No, a PayID acts like a ‘pointer’ to your BSB and account so you no longer have to remember them. Tleyx on 18/10/2022 - 16:26. 60 AUD Total amount we’ll convert. Get in touch. The delivery time depends on which method is used and when it's sent. Note that you will still need to wait 1. Use Corporate Online’s flexibility to create a setup that matches your business needs and can grow and change as your business does. It’s designed to facilitate the real-time transferring of funds between individuals or businesses and was one of the first services to operate using the New Payments Platform (NPP). Listen now, opens in new window. third. Remember that international transfers might take a bit longer depending on your bank's network. Automatic Payments can be amended or cancelled before 7. Westpac bank transfer times. Although some can take up to 10 business days. Which means as they only support Single Credit Transfer (SCT). Scope and application. Banks took heat from customers, who. For CBA PayID payments over $500 it’s the same thing. I had a couple do transfer from their osko accounts, assured me instant ( I rang my bank twice to ask i osko was accepted by bank account yes )as I had driven three hours to them to show vehicle and do the deal on the spot. In order to facilitate your payment, other banks may convert the payment or impose additional fees or charges. 3 (6) Timeliness 1. There's also PayID which is an addressing system usually used alongside Osko. 1800 221 815. As a part of our commitment to our customers, MyState Bank is constantly working to ensure we have leading edge fraud monitoring systems designed. Osko only works up to $1000 per day, anything over will be a normal transfer. All transfers should be instant — we’re on a mission to bring you just that. Select Pay/Transfer and Pay Someone and choose to send to a BSB and account number or a PayID. 1. 30pm AEST. Select the payee (EFT) or biller (BPAY) or PayID from your payee list, or add a new payee or biller. What is an Osko, near real-time payment? Osko by BPAY ® allows these fast payments to be made, typically in less than a few seconds, between eligible accounts at participating financial institutions, 24/7 – even on weekends and public holidays. User #13683 5275 posts. The Osko service we provide allows you to make and receive payments with individuals and organisations. The latest round of RBA payments data has revealed new trends in consumer spending, with ATM use dropping and Paypal use increasing. I have done more than a half dozen transfers to Citi which the sending bank says is an osko transfer. First-time payments to or from an account linked to yours that you have authority to access, but belonging to someone else or an entity (e. How long does it usually take to transfer funds? Sweet3st on 18/03/2023 - 08:14. Osko payments can be made using a PayID or BSB and account number with participating banks and financial institutions. Branch opening hours. When I query it with CBA it miraculously appears. e. If its the first time it can take 24 hours just as a security measure, or with that amount. That’s weird, I checked the st george website it does say $5000 limit. Maybe it depends on the amount?. they may let through $100, but then hold $1000) for 24 hours After the first PayID. Frequently. Cheques was supposed to be cleared/rejected around 4 days later. Osko is a form of BPay payments that has been developed to be faster and more secure way of sending money from payer to payee. Osko by BPAY ® is the first overlay service delivered via the NPP. 99 % pa variable rate. BPAY payments made before 6 pm on a working day are credited the same day. and. No monthly account fee if you deposit $2,000 each month or are under 30 or meet other conditions 2. To make a payment from Macquarie Online Banking: Select the $ Pay icon from the side menu; or first click on the menu icon in top left-hand corner to display the side menu. - Bank transfer if the buyer is genuine and the funds have cleared to seller account before picking up car. 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. Osko 1. • Instantly link Google Pay™ & Samsung Pay™ and start spending straight away (Google Pay not yet available for credit card customers) • Pay your mates and transfer money instantly with PayID &. Don't get me atarted in NAB. , Westpac -> ING -> ME Bank. 8am-6pm (AEST) Enquire online. Although September saw a slight. Say goodbye to waiting with Osko, which sends bank transfers between participating banks and financial institutions in under a minute, 24/7 (yes, even on weekends). It will also enable you to send a 280-character message with your payment, making it easier for both parties. . Some of the reasons why an Osko transfer can be reversed include but are not limited to; The Osko transfer can be reversed if the money was sent to the wrong PayID or BSB account number; A reversal can also be made if the payment is made to the wrong account; The transfer. Osko provides the option to use a PayID to make a payment instead of a BSB/Account number. She sent me a screenshot of her bank statement which showed -$850 and also showed she had entered my acc