NPP-as-a-Service
A faster path to real-time payment capability, built around sponsor-bank connectivity and modern orchestration rather than a ground-up build.
Australian payments infrastructure
The orchestration layer for real-time payments
Odyssey helps banks, fintechs, PSPs and corporates connect to modern Australian payment rails faster, with less complexity and lower execution risk.
PayTo mandate confirmed0.4s
NPP credit settled0.8s
PayID resolved0.2s
Designed to interoperate across rails, schemes and wallets
NPP
PayTo
PayID
BECS
ISO 20022
What we do
Complex payments, made simple to run
Odyssey provides a payments orchestration layer that helps organisations connect to NPP, PayTo, PayID, BECS migration pathways and sponsor-bank services through one modern platform.
Payments orchestration
One control layer to route, manage and monitor payment flows across rails, banking partners and use cases.
Legacy modernisation
A structured way to move from batch and manual payment processes towards real-time, API-enabled services.
0
integration layer across rails, partners and controls
0+
Australian payment rails supported by design
24/7
real-time rails that never close, designed for always-on operations
0%
of payment events designed to be observable and auditable
Platform
One control layer, every moving part visible
Routing, controls, observability and reconciliation support designed into the platform from day one, not bolted on afterwards.
Smart routing
Send each payment down the right rail based on cost, speed, risk and customer need.
PaymentNPPPayToBECS
Live observability
Every payment event visible as it happens, across rails, partners and operational queues.
Governance built in
Limits, approvals and partner controls live alongside payment flows.
Velocity limits
Dual approval
Reconciliation support
Exceptions surfaced early, matched automatically where possible, and audit-ready by default.
Settlement file matched
Exceptions queued for review
Audit trail updated
Who we serve
Built for the institutions moving money at scale
For organisations that need payment infrastructure to be configurable, observable and commercially useful.
Banks
Extend payment access and orchestration services through modern partner-led models.
Fintechs
Cut the technical friction of launching payment-enabled products in Australia.
PSPs
Faster settlement, routing visibility and multi-rail payment operations.
Corporates
Modernise collections, payouts and account-to-account payment flows.
Merchants
Faster payment experiences with more control over funds movement.
Super funds
Prepare high-volume payment flows for a real-time Australian economy.
Use cases
Real-time payment journeys, without rebuilding every layer
Odyssey helps teams design payment access, migration and orchestration models that suit Australian payment rails and partner ecosystems.
Sponsor-bank enabled NPP access
Technology-led connectivity for organisations that need a faster path to real-time capability.
BECS to NPP migration
A measured shift from batch processes to modern account-to-account services, where it makes sense.
PayTo and PayID payment flows
Customer-friendly payment experiences with real-time confirmation pathways.
Instant settlement
Settlement services designed to improve funds availability and operational visibility for merchants and PSPs.
Ready to modernise your payment infrastructure?
Talk to Odyssey about modern payment orchestration, NPP-as-a-Service and partner-led access models for the Australian market.