It's been over 24 hours and I just googled osko scams to find that with first payments, osko withold the money for 24 hours to make sure it's not fraud. MailGuard understands these malicious emails originate from 3 different compromised domains. Here’s where it gets really odd. New Device or Payment Confirmation SMS scams. Pay Anyone offers simple payments to BSB and account numbers. User #697796 10232 posts. 1. 3. The technology used to send your payment will affect how long it takes to arrive. Manage and access your funds while earning interest. Osko Issues (Australia) I don't know if it will or does impact anyone else but after talking with my bank about payment delays they've mentioned that Osko is having difficulties so some of the payments within the last hour before cut-off times have been delayed until est. Any other fraudulent activity has occurred. 9:30am - 5pm, Fri. Note: Osko payments are processed 24 hours a day, 7 days a week and are typically received in a few seconds but. 1. Osko by BPAY™ is a near real-time payment. So I assume. Osko sends bank transfers between participating banks and financial institutions quickly. Osko Payment means a transfer of funds. The buy was willing to pay it, but then asked if I would refund him the $300. Extra security checks on $10? Uh. Also if there is some delay with a legit transfer – what are you going to do? When logged into your mobile banking or online banking, select the option to pay anyone. Though did recently sell a vehicle with an osko payment on the day. 2. And then, visit the PayID pokie site to see which minimum and maximum deposit and withdrawal amounts apply. Both banks have to accept Osko payments for them to go through (and some banks still do not have it), and some have limits on the amount, so if the payment exceeds that amount (or they have made other Osko payments the same day to exceed the amount cumulatively), it'll be sent as a standard transfer and this won't show up in your account until t. What is an OSKO payment? Osko® and PayID™ is a form of BPAY® payments that has been developed to be faster and more secure way of sending money from payer to payee. 0 ★ 85 MB. Step 2: Select Accounts on the top page, and on the Account Balance table, click on Deposit. 2. So I assume she flagged the transaction to me as fraud so got the money reversed back into her account… Her facebook profile has since disappeared. A payment receipt template that can be used by any business or establishment. . For a payment to be sent via the Osko service it requires both of the accounts to be registered to send and receive Osko payments. If we won’t be able to make your payment as a Fast Payment, we'll usually tell you at the time that you're making the payment. Osko payments are submitted in batches but are processed using individual debits which results in a separate debit on your account for each payment instruction. Osko Payment is a fast and secure payment service developed by BPAY, it is designed to make it easier and faster for people to send and receive payments online, both domestically and internationally. US Phone Numbers 5. Call out suspicious emails or calls. The NPP was built using ISO20022. When I query it with CBA it miraculously appears. Any notifications we need to give you about Osko Payments or Payment. A years-long US government probe of Binance Holdings Ltd. You must have a security token set up to use the. I know sending low amounts of currency is a scam/ "marketing" tactic for cryptocurrencies but this is weird. Restructure Nigeria, Afenifere tells Tinubu Navy intercepts N254m. Check the links in SMS and emails. “Watch out for #scam texts impersonating Australian banks, saying you’ve made an OSKO payment to a new payee and asking you to click a link to cancel the payment. With Osko, bank transfers now take under 60 seconds to complete. I’ve got a couple different bank accounts and they all have limits of $2k to $3k as standard daily limits. Liked. 1. We will treat your Osko payment instruction as valid if, when you give it to us, you use the correct access method. Fakereceipt | Sales Receipt Maker. This app is. Benefits of Pay Anyone & Osko. Please note: As an app-exclusive account, it cannot be accessed via Internet Banking. The Detail. Go make a complaint and let's cost them money until they cut this shit out:. • 2 yr. (b) These Terms are subject to and apply in addition to the following terms and conditions: (i) Financial Services Guide; (ii) Access Methods Terms […]04 September 2018. What if I make a mistake with my Term Deposit in Online Banking? If you've made a mistake, please give us a call on 1300 558 724 between 8am – 8pm Sydney time as soon as you identify the mistake. . For example, Rabona and Slots Palace allow PayID deposits in the AU$15 – AU$7,800 range. To make an Osko payment using a PayID, simply: Head to the Pay Anyone menu within Greater Bank’s Online Banking or App. The email includes basic details, like the date and time of the transaction, the payment amount, transaction description and receipt number. To make an Osko payment using a PayID, simply: Head to the Pay Anyone menu within Greater Bank’s Online Banking or App. Confirm your payment. Hi everyone, we’re currently experiencing an industry-wide outage to New Payments Platform (NPP)/Osko