Billions of payments
More possibilities
We are
Australian Payments
Plus (AP+)
Australia’s domestic payment companies BPAY Group, eftpos and NPP Australia have come together to shape the future of payments for Australia.
Working together benefits Australia’s consumers, businesses and government, creating opportunities above and beyond the needs of payments users of all kinds.
We’re inspired by what’s possible today. And what could be possible beyond tomorrow.
One organisation
More innovation
We’re dedicated to a future defined by payments experiences that are more efficient. More accessible. More than ready to adapt and evolve. Progress to essential infrastructure opens up more opportunities for everyone.
2022
year of establishment
540
employees*
150+
partner institutions*
4.8 billion
transactions processed in 2023*
*Data as at October 2024.
Back for its second year, Beyond Tomorrow is where the future of payments and digital identity comes to life.
ICC Sydney | 25 March 2025
We're here for Australia
We have a clear vision. To deliver more innovation to Australia’s payments ecosystem – so that Australian businesses, government and consumers experience more benefits, in more ways. While making sure they’re all considered and represented in the decisions that drive our industry forward too.
We’re changing the game
A purpose like ours takes the inspired impact of an incredible team. We believe in creating opportunities for all, through diversity, equity and inclusion in the way we hire and look after our people.
“To deliver more innovation to Australia’s payments ecosystem, so that Australian businesses, government and consumers experience more benefits, in more ways.”
Lynn Kraus
CEO, Australian Payments Plus
Delivering more value to Australia
We’re enabling progress to essential infrastructure to create more opportunities for everyone. Together we are more open than ever to innovation, creating solutions and new ways of thinking.
- Australia's domestic debit network
- Real-time, data-rich payments
- Secure bill payments
- Digital identity verification
- Digital wallet solutions
- Open payments
Trust is in our DNA
We bring together trusted Australian brands with almost 40 years' experience serving businesses and consumers.
Latest news
and updates
Australian Payments Plus (AP+) is rolling out a technical update to some debit cards on mobile wallets to ensure consumers (read more)
18 December 2024
This paper examines the systemic barriers Aboriginal and Torres Strait Islander peoples face in proving their identity and advocates for (read more)
10 December 2024
Webinar recording In today’s fast-paced economy, we all need fast and efficient payments. The NPP is revolutionising the way consumers, businesses and government pay and get paid with solutions (read more)
4 December 2024
AP+ held its final Payment Service Provider (PSP) Forum for the year on 4 November 2024. Chaired by Greg Cooper, (read more)
29 November 2024
Welcome to the latest edition of our Move to NPP newsletter. We’re thrilled to have you on board as we (read more)
18 November 2024
AP+ continually seeks ways to better understand the needs of payment users. Our most recent End User Forum was held (read more)
8 November 2024
Australian Payments Plus (AP+) is pleased to announce the rollout of Merchant Choice Routing (MCR) on transactions made via mobile (read more)
26 September 2024
AP+ held its latest Payment Service Provider (PSP) Forum on 19 August 2024. Chaired by Greg Cooper, independent AP+ director, (read more)
13 September 2024
Australians are now one step closer to having access to another important layer of protection against scammers with the design (read more)
8 August 2024
Renting your first apartment is a rite of passage for young Australians – one that traditionally leads to independence, security (read more)
8 August 2024
Australia’s payments system is entering a period of unprecedented transformation. Momentum is accelerating for the movement of payments to the (read more)
31 July 2024
Australian Payments Plus (AP+) today announced J.P. Morgan Payments, a part of leading global financial services firm JPMorganChase has joined (read more)
25 July 2024
AP+ central payments systems update Australian Payments Plus (AP+) can confirm that the payments systems for eftpos, BPAY and NPP (read more)
19 July 2024
We are delighted to share that our Chief Executive Officer, Lynn Kraus, has been made a Member of the Order (read more)
13 June 2024
Trust is the best path to continued growth, an antidote to consumer indifference and a business’ strongest insurance against competitive (read more)
12 June 2024
Australian Payments Plus (AP+), at the forefront of Australia’s payments industry and a trusted national solution provider of digital identity (read more)
