Real-time payments tailored to your business
Discover the opportunities our solutions could unlock for your business, and what to expect when implementing them.
Solutions that scale
Whether API integration is second nature to your business or you currently prefer manual processing, our real-time payment solutions are designed to comfortably flex to the needs of different businesses – or even different areas within the same business.
Event-ready business
Your business has high payment volumes and mature technological capabilities - meaning it's APl-capable or has plans to be, and already relies on automated systems in other areas.
You need payment solutions that can keep up with high demand, run reliably at scale, and support time-sensitive events without slowing your operations down.
Real-time benefits
Scale without friction
Automate high-volume payments with real-time throughput.
Built-in protection
Reduce fraud and errors with 24/7 monitoring and verification.
Greater cash flow predictability
Improve liquidity and forecasting with real-time notification of settlement.
Live insights
Stay on top of real-time performance and exceptions via dashboards and alerts.
Implementation support
We offer access to robust tools and personalised support that make every step of the implementation process simpler, including:
- Upfront readiness assessments
- Sample files and sandbox environments
- Developer toolkits e.g. API specs, trusted frames, SDKs
- Detailed change road maps and team training
- Access to dedicated local specialists.
Next steps for your business
Find a platform and solution
Use our Online Solution Finder Tool to pinpoint options best suited to your business needs.
Plan for implementation
Access detailed information on implementing real-time payments in your business to help you prepare.
Find the right solution fast
Frequently asked questions
Real-time payments move money between bank accounts within seconds, 24/7. For businesses, this means instant cash flow visibility, faster order fulfilment, reduced reconciliation delays, and the ability to offer customers immediate confirmations and refunds. Real-time payments also support richer data, helping you automate workflows and make smarter decisions.
Westpac provides end-to-end support, including readiness assessments, implementation guidance, developer toolkits, API integration options, portal-based options, and tailored playbooks for receivables and payables. With dedicated experts and always-on technical support, we help you adopt real-time safely and at your own pace.
We offer a full suite of real-time solutions to suit your business' needs, such as PayID Biller and PayTo for receivables (facilitated by our in-house platform, QuickStream), and Bulk Osko and Osko Flex for payables (facilitated by our in-house platform, PaymentsPlus). Whether you prefer simple portal-based or batch workflows or API-driven automation, we provide flexible pathways to help you collect, reconcile, and settle payments faster.
The real-time validation that all payments are subject to helps reduce errors, disputes, and the risk of payments being sent to the wrong account. In addition, our real-time payment solutions are protected by enterprise-grade security, including bank-level authentication, PCI DSS and ISO27001-certified systems, scam prevention tools such as Westpac Verify with Confirmation of Payee, and continuous monitoring.