At least two of the 13 foundation members of the New Payments Platform will not be delivering PayID-based services to their customers this year.HSBC Australia and Citigroup have confirmed that their retail banking customers will not get access to NPP overlay services such as Osko until sometime in 2019.Each bank has tried to shroud their laggard efforts to connect their respective banking systems to the NPP by claiming they always planned to be part of a "second wave" of adoption."We were always going to be in the second wave," a HSBC spokesperson told Banking Day."We never intended to be offering the service at launch date - I think the decision to be in the second wave was to ensure we connected our customers to a mature system."Citi Australia, which is participating in an international fast payments rollout through its global parent, is equally obtuse about when its customers will be plugged in to the NPP and the Osko overlay service.A Citi spokesperson said the bank planned to "go live in the second round" but could not give an estimate on what that meant in terms of timing beyond confirming it would be next year. "Citi plans to go live in the second round," the spokesperson said."This allows the bank to ensure complete integration into Citi's digital platforms and a seamless experience for its customers."While Citi and HSBC will be among the last of Australia's leading transaction banks to join the real time payments platform, mystery surrounds the timing of launches at a string of other important players.Macquarie Bank, another of the 13 participant members of the NPP, continues to give no guidance to its depositors on when their accounts will be PayID-enabled.The prospects for Suncorp's internet banking customers getting access to PayID services before the end of the year also look remote.The bank last week updated the terms and conditions for its internet and mobile banking services but the changes did not include any references to PayID or Osko services.That's probably a clear signal that Suncorp is some time away from a PayID launch.Bank of Queensland continues to tease customers with the promise of a launch "later this year" but still hasn't set up a facility for customers to register a PayID.With less than four months until the end of the year, BoQ cannot say when the service will be available."BOQ is intending to participate in the scheme later in the year and will be able to provide more information about enablement of customer and/or settlement accounts closer to that time," customers are told on the company's website."Until then, payments should continue as per current arrangements."ME Bank looks like it will be joining HSBC and Citi as a laggard adopter.On its website the bank is only promising to "take all the time we need to get the design right".