If upon release of your held payment for processing, we identify that it is being sent to an account that cannot receive Osko fast payments, we’ll attempt to send the funds using an alternative payment system. 

In this instance, your payment description will be modified to the first 18 alpha-numeric characters and exclude any emojis, special or foreign characters. Anything in the Reference field will also be removed. 

In addition, funds sent via the alternative payment system will usually be received by the recipient within 1 to 2 business days after the hold has been removed and we process it.