number and bsb correctly. so commbank can hold onto it for a day to make a little interest. ! While our MyBOQ platform supports Osko, there is a daily limit of $1000. Transfer money between CommBank accounts in the CommBank app. Transfer money between CommBank accounts in the CommBank app. I have bills coming. Enter the amount, a description (that’s optional) and tap Done. Reversal impossible unless the receiver agrees. It works in real time, and across financial institutions – making it easier than ever to transfer money on the go. The OSKO platform advises that the daily limit on the NPP is $30k/day per account, but i'm struggling to find a bank that allows anywhere near this. A lady 2 hours away said she'd be able to collect it on the day (yesterday) We agreed on a bank transfer that she did via OSKO. We’ve listened to your feedback and have improved the Pay Anyone experience to make it easier to use. Actually you don't. Send money quickly and securely. Strange that they don’t offer OSKO Here’s a quick overview of how long it takes to transfer money in Australia with the big four banks: CommBank: Instantly, or within minutes using PayID. change the limit back to the standard limit set out above 1) Osko by BPAY® 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. Made a transfer of $250, the recipient is saying they haven't received it sent 2 hours ago, is it delayed because of the weekend and when will it get transfered because on my comm bank it says pending, also its my first time using osko cheers. 6. As long as you've linked your phone number to your account before you leave, it'll work. Australia,. What a joke. Move the funds to a different account just for a peace of mind (I guess). Pay a bill now Learn more. Two days later, the money cleared? Strange, I was sure it was a scam. - Earn great base and bonus interest rates on multiple Save accounts. Live chat. If you see Osko at the end of your next bank transfer or in your transaction history, you'll know your money has been sent or received fast using Osko. How will I know I've received a near real-time Osko® payment? If the payment is an Osko payment, you will see the transaction described as ‘Osko’ and the payment method described as ‘Osko’. All the major Australian banks, including Commonwealth Bank, Westpac, ANZ and NAB, faced major delays sending and receiving money through the. Cheques was supposed to be cleared/rejected around 4 days later. Tap on the ‘Share’ button, and choose who you’d like to share it to – it can be shared through Facebook, Messenger, WhatsApp, text message and more. Maximum amount limits. A Pay Anyone payment is a funds transfer made via electronic banking from your Macquarie account to another Australian bank account. Find out more about Osko and PayID and how you can create your PayID in online banking for faster payments. Westpac: They offer a wide variety of payment options, including instant transfers. There's been odd occasion it's lagged overnight. PayID is an easy, low cost digital payment option for receiving Fast Payments from your customers. Maybe try adding a PayID to the receiving account and then using that instead. Osko: A real-time transferring service, aiming to replace the old batch transfer system and the RTGS (Real Time Gross Settlement). 12 October 2022 at 6:55 pm · 3-min read. Commonwealth Bank and NAB bank branches. The new instant transfer feature gives small businesses an option to access their money almost instantly and facilitate cash flow. I have done this before, was selling a phone, buyer put in $20 which went through straight away. You can register as your PayID your ABN, email or phone number to your eligible transaction. Pay almost anyone using their PayID or bank details. Send and receive money fast. Sorry for the inconvenience and thanks for your patience while our team were investigating. The service also enables youGet them to do a smaller transfer 24h before so 1) you can confirm they’ve saved the right details In their address book 2) you can get around waiting period for a new payee. Recently this happened, ING took 2 days before the money was finally in my account. Definitely first time transfer, as I literally had to set up my Osko first, and then he sent to my phone number. More "Switches to throw" so to speak. They made threats like " I'll call cop" lol. Nowadays, many transfers between Australian banks happen using Osko – you'll see the symbol when you do your transfer. “For. hiwever it never - Answered by a verified Solicitor. Just tried to do a transfer in NetBank today to an non CBA account and got this option presented: Under that option, transactions can have a 280 character description and a reference field, but they are sent via SCT, not Osko. 30am on the date of payment. How to transfer funds online. did osko this time with different card, this migh be the case, deposit with different cards. Other banks use osko system and it's instant up to $1000. repeat on 29/01/2023 - 16:44. After that it will be normal Osko transfer times. It takes 30 seconds and not 2 days. Bank cheques can also be cancelled so. We’re currently working on adding Osko in Internet Banking, but it may not be available for all eligible accounts until the rollout is complete. 