---
title: NPP (Osko)
slug: npp-osko
createdAt: 2025-01-01T23:22:48.561Z
---

NPP enables near real-time payments directly into the recipient’s account. It supports an enriched description field of up to 280 characters, including special characters, allowing beneficiaries to receive more detailed payment information than other payment rails. 

:::hint{type="warning"}
While most payments are instant, some may return a ‘Pending’ status, indicating that confirmation from the beneficiary’s bank is still in progress. 
:::

NPP payments can be made to Australian bank accounts via our [Execute a Transaction](docId\:NMknOvkiPahGVaeV5znxp) endpoint to a BSB and account number or a PayID using the `NppCreditBankAccount` or `NppCreditPayId` disbursement methods.

To receive updates when a paymentis finalised, subscribe to the **NppPaymentStatus **webhook or call the [Get Transaction Status By Unique Reference](docId:0pyHo8W4eKbNWPfFVa_k1).

::::CodeDrawer{title="Sample NPP Payment to a PayID" isResponseExpanded="false" autoGeneratedAnchorSlug="sample-npp-payment-to-a-payid" legacyHash="WIMxjy84mrftmdb96_pr7"}
:::CodeblockTabsExamples
```json
{
  "totalAmount": 100,
  "disbursements": [
    {
      "disbursementMethod": "NppCreditPayId",
      "toNppCreditPayIdDetails": {
        "payId": "MW9GM4@monoova.com",
        "payIdType": "Email",
        "accountName": "Monoova",
        "endToEndId": "ABC/123-4356",
        "remitterName": "remitterName"
      },
      "lodgementReference": "test npp :)",
      "amount": 100
    }
  ],
  "description": "NPP payment to PayID for immediate transaction settlement"
}
```
:::

:::CodeblockTabsResponses
```javascript
{
  "durationMs": 15,
  "status": "Ok",
  "statusDescription": "Operation completed successfully",
  "transactionId": 1022,
  "feeAmountExcludingGst": 0.1,
  "feeAmountGstComponent": 0.01,
  "feeAmountIncludingGst": 0.11,
  "callerUniqueReference": "npppayid123",
  "feeBreakdown": {
    "disbursementFees": [
      {
        "disbursementArrayIndex": 0,
        "disbursementFee": {
          "feeAmountExcludingGst": 0.1,
          "feeAmountGstComponent": 0.01,
          "feeAmountIncludingGst": 0.11
        }
      }
    ]
  }
}
```
:::
::::

::::CodeDrawer{title="Sample NPP Payment to a Bank Account" isResponseExpanded="false" autoGeneratedAnchorSlug="sample-npp-payment-to-a-bank-account" legacyHash="TfhEq9D5pFmYYfTV4d2hx"}
:::CodeblockTabsExamples
```json
{
  "totalAmount": 100,
  "disbursements": [
    {
      "disbursementMethod": "NppCreditBankAccount",
      "toNppCreditBankAccountDetails": {
        "bsbNumber": "802-985",
        "accountNumber": "819877339",
        "accountName": "Monoova",
        "endToEndId": "ABC/123-4356",
        "remitterName": "remitterName"
      },
      "lodgementReference": "test Npp :)",
      "amount": 100
    }
  ],
  "description": "Payment via NPP to bank account for contract services"
}
```
:::

:::CodeblockTabsResponses
```javascript
{
  "durationMs": 18,
  "status": "Ok",
  "statusDescription": "Operation completed successfully",
  "transactionId": 1022,
  "feeAmountExcludingGst": 0.09,
  "feeAmountGstComponent": 0.009,
  "feeAmountIncludingGst": 0.099,
  "callerUniqueReference": "nppbank123",
  "feeBreakdown": {
    "disbursementFees": [
      {
        "disbursementArrayIndex": 0,
        "disbursementFee": {
          "feeAmountExcludingGst": 0.09,
          "feeAmountGstComponent": 0.009,
          "feeAmountIncludingGst": 0.099
        }
      }
    ]
  }
}
```
:::
::::