payments made via Internet Banking, ANZ App and ANZ Plus. 4. There are two possible outcomes from the assessment: The chargeback is ruled in favour of the customer – If the request is determined as being valid, the transaction amount will be debited from your settlement account and a chargeback fee may be applied to your merchant account. ago. UP Bank comes to mind for this. Calling them all I was told was OSKO. Let someone know when you've made a transfer or BPAY by sending an email through NetBank. Osko is a payment method used by ANZ and other participating financial institutions to send payments faster, smarter and simpler at any time, on any day of the year between eligible accounts disclaimer. Create fake money transfer screenshot and fool your friends. It comes as NAB Economics research shows 53% of Aussies are holding on to around $1,500 worth of unwanted goods. * Osko is the overlay service that sits on top of the PayID; essentially the ‘gateway’ to the NPP. You could reverse a transfer if you made a payment to the wrong account. au - As well as including a company letterhead, email requests must also come from the business/company email address. Inversiones. If you receive a suspicious SMS or email, follow these steps to keep you safe: Don’t click any links. Basic Single Credit Transfer means a credit payment message, other than an Osko payment, another type of overlay service payment or an international funds transfer instructions payment, sent by a New Payments Platform participant via the NPP basic infrastructure for the benefit of a payee with another NPP participant. If the funds are available they will be transferred and the issuing bank cant tell if the payment is fraudulent unless it's used with stolen credit cards etc. Retail as well as Corporate. Eligible ANZ accounts can send and receive Osko payments. In Online Banking. Osko by BPAY is a near real time payments service built on the New Payments Platform which enables payments to a PayID or an eligible BSB and account number. A batch can contain one to 5,000 payment instructions to a maximum value set by your Daily Osko Limit. However, for added security, the payer will see the registered PayID name displayed on their screen. Scope and application (a) These terms and conditions (Terms) apply to your use of the PayID Service, and the Osko Fast Payment and NPP Quick Payment services. a) We subscribe to Osko under the B PAY® Scheme. Enjoy pranking people. • 2 yr. They've also applied this to Osko payments which shows up as a pending payment. Citi Bank Australia has a daily limit of $10,000 if you make a fast payment to PayID. It can simplify payments through an Addressing Service, called PayID, as well as offer the ability to. Spoke to Commbank - "we hold first-time payments to new accounts for security reasons". the person paid via osko in person. You can easily understand and use this generator. Cheque: Recipient Reference. He, however, said with better pay and capacity development, the menace would be curbed. User #581416 2681 posts. The payment platform is working on bringing down the transfer times to be as instantaneous as possible. Your payment of ($40. You might have noticed. The email includes basic details, like the date and time of the transaction, the payment amount, transaction description and receipt number. Phishing is when a scammer sends an email that appears to be from a trusted source, often including an urgent ‘call to action’ like asking you to unlock or verify an account, log on to your bank accounts or make a payment immediately. Buyer sends me $600 via bank transfer, however I get an email from OSKO saying that in order to receive the payment, the buyer needs to send an additional $900 over to expand my account to a business account? The buyer says he sent me an additional $900 (nothing has came through yet). The PayID scam is a popular example of this, with Australians losing more than $260,000 through this specific. Fumbles around until comes up with "sometimes we do extra security checks". Osko provides the option to use a PayID to make a payment instead of a BSB and Account number. The NPP also allows you send or receive payments using a PayID,. 3. Visit your local branch. Refer to your card’s terms and conditions for full details, including when a customer will be. You can also find out more about Osko here. Australian Payments Plus (AP+), Australia’s domestic payments provider has a renewed focus on using PayID and reminding customers of the (. 1. When you make an Osko Payment through the Bank of us Internet Banking platform (or associated access method), the payment is processed using the New Payments PlatformOsko payments and payments to PayIDs are subject to available funds and are included within your Westpac Live Online Banking Daily Payment Limit. It is the variation on the "I am on active duty" or "work in merchant shipping" and can't see the item, check it out or have that person pick it up. Bank Supported 86 400 Limited Yes. More complex scams involve hackers trying to access your personal information, including your account credentials and payment details. Cancel your card. Osko Payments is available in over 60 banks currently and will be continuing to roll out in the next coming months. It will also enable you to send a 