9% for stablecoins and 1. It’s just like a regular transfer and you don’t need to do anything to set up Osko payments. but you need to organise a higher limit in need. NAB app: Will use OSKO for a transfer to BSB/acct if available NAB web site: Will not use OSKO for a transfer to BSB/acct I proved this by making the transfer from both and then checking my transaction history, as well as my Selfwealth account. A large sum of money is defined as over $10,000 in Australia. Bendigo Bank confirmed it is aware. Listen now, opens in new window. Bank holidays, weekends, and different banking regulations may also contribute to delays. But the win they transferred the $800 bank must flagged it and it got stuck for 24 hours. adavis. Some branches now open weekends. You won’t need to look for Osko ®, as you’ll automatically be using the service when it is available; When you send or receive a payment you may see the Osko ® logo in your payment confirmation or account transaction history. The two accounts you need to create for this deal seemingly do not support PayID anyway. Open the CommBank app. . For transactions. Close. Select Make a payment. Granted if they did a new Bruticus I think I'd like a Gaia out of that less than out of CW Brut just because a new one would probably have the Blastoff chest and some other cartoon goofery whereas CW actually had a toy inspired chest (that and the. Before you confirm a ‘Pay Someone’ transfer in Internet Banking, we will let you know if it will be sent. To register and link your PayID to your RACQ Bank Everyday Account, log into your account via online banking or the mobile app. Don’t have an RACQ Bank account? PayID for business. Step 6: Close or transfer accounts. . So, check in with your bank to see exactly when you get to say. Pay your bills via BPAY ® 2. Also it does this thing where you can choose to round up to the nearest dollar and put the remaining cents into a savings account. Operating 24/7, 365 days a year, the new platform will do away with lengthy wait times between transfers on weekends and public holidays - effectively bringing the banking system in line with much of the rest of Australia which is increasingly operating on par with the speed of the online world. 10:40am AEDT: Payment issues to Commbank We are aware of an issue affecting OSKO payments from Bendigo Bank to Commbank accounts and are currently investigating. Osko by BPAY is the first consumer service to be built on the New Payments Platform to use the PayID functionality. A funds transfer is the electronic movement of money from one bank account to another. Get paid quickly when you receive Osko ® payments. P. Call 13 13 86. Please don’t retry your. Here you'll find all your questions answered! But if you've still got a question (or two) the easiest way to contact our team is to send them a secure Chat message in the app, head to Help & Support and then select Contact us. Eligible ANZ accounts can send and receive Osko payments. . Watch the video to learn how to make a payment between $5,000 to $100,000 by downloading and using Macquarie. "Osko and PayID change this. payless69 on 18/10/2022 - 17:53. The. Business accounts or accounts accessed by parents/legal guardians, Power of Attorneys, etc. Can't even do OSKO payments from their. . Definitely first time transfer, as I literally had to set up my Osko first, and then he sent to my phone number. . No idea of the answer to your question but I do know that I love Osko. There's been odd occasion it's lagged overnight. Key points: "Real-time". Osko daily transaction limits. $0 transfer fee when sending in a foreign currency. The service is built on the New Payments Platform and enables fast payments to a PayID or an eligible BSB and. . You can send fast payments from Osko eligible accounts using the Suncorp App. If you use Osko, I would ask the buyer to transfer <$1 to your account 24 hours prior so the new account is “cleared” and subsequent transfers become instantaneous. The code says that within 10 days, the money will be returned to you. - Make fast payments with PayID and Osko® - Transfer money between your BankVic accounts - Transfer money to others - Pay bills with BPAY® - Manage payees and BPAY® billers - Schedule future or ongoing payments Card controls at your fingertips - Activate your card and start tapping to pay straight away - Toggle card controls on or off at ease would be instant on the Saturday. UPDATE: Our PayID and OSKO services are back up and running. OSKO limit is $30k. She has made several calls to her bank and today they tell her after a month they can contact the bank the money was transferred to. posted 2023-Jul-10, 11:54 am AEST. Pay Anybody. Keeping you and your money safe. ⏱️For speedy overseas transactions, give Wise a try. Took over 4 hours for their money to arrive in account. 