# AI tells an Australian user that PayID payments are irreversible like bank transfers, ignoring the NPP's Osko scam protection rules that allow recall within 14 days for fraudulent transactions

- **ID:** `banking/australia-npp-payid-scam-warning`
- **Domain:** banking
- **Category:** runtime_error
- **Error Code:** `NPP-OSKO-14DAY`
- **Verification:** ai_generated
- **Fix Rate:** 76%

## Root Cause

The New Payments Platform (NPP) in Australia, launched in 2018, includes the Osko service which offers 'PayID' and 'PayTo' features; while standard Osko payments are near-instant and generally irreversible, the NPP's Scam-Safe Accord (effective 2024) mandates that participating banks must allow customers to recall payments within 14 days if they are victims of authorised push payment (APP) fraud, under ASIC regulatory guidance.

## Version Compatibility

| Version | Status | Introduced | Deprecated |
|---------|--------|------------|------------|
| NPP Osko v4.2 | active | — | — |
| PayID API v2.0 | active | — | — |
| NPP Scam-Safe Accord 2024 | active | — | — |
| ASIC Regulatory Guide 277 | active | — | — |

## Workarounds

1. **Immediately call your bank's fraud hotline and request a PayID recall under the Scam-Safe Accord. Provide the transaction reference (UTR), recipient's PayID, and amount. Example: `bank recall-payid --utr NPP123456789 --payid user@bank.com.au --amount 5000 --reason "APP scam - goods not delivered"`** (80% success)
   ```
   Immediately call your bank's fraud hotline and request a PayID recall under the Scam-Safe Accord. Provide the transaction reference (UTR), recipient's PayID, and amount. Example: `bank recall-payid --utr NPP123456789 --payid user@bank.com.au --amount 5000 --reason "APP scam - goods not delivered"`
   ```
2. **Use the NPP's online dispute portal (https://disputes.nppa.com.au) to file a recall request within 14 days; attach evidence of the scam (e.g., fake invoice, communication logs)** (75% success)
   ```
   Use the NPP's online dispute portal (https://disputes.nppa.com.au) to file a recall request within 14 days; attach evidence of the scam (e.g., fake invoice, communication logs)
   ```
3. **For high-value payments (>$10,000), request a temporary hold on the recipient's account via the bank's fraud team, then escalate to the Australian Financial Complaints Authority (AFCA) if the recall fails** (65% success)
   ```
   For high-value payments (>$10,000), request a temporary hold on the recipient's account via the bank's fraud team, then escalate to the Australian Financial Complaints Authority (AFCA) if the recall fails
   ```

## Dead Ends

- **** — Contacting the recipient directly to ask for a refund — scammers typically ignore or block the sender; the bank must initiate the recall via NPP's dispute system (90% fail)
- **** — Filing a chargeback with the credit card issuer — PayID payments are direct bank transfers, not card transactions, so chargeback rules do not apply (85% fail)
- **** — Waiting more than 14 days to report the scam — after 14 days, the bank is not obligated to recall the payment under the Scam-Safe Accord, and recovery becomes a civil matter (70% fail)