280-character message with your payment, making it easier for both parties to know what the money is for. A wave of regulation and industry action has placed the flourishing fake review business on notice. Most likely CBA as they have a very specific process for first time payments to a new payee to hold on to the payment for 24 hours. George. Scamwatch is urging people to watch out for texts impersonating Australian banks, saying you've made an OSKO payment to a new payee and asking you to click a. b) The Osko. Once linked, you can share your PayID instead of your BSB and. Get a token deposit sent through the same way. g. 44. Allows users to send money or make payments using registered mobile number, email address or bank account details. ASIC is alerting consumers about offers to recover money lost to scams. Osko is a payment method used by ANZ and other participating financial institutions to send payments faster, smarter and simpler at any time, on any day of the year between eligible accounts disclaimer. the name of the beneficiary > Value Date – By default, Today is selected. Select the option to add a new payee and choose to pay someone with the email address option. When logged into your mobile banking or online banking, select the option to pay anyone. If it’s the first time transferring to the bank account u need to for the purchase, it will be held for 24 hours more than likely no matter the amount. The fake representatives ask their victim to deposit money into an AFP account. ASIC is alerting consumers about offers to recover money lost to scams. A fake cash app screenshot can be used to prank someone as it looks like the original one. Word. com. It offers easier account identification by phone number and email. the name of the beneficiary > Value Date – By default, Today is selected. Oska payments cant be reversed once made and is like BPAY. All branches are open: 9:30am - 4pm, Mon - Thurs 9:30am - 5pm, Fri Some branches now open weekendsOSKO'S nightclub located at 333 South La Cienega. Osko Payment Not Going Through. 4. in the sense of shortly. 9:30am - 4pm, Mon - Thurs. Select the account you would like to link the PayID to and the PayID name. you can only receive Osko payments to these accounts; you can't make Osko payments from these accounts. This would allow the recipient to receive the payment quickly and easily, without having to provide their bank account details. Told the buyer before we transacted that I would not hand over keys. Pay Anyone and Osko. It could be used to enter a reference number or invoice number. Receipt generator is a site that allows users to create a custom receipt. You can access Osko from within your internet and mobile banking. It offers easier account identification by phone number and email. PayID for business. Find out more about the. You can impress people you place money above everything else with this app. . The best thing to do is to hang up, delete the email or otherwise ignore the contacts. Benefits of the NPP include: – Make payments in near real-time 24/7, with funds being available almost instantly to the payee. Use your mobile number, email address, ABN or Organisation Identifier as your PayID® to receive fast payments. Select Update my Daily Payment Limit . If the payee is registered for PayID, their name will be. com. Fake Pay allows you to share fake money transfer screenshot to friends, family. Commbank have a very annoying policy regarding first time Osko and PayID payments - namely a delay for instant payments. Whirlpool Forums Addict reference: whrl. The New Payments Platform (NPP) is a faster, more versatile, simpler, and more data rich, near real-time payment system, which meets the needs of a 24/7 digital economy. Not all banks support sending/recieving both fast payment types. Based on 2 documents. As long as you're sending funds to a participating bank, when you make a pay now Pay Someone external. Osko only bank isn't really a thing, as for a bank to be on Osko it needs to be on the New Payments Platform and they can just send the payment without the Osko service. PayID and Osko are fast, secure and free. Osko is the overlay service developed by BPAY ® that allows fast payments to be made. A Melbourne woman almost lost $500 to a fake buyer using the scam technique. I also told her to ring commbank. Online Banking allows you to hide accounts from display and reveal them again when you choose. The Osko payment system was introduced to allow near-immediate online bank transfers around the clock. 3. Simplicity – If you have a PayID, get paid or send money to someone without. Even my tiny little building society account has Osko; I transfer between it and my ING account all the time and it's wonderful!. Step 5. However, the next step is that the buyer agrees to pay the additional $250 and you are sent another fake email confirming the money was sent to your. Sign into Online Banking or the Westpac App and go to the payment section. 11 October 2021. inventel on 21/12/2020 - 17:53 Osko by BPAY TM is a near real-time payment. 