What is Single Credit Transfer (SCT)?
Single Credit Transfer (SCT) is a service on the NPP that enables near real time payments 24/7, including weekends and public holidays.
Currently, Heritage only accepts NPP Single Credit Transfers (SCT). If someone sends a NPP OSKO payment to your Heritage account, most banks will convert the payment to SCT to allow Heritage to receive it. However, some banks may not convert the transaction so an alternative payment method is required. In these instances, you will need to provide your BSB and account number (instead of your PayID) to receive the payment via NPP.