All Macquarie PayID’s can receive real time payments, and the funds will get to your account instantly from payers.

We’re aware that in some cases, customers are experiencing payment declines as the sending bank doesn’t support the standard New Payments Platform (NPP) real time banking service.

For example, payments to your Macquarie PayID from Westpac, Bendigo and Up are known to be declined because these institutions have implemented the OSKO service instead of the standard NPP real time service – so real time payments from these institutions via PayID to Macquarie are not possible.

You’ll need to contact your sending bank for more information on when the capability to send standard NPP payments will be enabled.

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Thank you. If you’d like to provide further feedback about your recent experience, please head to our Feedback and Complaints page.

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Unless stated otherwise, this information is provided by Macquarie Bank Limited AFSL and Australian Credit Licence 237502 (MBL) and does not take into account your objectives, financial situation or needs. You should consider whether it is appropriate for you. Finance is subject to our credit approval criteria. Terms and conditions apply and may change without notice.

Apple Pay, the Apple logo & iPhone are trademarks of Apple Inc, registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android Pay, the Android Logo and Google Play are trademarks of Google Inc. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. BPAY is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.

Other than MBL, none of the Macquarie Group entities referred to are authorised deposit-taking institutions for the purposes of the Banking Act 1959 (Cth), unless noted otherwise. Their obligations do not represent deposits or other liabilities of MBL. Unless otherwise stated, MBL does not guarantee or otherwise provide assurance in respect of the obligations of that entity.

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