00am - 2. OSKO is a fast-payment service that provides users with close to real-time payments between other users and banks that support OSKO. Whether or not the payment is sent via the Osko service depends on whether your account is eligible, and whether the payee’s account can receive Osko. While Osko in theory should be fine, there will always be some scammer now or in the future who will find a way to fake a payment confirmation and for an expensive item, it isn't worth the risk. The fake email explains a problem was encountered “while crediting your payID account” before explaining the amount the buyer is trying to deposit is more than what the vendor’s account can. Receipt generator is a site that allows users to create a custom receipt. Download this Editable Payment Receipt Template Design in Word, Google Docs, PDF, Apple Pages Format. This means Pay Anyone payments exceeding $30,000 cannot be made using Osko. Find out more about the New Payments Platform, Osko and PayID. pay someone using a BSB and account number or PayID. Business customers looking for options to make single transaction payments. Sorry for the inconvenience and thanks for your patience while our team were investigating. Our Account Access Terms andCustomers in Australia can make instant Australian dollar (AUD) deposits into their accounts via the Osko system. interest rate. Select 'New Payee' Select a 'Transfer method' (PayID Type) Enter the PayID details and verify that the PayID is registered to the person you want to pay. The service is built on the New Payments Platform and enables fast payments to a PayID or an eligible BSB and account number. g. If you don't have this available, refer to your text message from St. 1. Fast, Secure Payments. If you would like to view it on a desktop please useOsko is the overlay service developed by BPAY ® that allows fast payments to be made. Scammers commonly ask for payment methods like pre-loaded gift cards, bank or international funds transfers, and. PayID is an easy, low cost digital payment option for receiving Fast Payments from your customers. So, check in with your bank to see exactly when you get to say. Once you create a PayID, you can give it to customers instead of your BSB and account number to make paying and getting paid easier. > Payment Name – Enter a payment name up to 16 characters. Enter the amount you want to pay and a description in the 280-character field. If the funds are available they will be transferred and the issuing bank cant tell if the payment is fraudulent unless it's used with stolen credit cards etc. In 2018, it was available in Australia. They payment could be cleared instantly if they wanted to. Certain banks perhaps haven't implemented their payment system properly to check which services are available before sending the payment. You can also send it to phish@nab. I’ve got a couple different bank accounts and they all. Held again. See your connected accounts and automatic bill predictions just like you do in our app. AP+ held its latest Payment Service Provider Forum on 10 July 2023. If you're looking for a betting site in Australia that pays you faster, then you have come to the right place. The only info I have of this person is their initial and last name. Payments made to a PayID or BSB and account number will be sent via our standard way of making payments (Payee Transfer) or Osko where possible. This limit differs to your Pay Anyone limit as it cannot be changed. This answers whether someone can reverse an. Also if there is some delay with a legit transfer – what are you going to do? Make the buyer wait around for possibly hours for the funds to show as. Easy to edit and customize with all versions of MS Word. Lock or Unlock your card. Summit Bank facilitates all customers to avail this service having an account with the Oct 19, 2021 · How to make a fake receipt . A PayID is a piece of information that is unique to you, such as a mobile number or ABN, that you can use to accept payments. Below are some factors as to why your. Pending transactions frequently asked questions. Before you dispute a card transaction. e. Examples of Osko in a sentence. It is 100% a scam, educate those at risk and ignore it. To send an OSKO payment you can just use a BSB and Account number, but its easier if you use another identifier, like a phone number or email. If we do not receive all of these details from the relevant merchant, we may not be able to release or reverse a pending transaction. Reduce manual data entry and save time by connecting your business transaction accounts to your accounting software. What is Osko/instant payment? Osko is a near real-time payment service. Both Pay Anyone and Osko are available via Bendigo e-banking. To use Osko, you don't need to do anything differently, just send the payment via Internet Banking or the ANZ App and ANZ will route the payment. Launched in February. Not all banks have the systems and infrastructure to support osko. 21. No matter whom you transfer the money to, no matter which financial institution they bank with (provided they have Osko too), if you use Osko to make the payment, the money will appear in the recipient’s account almost instantly, and it is. Section 23 - Using Osko; Section 24 - Processing Osko Payments; Section 25 - Scheduled & Recurring Osko Payments Section 27 - Authority to Recover Mistaken or Misdirected Payments The most significant change is Section 27 where you authorise us to recover mistaken or misdirected payments made to your account and return the payment to the. CBA Tap & Pay, Apple Pay) allow you to make payments with your digital device while hiding your card info from stores and merchants. Answers to our most frequently asked questions on topics including, online banking, mobile banking, credit cards, financial hardship, security, transferring funds and travelling overseas. PayID, a service facilitated by Osko, offers a seamless way to link your bank account through unique identifiers, such as your ABN, mobile number, or email address, and is accessible via the CommBank app. Make a payment in near real-time – in most cases only a few seconds – 24/7, even on weekends and public holidays, between eligible accounts at participating financial institutions. 