Westpac will be the last bank to join the New Payments Platform. Real-time payments, are now promised, for preferred bank customers, by the end of 2018.For now - lacking Westpac and still also ANZ - the NPP and real time payments are languid in Australia, when the story the industry needs is one of accelerating use of PayIDs to make instant payments, and lots of them.As few as 1.4 million Australian bank account holders have their mobile number, email or ACN registered with PayID, said Philip Lowe, governor of the Reserve Bank, in Adelaide last week.The aim of 80 per cent of Australian bank accounts in reach on the NPP can only be sorted with the quick, assured entry of ANZ and Westpac to the NPP. ANZ, with a staff pilot of 2000 ticking over okay, may not be far off in scheduling enrolment in PayID.But all Westpac could manage to say in yesterday's half year report on the NPP was this:"Westpac commenced the progressive roll out of 24/7 real time payments on the New Payments Platform. "Beginning with a small group of customers, the capability will be extended through 2018."