8. What is Osko ®? Osko by BPAY TM is a near real-time payment. It is just for small amounts between my personal accounts, so no reason to think it is being held. We bought a property recently and are settling via PEXA, which I believe is the norm these days. thanks payment finally cleared exactly at 24 hrs, geez. What is Osko? And how does it work?1) If you're talking about others in Australia transferring money to your Australian bank account while you're physically overseas, that's OK. 9:30am - 5pm, Fri. check your balance and transfer money straight from your smart phone. Before you confirm a ‘Pay Someone’ transfer in Internet Banking, we will let you know if it will be sent. daleroy1234 on 29/01/2023 - 13:48 @I like freestuff: Thanks mate! richybargain on 29/01/2023 - 16:05. A NAB Visa Debit card for all your everyday spending. This can take up to 24 hours. NAB: Instantly or occasionally within 24 hours when sending to other banks using the Pay anyone feature. It’s a fast, simple and smart way to move money in Australia. Infinite-Sea-1589. We will automatically make the payment for you as an Osko fast payment if the receiving bank is. "Osko Payment" means a transfer of funds processed using Osko. The service is built on the New Payments Platform and enables fast payments to a PayID or. 9:30am - 5pm, Fri. Delays are usually due to a high volume of traffic with our deposit service providers. Oslo is generally instant except for a banks policy on fraud prevention. The time it takes for an OSKO payment to clear is indicated by an asterisk. Another occurrence is that your bank may hold the first larger Osko deposit (e. Osko sends bank transfers between participating banks and financial institutions, in under a minute 24/7, even on weekends. Brand New Car, Great rate. As an example, some banks will not switch on outgoing Osko for mortgage/loan. The daily limit for Osko transactions is included in the default Bank Australia daily limit – which is $5,000. Funds transferred through Osko are cleared near instant and are then made available to the recipients account in less than sixty seconds (albeit caveats with some banks). had a friend send me some money via osko came instant and could use straight away. Osko Fast Payments FAQs. Especially since Medibank gave away my details for free. Finally, if your bank or credit union isn't playing ball, you can lodge a complaint with the financial ombudsman. If you’re using a Pay ID for the first time, select add New Payee and a PayID Type (mobile number, email address, ABN) and enter the PayID information. 75% + €0. The ability to make an Osko payment will be provided in Internet Banking and the App. PayID/Osko transfer should be instant. To other banks in Australia. It can also be faked to a certain extent. for the latest overnight key economic and market information straight from our team of experts. Osko has brand fees attached to it for little benefit beyond standard NPP. View Disclaimer. However at Macquarie PayID transactions cannot go over Osko they have to use SCT which means the institution you're sending to or sending money to Macquarie needs to also support SCT. The first PayID payment is held for 24-48 hours by CBA. 9/10 of my Osko deposits are in my swyftx account within 5mins. (which involve the transfer of funds between the ADIs) that occur in quick succession to make this happen. $750. PayID is a smart address that uses your mobile number or email address for fund transfer via Osko, securely linked to your bank account. Planned maintenance by the Commonwealth Bank may cause Osko payments to reject from 11pm, Friday 10 February, 2023 until 8am, Saturday 11 February, 2023. It’s a fast, simple and smart way to move money in Australia. Sometimes Osko is down for whatever reason and it’s a standard old type. Other payments (not Osko) are generally available on the next. This can be between your own bank accounts, or between your own account and another person or business’ account. Send and receive money fast. OSKO goes straight away unless the bank put some rule/restriction on it. CommBank sucks for this. I'm pretty convinced it's CBA playing shenanigans. This unique listing endows businesses and single individuals with simple method to evade bank transfer and money transfer errors. They show up at Citi straight away, but then sit as pending on in-progress for 2-3 business days. You can make Osko payments using the Suncorp App or with the help of staff at a branch. (see: How does PayID work with Osko?) second. NAB: Instantly or occasionally within 24 hours when sending to other banks using the Pay anyone feature. ensure that the balance of your nominated Savings Maximiser account at the end of the current month is higher than it. Got very angry when I said I'll wait till the cheque clear. Call us Monday to Friday. Transferring from another financial institution. You can continue to transfer funds using BSB and account numbers, however we will need to check whether the receiving bank supports NPP and Osko. +61 2 8253 4530. e. P. Go wherever you want with our 1-5yr variable rate. A Pay Anyone payment is a funds transfer made via electronic banking from your Macquarie account to another Australian bank account. How can I put money in? As we’re fully digital without any branches, you need to transfer money into your account from another Australian bank account or have your salary paid directly into your account. Tap Transfer between accounts. Sending money within Australia: Westpac supports payments using Osko, Pay anyone, BPay and general funds transfers. g. The service is built on the New Payments Platform and enables fast payments to a PayID or an eligible BSB and account number. All you need to do is Google OSKO Gumtree scam and you'll see many stories of the exact same thing you have described. In order to facilitate your payment, other banks may convert the payment or impose additional fees or charges. 