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As a result, founders spend less time piecing together financial information and more time acting on it.",[1822],{"_key":1816,"_type":558,"externalUrl":1823,"linkType":171},"https:\u002F\u002Faspireapp.com\u002Fau",{"_key":1825,"_type":507,"children":1826,"markDefs":1831,"style":514},"k535",[1827],{"_key":1828,"_type":511,"marks":1829,"text":1830},"k534",[],"With Aspire, founders can:",[],{"_key":1833,"_type":507,"children":1834,"level":784,"listItem":785,"markDefs":1869,"style":514},"k556",[1835,1839,1843,1848,1851,1856,1860,1865],{"_key":1836,"_type":511,"marks":1837,"text":1838},"k548",[1299],"Manage day-to-day banking and spending in one place",{"_key":1840,"_type":511,"marks":1841,"text":1842},"k549",[]," with a ",{"_key":1844,"_type":511,"marks":1845,"text":1847},"k550",[1846],"k538","business account",{"_key":1849,"_type":511,"marks":1850,"text":537},"k551",[],{"_key":1852,"_type":511,"marks":1853,"text":1855},"k552",[1854],"k541","expense management",{"_key":1857,"_type":511,"marks":1858,"text":1859},"k553",[],", and ",{"_key":1861,"_type":511,"marks":1862,"text":1864},"k554",[1863],"k544","corporate cards",{"_key":1866,"_type":511,"marks":1867,"text":1868},"k555",[]," that help keep payments and company spend connected.",[1870,1872,1874],{"_key":1846,"_type":558,"externalUrl":1871,"linkType":171},"https:\u002F\u002Faspireapp.com\u002Fau\u002Fbusiness-account",{"_key":1854,"_type":558,"externalUrl":1873,"linkType":171},"https:\u002F\u002Faspireapp.com\u002Fau\u002Fexpense-management",{"_key":1863,"_type":558,"externalUrl":1875,"linkType":171},"https:\u002F\u002Faspireapp.com\u002Fau\u002Fcorporate-card",{"_key":1877,"_type":507,"children":1878,"level":784,"listItem":785,"markDefs":1887,"style":514},"k562",[1879,1883],{"_key":1880,"_type":511,"marks":1881,"text":1882},"k560",[1299],"Keep spending aligned with budgets",{"_key":1884,"_type":511,"marks":1885,"text":1886},"k561",[]," by setting controls across teams and projects, giving founders more oversight as transaction volumes grow.",[],{"_key":1889,"_type":507,"children":1890,"level":784,"listItem":785,"markDefs":1899,"style":514},"k568",[1891,1895],{"_key":1892,"_type":511,"marks":1893,"text":1894},"k566",[1299],"Connect finance and accounting workflows",{"_key":1896,"_type":511,"marks":1897,"text":1898},"k567",[]," through Xero and QuickBooks integrations, reducing manual reconciliation and keeping financial information up to date.",[],{"_key":1901,"_type":507,"children":1902,"markDefs":1907,"style":514},"k572",[1903],{"_key":1904,"_type":511,"marks":1905,"text":1906},"k571",[],"Instant payments can help money move faster, but the wider finance setup determines how effectively you manage that money once it moves. For growing businesses, connecting payments, spending, and accounting can make everyday financial management clearer and easier to manage.",[],{"_key":1909,"_type":507,"children":1910,"markDefs":1914,"style":752},"k576",[1911],{"_key":1912,"_type":511,"marks":1913,"text":469},"k575",[],[],{"_key":1916,"_type":507,"children":1917,"markDefs":1922,"style":878},"k580",[1918],{"_key":1919,"_type":511,"marks":1920,"text":1921},"k579",[],"1. Is Osko the same as PayID?",[],{"_key":1924,"_type":507,"children":1925,"markDefs":1930,"style":514},"k584",[1926],{"_key":1927,"_type":511,"marks":1928,"text":1929},"k583",[],"No. PayID is an identifier linked to a bank account, such as a mobile number, email address, ABN, or Organisation ID. Osko is a payment service that can process eligible payments through the New Payments Platform (NPP).",[],{"_key":1932,"_type":507,"children":1933,"markDefs":1938,"style":878},"k588",[1934],{"_key":1935,"_type":511,"marks":1936,"text":1937},"k587",[],"2. Is Osko the same as BPAY?",[],{"_key":1940,"_type":507,"children":1941,"markDefs":1946,"style":514},"k592",[1942],{"_key":1943,"_type":511,"marks":1944,"text":1945},"k591",[],"No. Osko and BPAY serve different payment needs. Osko supports fast bank transfers between participating financial institutions, while BPAY is primarily used to pay registered billers through online or mobile banking.",[],{"_key":1948,"_type":507,"children":1949,"markDefs":1954,"style":878},"k596",[1950],{"_key":1951,"_type":511,"marks":1952,"text":1953},"k595",[],"3. Can