I'm sure BPAY takes a cut somewhere along the way, and this is ultimately passed to consumers. And you can sometimes pay BPAY by credit card, and sometimes ther

I'm sure BPAY takes a cut somewhere along the way, and this is ultimately passed to consumers. And you can sometimes pay BPAY by credit card, and sometimes there is a surcharge for that. Interestingly, Osko, the user-facing part of the NPP (as far as I understand it), is owned by BPAY. I'm still getting my head around the definitions of NPP, PayID, and Osko.