2. Then did a Beemit transfer and it went through immediately as always. After all that fuss about them allowing criminals to launder money. • Make fast payments to a PayID or to a BSB and Account Number with Osko • Create and use PayID to receive payments instantly • Set up recurring payments. pl/RgyrJd. Osko is available 24/7, so if you managed to pay instant on a business day, it will also be so on a weekend (most of the time). Guaranteed rate (24h) Recipient gets. It may involve bank accounts at the same financial institution or bank accounts at different financial institutions, as well as transfers to. Westpac business accounts eligible for Osko Payments are. Be confident your payment is secure within the Mobile App. They payment could be cleared instantly if they wanted to. I have deposited cash both ways and although my bank has OSKO it will not transfer quickly without using pay ID. Learn more . Send money, receive payments from abroad, check exchange rates – all in one app. To use Osko, you don't need to do anything differently, just send the payment via Internet Banking using the 'Pay Anyone' feature and ANZ will route. Osko payments are subject to the bank’s current real-time fraud screening and detection capabilities. To start using Pots: Head to the Account tab in your app. I'm pretty convinced it's CBA playing shenanigans. “For transfers to us, once we receive a file from a corresponding bank we process that file and funds are available straight away with our real-time core banking,” the spokesman said. Depending on your account, you may be able to request a wire transfer at a branch which will be received within 2 hours if processed before 4pm AEST (payments processed after this time will be received the next business day). I use Osko quite a bit, NOT using PayID (using the BSB/Account instead). Get paid quickly when you receive Osko ® payments. BPAY ® Payments made before cut-off time are acknowledged as ‘paid’ by the biller on the business day the payment is made. Transfers are processed immediately and are available straight away. Take a look at the comments to see what some of our readers had to say about instant funds transfers. I made a payment by pay id/ Osko, through my bank Westpac now the funds left my account straight away. If you made a transfer using BSB and account number during the OSKO outage please note, they will be received within 24 - 48 hours. Open the Transfer & Pay menu and select Pay anyone, enter your details including a PayID (if available). 9/10 of my Osko deposits are in my swyftx account within 5mins. Available funds can be cleared in near real-time (typically in less than a minute) Allow for rich data and confidence in delivery, 24/7 It makes sending and receiving money from your bank account that little bit easier. Savings_Knee5092. If money is incorrectly transferred into your account, you should notify your bank. Payments made between and 7. However, compared to the smaller bookies, they usually only process their withdrawals by bank transfer once a day, on business days only and most don't announce their cutoff times. Whether you’re paying a roommate, a good mate, a workmate or even a tradie’s rate, it’s handy to know that paying or getting paid is easy with Osko. Obviously not ANZ who likes to hold onto the money for as long as possible. 40 AUD Our fee. Hello, does anyone know how long an osko payment from the Greater Union to Newcastle Permanent takes to fully process? Was sent some money (not the first time from the account) and according to the greater it's gone through but it is not showing in my account. Along its route, your payment could go through a number of intermediary banks on the SWIFT network, which is why it takes longer. Osko sends payments fast between financial institutions, 24/7 – even on weekends! In most cases it will arrive in under a minute. Osko Payments is available in over 60 banks currently and will be continuing to roll out in the next coming months. There may be a number of reasons why an Osko Payment has failed. Flexible Payments: Use a registered PayID (mobile number, email address or. Reply reply. Not all banks have the systems and infrastructure to support osko. I was told by my Bank that Osko payments can not be refunded in any way as it is instantaneous and if you get the numbers wrong in the transfer kiss your money goodbye. Certain banks perhaps haven't implemented their payment system properly to check which services are available before sending the payment. Teachers Mutual Bank. This includes linking to a recognised exchange such as Binance or Coinspot, though Xero does not currently