Osko payments be reversed?",[],{"_key":1956,"_type":507,"children":1957,"markDefs":1962,"style":514},"k600",[1958],{"_key":1959,"_type":511,"marks":1960,"text":1961},"k599",[],"If you've sent an Osko payment by mistake, contact your financial institution as soon as possible. Whether a payment can be recovered or reversed depends on the circumstances and your financial institution's processes, so don't assume an incorrect payment can simply be cancelled.",[],{"_key":1964,"_type":507,"children":1965,"markDefs":1970,"style":878},"k604",[1966],{"_key":1967,"_type":511,"marks":1968,"text":1969},"k603",[],"4. Why is my Osko payment pending?",[],{"_key":1972,"_type":507,"children":1973,"markDefs":1978,"style":514},"k608",[1974],{"_key":1975,"_type":511,"marks":1976,"text":1977},"k607",[],"An Osko payment can be delayed if it's held for additional security checks. Transaction limits, account eligibility, or other processing rules may also affect timing. If the payment remains pending, contact your financial institution for information specific to the transaction.",[],{"_key":1980,"_type":507,"children":1981,"markDefs":1986,"style":878},"k612",[1982],{"_key":1983,"_type":511,"marks":1984,"text":1985},"k611",[],"5. Does Osko work on weekends?",[],{"_key":1988,"_type":507,"children":1989,"markDefs":1994,"style":514},"k616",[1990],{"_key":1991,"_type":511,"marks":1992,"text":1993},"k615",[],"Yes. The NPP operates 24 hours a day, 365 days a year, and Osko supports fast payments through participating financial institutions outside traditional banking hours. However, individual payments can still be subject to security checks or other processing conditions.",[],{"_key":1996,"_type":507,"children":1997,"markDefs":2002,"style":878},"k620",[1998],{"_key":1999,"_type":511,"marks":2000,"text":2001},"k619",[],"6. Is it secure to use Osko for quick payments?",[],{"_key":2004,"_type":507,"children":2005,"markDefs":2010,"style":514},"k624",[2006],{"_key":2007,"_type":511,"marks":2008,"text":2009},"k623",[],"Yes. Osko payments are processed through participating Australian financial institutions using the New Payments Platform (NPP). Banks apply security measures such as encryption, identity verification, and fraud monitoring, although users should still confirm recipient details before sending money.",[],{"_key":2012,"_type":507,"children":2013,"markDefs":2018,"style":878},"k628",[2014],{"_key":2015,"_type":511,"marks":2016,"text":2017},"k627",[],"7. Can I use Osko to pay someone at another bank?",[],{"_key":2020,"_type":507,"children":2021,"markDefs":2026,"style":514},"k632",[2022],{"_key":2023,"_type":511,"marks":2024,"text":2025},"k631",[],"Yes, provided both the sending and receiving financial institutions support eligible Osko payments. If one institution doesn't support the service or the payment isn't eligible, the transfer may be processed as a standard bank transfer instead.",[],{"_key":2028,"_type":507,"children":2029,"markDefs":2034,"style":878},"k636",[2030],{"_key":2031,"_type":511,"marks":2032,"text":2033},"k635",[],"8. What banks support Osko in Australia?",[],{"_key":2036,"_type":507,"children":2037,"markDefs":2042,"style":514},"k640",[2038],{"_key":2039,"_type":511,"marks":2040,"text":2041},"k639",[],"Many Australian banks and financial institutions support Osko, but availability can vary by provider and account type. Check your financial institution's website or mobile banking app to confirm whether eligible Osko payments are available.",[],{"_key":2044,"_type":507,"children":2045,"markDefs":2050,"style":878},"k644",[2046],{"_key":2047,"_type":511,"marks":2048,"text":2049},"k643",[],"9. Is there a limit on how much I can send with Osko?",[],{"_key":2052,"_type":507,"children":2053,"markDefs":2058,"style":514},"k648",[2054],{"_key":2055,"_type":511,"marks":2056,"text":2057},"k647",[],"Yes. Most financial institutions set daily or transaction limits for Osko payments. These limits vary between providers, and higher-value transfers may require additional verification or be processed using a different payment method.",[],{"_key":2060,"_type":507,"children":2061,"markDefs":2066,"style":878},"k652",[2062],{"_key":2063,"_type":511,"marks":2064,"text":2065},"k651",[],"10. Can