60% p. Osko by BPAY TM is a near real-time payment. Currently, Heritage only accepts NPP Single Credit Transfers (SCT). Osko enables a payment to appear in the recipient’s account within a matter seconds, rather than days. a. Lock or Unlock your card. PayID is an easy, low cost digital payment option for receiving Fast Payments from your customers. Osko is a payment service that uses the NPP. Both banks have to accept Osko payments for them to go through (and some banks still do not have it), and some have limits on the amount, so if the payment exceeds that. The New Payments Platform (NPP) is a faster, more versatile, simpler, and more data rich, near real-time payment system, which meets the needs of a 24/7 digital economy. The service, which is backed by BPAY, will allow you to make payments in real-time, 24/7. 03:30. Real time payments have a maximum daily limit of $1000 per day. User #504974 765 posts. How do I notify of overseas travel? Notify us when you travel overseas so we can better monitor the security of your credit card account. 3 billion fine,. Select the option to add a new payee and choose to pay someone with the email address option. Tleyx on 18/10/2022 - 16:26. Scammers can use smishing, spoofing, and other methods to spread malware and get access to your accounts. Google Pay Google LLC · Finance 500 M+ 4. And then, visit the PayID pokie site to see which minimum and maximum deposit and withdrawal amounts apply. Three Shots McGee. $0. You can increase your Pay Anyone daily limit up to $50,000 in e-banking. SCT (Single Credit Transfer) OSKO; OSKO has a guarenteed SLA where money must be received within a certain time period, SCT doesnt have these. Osko by BPAY is an innovative payment service which allows Australians to make and receive faster payments to each other via any participating bank. The emails are. Pay Anyone offers simple payments to BSB and account numbers. . If you have lost your card or suspect a pending transaction is fraudulent, you can cancel or temporarily lock your card using Online Banking, or by calling us on 1300 651 089 from anywhere in Australia or +61 2 9155 7700 if you are calling from overseas. 4. 2. From your Dashboard, Select the 'Deposit Funds'. From memory the way it works is that if you're paying over the amount to a new payee for the first time they hold onto the money before releasing it. Update my daily payment limit. Then enter a mobile number or email address. It's been over 24 hours and I just googled osko scams to find that with first payments, osko withold the money for 24 hours to make sure it's not fraud. definition. Obviously not ANZ who likes to hold onto the money for as long as possible. The NPP's fast payment service "Osko" also asks users to confirm they are paying the right person when making a transfer - a step that did not previously exist. Osko only works up to $1000 per day, anything over will be a normal transfer. Nah this was more of a rant haha missus is sick of hearing me talk about it haha. Payments to a BSB and account number will only occur in. Canada Phone Numbers 3. a) We subscribe to Osko under the B PAY® Scheme. I sent another PayID for a small. Dr. Osko sends bank transfers between participating banks and financial institutions, in under a minute 24/7, even on weekends. Payments made through the New Payments Platform (including Osko payments) are limited to $1,000 in total per. You can give your PayID to payees, instead of using your BSB and account. Turn automatic updates on for your software. b. Given it’s one of the main ways you’ll interact with us, we’ve collected a list of our answers to some of the most common questions our customers have about how to make and receive payments with their Hume Bank accounts and cards. Bank transfer is reasonably safe for items that you are going to post to the buyer. If the seller agrees, scammers will ask for their PayID email to complete the payment. The best part about paying to a PayID is that you’ll know your money is going to the right person or business before you hit send. Fill in the email address field with the email address shown on your PayID deposit page. Aussie Docs is by far the best place to buy Fake driver license for New South Wales Australia. The hold is up to 24hrs and occurs for payments CBA to CBA accounts and OFI payments made via payid/Osko. Some branches now open weekends. Getting an Osko payment reversed is super difficult and almost never happens. Login to the app (download the latest version) or internet banking. Ensure payment has been made: police. Sign into Online Banking