Accept and pay out via the NPP in Australia
Australia’s New Payments Platform gives every bank instant 24/7 transfers with human-friendly PayID addressing (mobile, e-mail, ABN) — the rail behind Osko. For merchants it means card-free checkout and instant payouts across the country.
NPP (PayID / Osko) at a glance.
The essentials of Australia’s payment infrastructure — what it is, who runs it, and how fast money actually moves.
| Rail | NPP — instant interbank (Osko overlay) |
| Operator | NPP Australia |
| Clearing | Seconds, final |
| Availability | 24/7/365 |
| Identifiers | PayID (mobile, e-mail, ABN, org name), BSB + account |
| Currency | AUD |
Collecting and paying out.
Both directions of the flow, on one balance.
Pay in · NPP (PayID / Osko)
Pay-in flow: present PayID details or a NPP-enabled transfer instruction; the customer pays from their banking app and funds land as a final credit in seconds. Strong fit for B2B invoices, deposits and high-value checkout where cards are clunky.
Pay out · NPP (PayID/Osko)
Payout flow: disburse AUD by PayID or BSB/account number around the clock — marketplace sellers, contractors and refunds settle instantly, including weekends.
Settle to stablecoin treasury.
Keep your AUD balance for local spend, or convert to USDT / USDC and withdraw on-chain — the corridor where stablecoin settlement usually pays for itself.
One balance, two worlds
Settlement angle: collect AUD and settle to USDT/USDC for global treasury, or keep AUD for local obligations — one balance, documented conversion, no correspondent hops.
Payout rails covered
NPP (PayID/Osko), direct entry, BPAY. Disburse from the same balance you collect into — no separate funding wires.
Common questions.
What is a PayID?
A human-friendly alias (mobile number, e-mail, ABN or organisation name) linked to a bank account — payments address the alias instead of a BSB/account pair.
Is NPP really instant on weekends?
Yes — the platform runs 24/7/365, which is why Australian platforms use it for round-the-clock payouts.
What is Direct Entry for?
Batched credits and debits on business-day cycles — useful for scheduled bulk payouts; instant NPP handles everything urgent.
Every market, one integration.
Collect AUD locally and settle globally — or add any other corridor from the same balance.
Brazil · Pix
Local collections and payouts via Pix — settle to USDT / USDC or fiat.
India · UPI
Local collections and payouts via UPI — settle to USDT / USDC or fiat.
Philippines · GCash / Maya & InstaPay
Local collections and payouts via GCash / Maya & InstaPay — settle to USDT / USDC or fiat.
Indonesia · QRIS
Local collections and payouts via QRIS — settle to USDT / USDC or fiat.
Vietnam · MoMo / ZaloPay / VNPay & NAPAS
Local collections and payouts via MoMo / ZaloPay / VNPay & NAPAS — settle to USDT / USDC or fiat.
Thailand · PromptPay
Local collections and payouts via PromptPay — settle to USDT / USDC or fiat.
Mexico · SPEI
Local collections and payouts via SPEI — settle to USDT / USDC or fiat.
Colombia · PSE & Nequi
Local collections and payouts via PSE & Nequi — settle to USDT / USDC or fiat.
Nigeria · NIP bank transfers
Local collections and payouts via NIP bank transfers — settle to USDT / USDC or fiat.
Pakistan · Raast & JazzCash / Easypaisa
Local collections and payouts via Raast & JazzCash / Easypaisa — settle to USDT / USDC or fiat.
Kenya · M-Pesa
Local collections and payouts via M-Pesa — settle to USDT / USDC or fiat.
Argentina · Transferencias (CVU/alias)
Local collections and payouts via Transferencias (CVU/alias) — settle to USDT / USDC or fiat.
Singapore · PayNow / FAST
Local collections and payouts via PayNow / FAST — settle to USDT / USDC or fiat.
Malaysia · DuitNow / FPX
Local collections and payouts via DuitNow / FPX — settle to USDT / USDC or fiat.
Hong Kong SAR · FPS (Faster Payment System)
Local collections and payouts via FPS (Faster Payment System) — settle to USDT / USDC or fiat.
China · Alipay / WeChat Pay (cross-border)
Local collections and payouts via Alipay / WeChat Pay (cross-border) — settle to USDT / USDC or fiat.
United Kingdom · Faster Payments / Open Banking
Local collections and payouts via Faster Payments / Open Banking — settle to USDT / USDC or fiat.
European Union / SEPA · SEPA Credit Transfer & SCT Inst
Local collections and payouts via SEPA Credit Transfer & SCT Inst — settle to USDT / USDC or fiat.
United States · ACH / RTP / FedNow
Local collections and payouts via ACH / RTP / FedNow — settle to USDT / USDC or fiat.
Bangladesh · bKash / Nagad (MFS)
Local collections and payouts via bKash / Nagad (MFS) — settle to USDT / USDC or fiat.
Egypt · InstaPay / Fawry
Local collections and payouts via InstaPay / Fawry — settle to USDT / USDC or fiat.
Ghana · MTN MoMo / Telecel Cash
Local collections and payouts via MTN MoMo / Telecel Cash — settle to USDT / USDC or fiat.
South Africa · PayShap / Ozow (pay-by-bank)
Local collections and payouts via PayShap / Ozow (pay-by-bank) — settle to USDT / USDC or fiat.