional webhooks for event notifications, should you choose to combine batch processing with automation.
     

Use cases

  • Recurring invoicing or billing cycles 
  • Policy and subscription portfolios requiring bulk agreement updates.
  • Scalable, mass migration of existing Direct Debit arrangements to PayTo.

Enabling technology

  • File formats: CSV2, ISO 20022 or flat files 
  • Upload via API or iLink (SFTP) 
  • Response files for reconciliation and reporting
  • Optional webhooks 

To confirm the suitability of this solution and next steps for your business, contact your Relationship Manager or a real-time payments expert.

Email us Learn about implementation

PayTo via QuickTerminal

The real-time nature of PayTo improves payment certainty – meaning faster settlement and faster service outcomes.

Pair that with QuickTerminal — the no‑integration Portal for our receivables platform, QuickStream — and staff will have a guided, hosted interface to set up PayTo agreements and resolve payments on the spot, accelerating the speed of arrears resolution.
 

Benefits

  • Real‑time agreement setup and payment acceptance handled directly by staff — perfect for on-call collections or high touch customer interactions.
  • No integration — enabling faster deployment and improved collection recovery cycles.
  • Ideal for one-off and ad hoc PayTo payments, not recurring billing. 

Key features

  • Guided user interface for agreements, payments, refunds, and status tracking.
  • Real-time status and receipt options, plus streamlined PayTo agreement setup for one-off payments.
     

Use cases

  • Staff-assisted real-time payments
  • One-off or ad hoc collections requiring immediate payment confirmation 
  • Counter/branch scenarios across a wide range of service environments.

Enabling technology

  • QuickTerminal (the portal interface for QuickStream).
  • CSV exports for reconciliation and reporting.

To confirm the suitability of this solution and next steps for your business, contact your Relationship Manager or a real-time payments expert.

Email us Learn about implementation

PayTo via PayWay

The real-time nature of PayTo improves payment certainty – meaning faster settlement and faster service outcomes.

Pair that with our easy-to-use PayWay platform for simple online payments. No waiting for forms, files or nightly jobs. Send PayTo agreements directly from the PayWay portal.

 

Benefits

  • Real-time collections (typically <1 minute) without building APIs.
  • Lower admin vs Direct Debit (no dishonour lag and clear statuses).
  • Smooth change-management by way of familiar hosted screens for staff.

Key features

  • One off PayTo payments on a hosted payment page for your customers.
  • Recurring PayTo agreements with set & forget schedules
  • Reporting & real-time refund available from the portal
     

Use cases

  • Subscriptions/memberships managed by front-line teams.
  • Call-centre/in-store staff initiating agreements live with the customer.
  • Organisations moving from Direct Debit with minimal change.

Enabling technology

  • PayWay Portal (role-based access).
  • PayTo recurring billing schedule in PayWay, with no build required
  • CSV exports for reconciliation and reporting.

To confirm the suitability of this solution and next steps for your business, contact your Relationship Manager or a real-time payments expert.

Email us Learn about implementation

Bulk Osko via PaymentsPlus Portal

The real-time nature of Osko means payments leave your account when you decide and hit your customers’ accounts faster making the experience feel seamless.

Pair that with Portal-based access to our PaymentsPlus platform and transform your team’s ‘next day’ decisions to ‘now’ decisions.

 

Benefits

  • Real-time payouts — Real time payouts – make time-sensitive payments to suppliers/customers.
  • No integration — get operational quickly with staff-led controls.
  • Simplified auditing — CSV exports for finance reconciliation and compliance.

Key features

  •  Browser-based - send payout files
  • User roles & approvals for payables governance.
  • Downloadable transaction reports with status and references.
  • Optional Verify Payee safety add-on — reducing mistaken payments and Business Email Compromise (BEC), and providing staff with instant verification outcomes.
     

Use cases

  • Routine payments where speed matters
  • Critical supplier payments
  • Urgent refunds after service failures or booking changes

Enabling technology

  • PaymentsPlus Portal (staff login; role-based authorisation).
  • CSV file preparation and uploads for high-volume payments.
  • CSV exports for reconciliation and reporting.

To confirm the suitability of this solution and next steps for your business, contact your Relationship Manager or a real-time payments expert.

Email us Learn about implementation

Osko Flex via PaymentsPlus Portal

Osko Flex enables organisations to send high‑volume Osko payments through a file, delivering payments in real time where the beneficiary account is NPP‑reachable.

Where real‑time delivery isn’t possible, the payment automatically falls back to Direct Entry - ensuring successful completion without rework or parallel processing.
 

Benefits

  • Real‑time payments to suppliers and customers, where available.
  • Automatic fallback to Direct Entry for non‑NPP accounts.
  • Single, streamlined payables process with reduced exception handling.

Key features

  • Bulk payment files submitted via PaymentsPlus Portal
  • Smart routing between Osko and Direct Entry.
  • Downloadable transaction reports with status and references.
  • Compatible with existing CSV or ISO 20022 formats.
     

Use cases

  • Payroll or Pension payments.
  • Refunds, particularly when replacing cheques.
  • Organisations wanting Osko benefits without changing existing processes.

Enabling technology

  • PaymentsPlus Portal
  • CSV payment file
  • Osko with automatic Direct Entry fallback i.e. Osko Flex.

To confirm the suitability of this solution and next steps for your business, contact your Relationship Manager or a real-time payments expert.

Email us Learn about implementation