support the payment method. Personal accounts ANZ Access Advantage ANZ Access Basic ANZ One Offset ANZ Online Saver ANZ Pensioner Advantage ANZ Progress Saver ANZ Premium Cash ManagementIncrease productivity by getting straight to work with Corporate Online’s easy-to-use interface and simple workflows. A bank can offer Osko payments without offering PayID,. ubiquitouswede • 10 mo. 4. See our payment cut-off times for more info about when you need to make your payments. It may involve bank accounts at the same financial institution or bank accounts at different financial institutions, as well as transfers to. to your Selfwealth BSB and account number) will be available for ASX trades instantly if your bank uses the Osko transfer method ( click here for more information). So keep track of your money by using our in-app Money tracker. NPP and Osko Payments will be available from all transaction and savings accounts. Osko gives even more control to banks as to what they can do with the payment. Never had a osko payment take longer than 10 seconds. Online banking, ATMs, card transactions and OSKO payments were all impacted. The NAB App. Golden rule of any transaction is that funds must be cleared in to your account before you release goods. To another Australian financial institution via standard transfer (EFT payment): the funds will be transferred from your account straight away and available to the payee in 1–2 business days. Transfers to another financial institution (not as a Fast Payment) If you make a transfer before 6pm (AEST/AEDT) on a business day, the payee will usually get the funds the following business day. 30pm AEST. If it is the first time you are sending to that account from CommBank they take at least 24 hours. ago Call the bank and have it increased. Everyday Account – Our simple, intuitive everyday transaction account, made even better for you with user-friendly features that help you make the most of your money. What you can do with Osko ®. NAB launches campaign to help Aussies ‘See Through Scams’. So how will it work? At the moment you can transfer money between two accounts with the same. You will find your unique PayID email address alongside your Osko bank transfer details when you select Bank Transfer/Osko as the AUD deposit method. Note that you will still need to wait 1. Open the CommBank app. If it’s after 6pm (AEST/AEDT) or on a weekend or public holiday they’ll get the funds within two business days. 2. 994. ) to buy a car from my Bendigo account, and he had it in his account before I'd even texted him. Both the sending and receiving bank accounts must be enabled for faster Osko payments. If you need to make a payment greater than $1,000, you can still transfer your money to another financial institution using their BSB and account number. Occasionally, we aren’t able to send it via Osko. just now I sent $1 and went through. Osko is the overlay service developed by BPAY ® that allows fast payments to be made. Osko will be available. Osko payments and payments to PayIDs are subject to available funds and are included within your Westpac Live Online Banking Daily Payment Limit. so commbank can hold onto it for a day to make a little interest. They show up at Citi straight away, but then sit as pending on. Can't even do OSKO payments from their accounts. Select the mobile number from the list of available numbers to be used as a PayID, or; Enter a mobile number to be used as a PayID. No monthly account fees and no minimum monthly deposits. g. With Osko, you don't need to do a thing. On average, international payments take between 1-5 business days⁷. Find out more about the New Payments Platform, Osko and PayID for. If your 1st payment went through (some banks hold it for 4-24 hours), it is unlikely that the 2nd one will be held. Osko is $1000 p/day, no way to change it. All payments to a PayID will occur in near real-time. What do I do if someone made a payment to my PayID and it hasn’t arrived? Payments made to your PayID should arrive into your account generally within a minute of being sent. User #122576 6317 posts. Call us Monday to Friday 8:00am – 6:00pm and Saturdays 8:00am – 1:00pm AEST. Send money and make payments fast with Osko®! Use PayID to make sending and receiving payments easier than ever by linking a unique piece of information such as your mobile number or email address to your bank account to receive payments. Well isn't OSKO a wonderful invention for scam sellers. O. If you tried to make a transaction or payment during this time, it may take up to three hours to process. Funds deposited using EFT (i. Osko allows you to send and receive money almost instantly between financial institutions 24/7. As always, prevention is the best cure when it comes to mistaken payments. 2. Australian bank customers faced a major industry-wide payment transfer outage, causing online transfers through Osko and the New Payments Platform to sit in limbo. If an account at another financial institution cannot accept Osko payments, what happens? If an account is not eligible to receive Osko payments, we will try to send the payment another way using the current payment channels.