21 05 14 11:05:34


Your gateway to the NPP

We are proud to be one of the financial institutions that created the New Payments Platform (NPP).

The New Payments Platform is Australia’s new real-time payments system. It automates payments, allowing them to move quickly between accounts at different financial institutions. The NPP also supports ‘overlay’ services which offer customers additional payments functionality.

Our NPP solution offers you full access to all of the features of the New Payments Platform, as well as closed-loop payments through our ‘On-Us’ processing.

What is real-time payments?
Historically, money has moved slowly between different financial institutions in Australia. This is because payments are collected up throughout the business day into batches and then sent on at certain times. This meant that money moved slowly during business hours and often didn’t move at all after hours and on the weekend. The New Payments Platform changes all this, allowing money to move between different financial institutions in ‘real-time’. Money moves between NPP-connected accounts in seconds, any time of the day or night.

Your NPP partner
As a long-time provider of innovative and reliable payment solutions, we have a deep understanding of the payments landscape along with strong industry relationships.

We enable more organisations to the New Payments Platform than anyone else – more than half of the financial institutions there on ‘day 1’. This gives us both the experience and the expertise to connect you to the NPP, no matter how large your business is or what your needs are.

We’re excited about the future of payments and we’re partnering with banking system providers, payments facilitators and digital businesses to provide our clients and their customers with enriching payment experiences through the NPP.

Our dedicated NPP staff of technical, product and marketing experts will ensure our clients are among the first to offer their customers immediate, convenient and assured payments around the clock.

NPP & fraud
With real-time payments in Australia now a reality, a state of the art fraud management platform will be essential to manage and reduce risks for your customers and business.

The NPP isn’t riskier than any other payment platform, but fraudsters are always looking for new opportunities so they will be testing its security features.

We have created Vigil for NPP, an advanced, data-driven fraud engine, which leverages artificial intelligence and machine learning to identify and reduce fraud, while still allowing payments to be authorised in real-time.

Learn more about our fraud solution for the New Payments Platform.

New Payments Platform for financial institutions

As a financial institution, adapting to the changing market is crucial. In order to compete, you need to make adjustments so you are capable of dealing with today’s faster digital world.

The NPP brings greater economic activity, more opportunities and create a level playing field for financial institutions – it’s time to get involved.

Why Cuscal?
Payments technology and banking services are our specialty. For more than 50 years we have been working alongside our clients (around 120) institutions) to deliver products and services which help them adapt to a changing payments landscape. Now, as change accelerates and digital disruption makes fundamental changes to the industry it’s important to choose a partner, like Cuscal, which has the industry partnerships, scale and expertise to help you take advantage of all the benefits the NPP has to offer.

We are connecting more financial institutions to the New Payments Platform than anyone else. More than half of financial institutions (40 retail banking brands) live on ‘day 1’ connect to the NPP via Cuscal.

We know that payments and the digital experience play a critical part in enhancing customer relationships, that’s why we continue to stay at the forefront of industry trends, bringing our clients the latest payments technology their customers expect.

Our NPP solution offers:

  • The opportunity to reduce costs: with shared participation and operations and  simplifying your back office operations
  • On-Us community: our clients are part of community of interest to fine-tune usage and collaborate on overlay services
  • Control: flexible solutions to connect, create and control your customers’ user experiences
  • Real-time fraud management: Vigil for NPP combines our fraud monitoring expertise with the latest machine-learning and artificial intelligence technology to predict and prevent fraud and reduce losses through fraudulent activity.

To find out how we can connect you to the New Payments Platform, contact us.

New Payments Platform for non-financial institutions

Take advantage of real-time payments.

The New Payments Platform enables fast, versatile and data-rich payments between Australian financial institutions, consumers and businesses.

At Cuscal we can help you take advantage of real-time payments by partnering with you to provide NPP solutions that work for your business. With the NPP there are no more waiting on payments to clear or wondering whether the right vendor has been paid.

Why Cuscal?
Payments technology and solutions are our specialty. With over 50 years working to help our clients adapt to a changing banking and payments industry, and around 120 clients from a range of different industries, we have the industry partnerships, scale and expertise to help you take advantage of every benefit the NPP has to offer.

As a payments solutions expert, we have all the processes you’ve come to expect – while being agile enough to provide you with the personalised solutions, attentive service and easy integration that your business needs.

Contact Us

We look forward to hearing from you.

Simply send us a message if you would like more information about Cuscal and/or our products and services.

We will get back to you as soon as we can.