businesses receive Osko payments?",[],{"_key":2068,"_type":507,"children":2069,"markDefs":2074,"style":514},"k656",[2070],{"_key":2071,"_type":511,"marks":2072,"text":2073},"k655",[],"Yes. Businesses can receive eligible Osko payments into supported accounts. Many businesses also use PayID, such as an ABN or Organisation ID, to make receiving payments easier without sharing their BSB and account number.",[],{"_key":2076,"_type":507,"children":2077,"markDefs":2082,"style":878},"k660",[2078],{"_key":2079,"_type":511,"marks":2080,"text":2081},"k659",[],"11. What's the difference between an Osko payment and a standard bank transfer?",[],{"_key":2084,"_type":507,"children":2085,"markDefs":2090,"style":514},"k664",[2086],{"_key":2087,"_type":511,"marks":2088,"text":2089},"k663",[],"The main difference is processing speed. Eligible Osko payments are typically processed in near real time, while standard bank transfers may take longer depending on the financial institutions involved, payment timing, and processing schedules.",[],{"slug":2092,"title":2093},"guides","Guides",{"_type":333,"alternativeText":2095,"height":2096,"url":2097,"width":2098},"Osko review: How it works, benefits, and when to use it",630,"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002F26030da05a37c7f6643af6054150a09f\u002Fbank-17.jpeg",1200,[2100,2107,2115,2122,2128,2135],{"_key":748,"_type":507,"children":2101,"level":784,"listItem":785,"markDefs":2106,"style":514},[2102],{"_key":2103,"_type":511,"marks":2104,"text":2105},"k1",[],"Osko is a near real-time payment service built on Australia's New Payments Platform (NPP), enabling eligible bank transfers to be processed in near real time",[],{"_key":2108,"_type":507,"children":2109,"level":784,"listItem":785,"markDefs":2114,"style":514},"k5",[2110],{"_key":2111,"_type":511,"marks":2112,"text":2113},"k4",[],"You don't usually choose Osko manually. If both financial institutions support eligible Osko payments, the transfer is processed automatically",[],{"_key":2116,"_type":507,"children":2117,"level":784,"listItem":785,"markDefs":2121,"style":514},"k8",[2118],{"_key":754,"_type":511,"marks":2119,"text":2120},[],"PayID and Osko aren't the same thing. PayID identifies the recipient using a mobile number, email address, ABN, or Organisation ID, while Osko processes the payment",[],{"_key":762,"_type":507,"children":2123,"level":784,"listItem":785,"markDefs":2127,"style":514},[2124],{"_key":765,"_type":511,"marks":2125,"text":2126},[],"Use Osko for fast transfers, PayID for simpler payments, and BPAY for paying bills with a Biller Code and Customer Reference Number",[],{"_key":773,"_type":507,"children":2129,"level":784,"listItem":785,"markDefs":2134,"style":514},[2130],{"_key":2131,"_type":511,"marks":2132,"text":2133},"k13",[],"Not every payment is processed instantly. Delays can occur due to transfer limits, security checks, incorrect payment details, or if the receiving financial institution doesn't support eligible instant payments",[],{"_key":2136,"_type":507,"children":2137,"level":784,"listItem":785,"markDefs":2142,"style":514},"k17",[2138],{"_key":2139,"_type":511,"marks":2140,"text":2141},"k16",[],"Combining payments with expense management, budgets, corporate cards, and accounting integrations can help simplify day-to-day finance operations",[],[2144,2150,2156],{"_key":748,"_type":507,"children":2145,"markDefs":2149,"style":514},[2146],{"_key":2103,"_type":511,"marks":2147,"text":2148},[],"Waiting hours (or even days) for a bank transfer to clear can create unnecessary friction when you're running a growing company.",[],{"_key":2108,"_type":507,"children":2151,"markDefs":2155,"style":514},[2152],{"_key":2111,"_type":511,"marks":2153,"text":2154},[],"Fortunately, Australia's payments infrastructure has evolved well beyond traditional bank transfers. 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Atradius's 2025 Payment Practices Barometer: https:\u002F\u002Fatradius.com.au\u002Fdam\u002Fjcr:96ac0214-416f-40c7-b6b6-259369220c96\u002Fpayment-practices-barometer-australia-2025-final.pdf",[],{"_key":2136,"_type":507,"children":2201,"level":784,"listItem":1554,"markDefs":2205,"style":514},[2202],{"_key":2139,"_type":511,"marks":2203,"text":2204},[],"(2025)",[],1790324264046]