What is PayID?

A faster way to pay

  • PayID is the faster, simpler way to receive payments between participating Australian banks via the New Payments Platform (NPP)
  • Create a PayID by linking your ABN or ACN to an eligible bank account
  • Once linked, you can provide your customers your PayID for payments instead of providing your BSB and account number
  • PayID is a function of the NPP, that was launched in Australia  in 2018

Why register your business for PayID?

Manage your cash flow and working capital

  • Receive payments in real time1, 24/7
  • Reduce the number of exceptions due to enhanced data and smart addressing

Improve your customers' experience

  • Your customers can make payments linked to your eligible business account/s with confidence and security
  • Enables faster fulfilment of services or products

Richer payment information

  • Receive more detailed payment information with 280 characters of free text available per payment

Simplify account reconciliation

  • Enables end-to-end, real-time1 payment and reconciliation
  • Save time and money by eliminating manual intervention

Who can register? 


To be eligible to register an ABN or ACN as a PayID, you must be a business customer who has a:

  • Email address recorded with the Bank
  • ABN and/or ACN recorded in with the bank
  • PayID eligible account

How to register?

You can register by completing the PayID Registration and Maintenance form.

Alternatively, if you meet the criteria below you can call Business Banking Services on 13 1998. It only takes a few minutes.

To be eligible to register an ABN or ACN as a PayID, over the phone you must be:

  • A company (including a company trustee/custodian - sole director)
  • An Individual Trustee, and/or
  • An authorised operator, with method of operation set as one to sign

How to update or close my PayID?

If you would like to close, transfer, lock/unlock, change the linked account or the name of your PayID please complete the maintenance section of the PayID Registration and Maintenance form.

If you meet the phone eligibility you are also able to request these changes over the phone by calling Business Banking Services on 13 1998.


Do I need a PayID? 

  • PayID registration is optional. You can still use a BSB and account number to receive payments if you want
  • You can send payments to a PayID without having a PayID yourself
  • With PayID the payment process is easier and you can receive payments faster

Can I link one PayID to multiple banks/accounts?

  • A PayID, such as your ABN, is a unique identifier and can only be linked to one account at one financial institution
  • If you want to register a PayID to another account, an additional PayID, such as an ACN, is required

What is the New Payments Platform?

The New Payments Platform or NPP has been developed to significantly improve the speed and convenience of making and receiving payments between participating Australian banks.

What is Osko?

Osko by BPay® is a service built on the NPP to facilitate sending and receiving real-time payments via our online banking services.

What is an Osko® payment?

  • Osko by BPAY® is a secure payment service which enables you to send and receive near real-time payments using a PayID on the New Payments Platform
  • The service is available within the CommBank App, as long as you have downloaded the latest version
  • You won’t need to look for Osko in the app, as you’ll automatically be using the service when transferring to a PayID
  • When you send or receive a payment using PayID you may see the Osko logo in your payment confirmation or account transaction history. This indicates that the payment was sent via the New Payments Platform (NPP) infrastructure using Osko.

Which CommBank accounts are eligible for PayID registration?

There are a number of CommBank accounts which can be linked to your PayID. See the full list of eligible accounts

Things you should know

1 For security reasons, a hold may apply on first time payments. The delay allows fraud security checks to take place and gives you time to alert us to unauthorised or suspicious activity on your account. Subsequent payments should be received in under a minute.

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