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Payment Providers in Australia
Australia has high card penetration, the NPP/Osko instant payment rail, and BPAY for bill payments. PayID lets customers send via email/phone number on top of NPP. Apple Pay and Google Pay have very high adoption. RBA regulates payments; APRA covers banks. Strong fintech sector.
Osko/NPP real-time bank payments
BPAY bill payment network
Visa, Mastercard, Eftpos
AUD settlement, RBA-regulated
Key payment methods in Australia
The local rails merchants must support to convert Australia customers.
Visa & Mastercard
Universal acceptance
Osko (NPP)
Real-time bank payments
BPAY
Bill payment infrastructure
Providers supporting Australia
About payments in Australia
What is Osko and how does it differ from BPAY?
Osko runs on Australia's New Payments Platform (NPP) — instant bank-to-bank payments, settling in seconds 24/7. BPAY is the older batch-based bill payment network, primarily for utility bills and B2B. Both coexist; Osko is growing rapidly for online checkout.