| Overlay service | OSKO |
| Served by | New Payments Platform |
| Start Date | 2018-00-00 |
| Notes | Osko[edit] Osko is owned and operated by BPAY, and is the first New Payment Platform overlay service. It uses PayID as a reference for payments, and allows a 280 character message in place of the short reference codes permitted for transfers. Payments are instant to accounts that have been transferred to previously. |