or the Westpac App and go to the payment section. Be confident your payment is secure within the Mobile App. Osko. This means your card isn’t stored on the device or ever shared with you. They hold them for 24 hours and send out an accompanying email but not immediately for some reason. Frequently. Select Manage PayID's and choose Create PayID. So keep scrolling, or tap the link to see the fastest withdrawal betting sites, or the withdrawal times and methods for the most popular betting sites. I’m trying to sell a camera for $600. The Administrator can change the number of approvals required to create a PayID: Go to Administration > Features and approvals. SMiShing is a type of phishing where the message is sent via SMS text message rather than email. For Bankwest users, a 4 hour hold is placed on first time payments to a new PayID. How to request an update about an existing case. The NPP allows for two new payment types, Single Credit Transfers (SCTs) and Osko Payments. Published 11 October 2021. More "Switches to throw" so to speak. Our SMS confirmation service works in most of the countries. A payment receipt template that can be used by any business or establishment. One bank sent me an SMS to reply to in order to confirm the transfer. People have been using Fake Receipt Writer to build a custom receipt for lost or stolen receipts. The recently-introduced payment service appealed to the interest of Australia-facing online casinos that successfully integrated PayID. Pay ID and Osko payment methods. Adactin proposed and implemented solutions for NPP/Osko payments for end user client for i. 1. Word. @BrunoBear: Sounds like an additional step on the old scam of showing a fake osko transaction on their phone. Tap Pay to complete the payment . Enter the Amount , Schedule for and How often . Yes! Someone can reverse an Osko transfer in Australia. The Detail. d0rtamur • 4 mo. Check your account balance regularly for suspicious activity, such as a fake Osko payment. Osko is backed by BPAY for added security. These websites may be encountered when conducting an online search for financial products such as, term deposits. Australian bank customers faced major delays in sending and receiving money due to an industry-wide outage of the Osko payment processing system on Wednesday night. Other banks use osko system and it's instant up to $1000. saying you've made an OSKO payment to a new payee and asking you to click a link to cancel the payment. They send you an image file that shows various payment methods considered safe by Gumtree. Payments made to a PayID or BSB and account number will be sent via our standard way of making payments (Payee Transfer) or Osko where possible. They've also applied this to Osko payments which shows up as a pending payment. Find out more about the New Payments Platform, Osko and. Another option is Up bank with up to $30k. Our scams team will require your case number to provide an update. Speak to a scam specialist. Spoke to Commbank - "we hold first-time payments to new accounts for security reasons". yes. Just in 3 simple steps. When you set up a PayID, you’re setting up a quick and easy way to receive payments. There are two procedures that can be initiated: 1. Paying for services like Osko and PayID is made possible by the New Payments Platform (NPP). I'm waiting on an Osko transfer to Citibank which was sent on the 12th… Apparently they advised it will take up to the 21st to resolve. “PayID” means any of the following, which can be linked to a financial account for the purpose of directing NPP Payments or instructions to that account: Sample 1 Sample 2. Just in 3 simple steps. Enter the amount you wish to withdraw. Fast Osko payments will not be available on some STG accounts (including credit accounts), to offshore bank accounts or for transfers in a foreign currency. Transfer money online in seconds with PayPal money transfer. Below are some factors as to why your deposit has. Whether you’re paying a phone bill, or chipping in to pay for a meal at a restaurant, more of the payments you send and receive can happen almost instantly 24 hours a day. Keeping you and your money safe. George Promptly. Ensure both you and the buyer understand this and agree if you will release the car before or after receiving the money. Delete the fake email from your inbox, sent and trash folder. The first of these email scams was detected on Wednesday, 31 st of July, around noon (AEST). Select PayID as your withdrawal method. To send an OSKO payment you can just use a BSB and Account number, but its easier if you use another identifier, like a phone number or email. e. Osko by BPAY ® is a secure payment service which enables you to send and receive near real-time payments on the New Payments Platform; The service is available within the CommBank app; You won’t need to look for Osko ®, as you’ll automatically be using the service when it is available PayID and Osko payments are made through the existing payment platforms of participating banks. After confirming a payment, on the receipt page simply enter the recipient's email address. The thing that many people fail to understand is that Osko isn't necessarily be instant ever single time. Let someone know when you've made a transfer or BPAY by sending an email through NetBank.