17 May 2024
AP+ held its latest Payment Service Provider (PSP) Forum on 15 April 2024. Chaired by Greg Cooper, independent AP+ director, (read more)
15 April 2024
By Jason Backhouse - General Manager, Open Payments One of the first conversations we had as AP+ was forming, was about (read more)
12 April 2024
Australian Payments Plus (AP+), at the forefront of Australia’s payments industry and a leading providerof digital identity solutions through its (read more)
28 March 2024
by Lynn Kraus. Well… after a whirlwind of activity, I’m delighted to report that Australian Payments Plus’ inaugural Beyond Tomorrow (read more)
15 March 2024
Australian Payments Plus (AP+) is today pleased to report the overwhelming success of its first summit – Beyond Tomorrow: Inspiring (read more)
14 March 2024
Opening Statement of Lynn Kraus, CEO of Australian Payments Plus (AP+) made to the Senate Economics Legislation Committee Inquiry into (read more)
13 February 2024
AP+ came together in February 2022, bringing BPAY Group, eftpos Australia and NPP Australia into one consolidated entity to shape (read more)
24 January 2024
It’s going to be a massive year for the Payments & Schemes team within AP+ with support for migration of (read more)
15 January 2024
Privacy. Security. Interoperability. Australian Payments Plus (AP+) today affirmed its support for the Federal Government’s Digital Identity Bill 2023, hailing (read more)
1 December 2023
Australian Payments Plus (AP+) has resolved to work with NPP Participants to deliver a Confirmation of Payee service for payments (read more)
30 November 2023
Australian Payments Plus is delighted to announce our inaugural payments and identity summit Beyond Tomorrow, to be held at ICC (read more)
8 November 2023
As AP+ continues its focus on ensuring we better understand the needs of payment users, we held our latest End (read more)
1 November 2023
Australian Payments Plus achieves Bronze AWEI Foundation status. Australian Payments Plus (AP+) is delighted to announce that we have been (read more)
23 October 2023
Australian Payments Plus (AP+), which manages the New Payments Platform, welcomes the publication today by the BIS Committee on Payment (read more)
18 October 2023
Australian Payments Plus (AP+) is proud to announce that ConnectID, its digital identity solution, is now available, marking an important (read more)
16 October 2023
There are two Account to Account (A2A) systems in Australia - the Bulk Electronic Clearing System (BECS) and New Payments (read more)
1 September 2023
Take a closer look inside fast payments with NPP Soundbites. A podcast where organisations and government departments share their insights (read more)
11 August 2023
Australian Payments Plus (AP+), Australia’s domestic payments provider has a renewed focus on using PayID and reminding customers of the (read more)
12 July 2023
AP+ held its latest Payment Service Provider Forum on 10 July 2023. Chaired by Greg Cooper, independent AP+ director, the (read more)
10 July 2023
Australian Payments Plus (AP+) today announced global financial services technology leader Worldpay from FIS® (NYSE: FIS), has joined Australia’s domestic (read more)
6 July 2023
Australia’s domestic payments provider, Australian Payments Plus (AP+) has embarked on a campaign to lift public awareness of its PayTo (read more)
22 June 2023
Australia’s domestic payments provider, Australian Payments Plus (AP+) will partner with Beyond Blue, to promote workplace mental health and provide (read more)
13 June 2023
Australian Payments Plus (AP+) supports the Government’s Strategic Plan for the Australian Payments System. The plan is critical for driving (read more)
8 June 2023
Australian Payments Plus (AP+ for short) is pleased to announce that Tap to Pay on iPhone will work with the (read more)
17 May 2023
Australian Payments Plus (AP+) will partner Australia’s leading drinks and hospitality business Endeavour Group and LAB Group to bring a (read more)
4 April 2023
AP+ held our latest End User Forum on 30 March 2023. The forum is a gathering of business associations, merchants (read more)
30 March 2023
Beem to develop the first QR payments platform for the leading retailer Today, Australian Payments Plus (AP+) is pleased to (read more)
8 March 2023
Australian Payments Plus (AP+) yesterday hosted its third Payment Service Provider (PSP) forum. Chaired by AP+ Independent Director, Greg Cooper, (read more)
15 February 2023
Australian Payments Plus’ digital identity solution, ConnectID, is the first non-government operator of a digital identity exchange to successfully achieve (read more)
9 January 2023
Awareness of PayID amongst consumers and small businesses is set to boost with a brand new campaign launching this week. (read more)
23 November 2022
The NPP October 2022 Roadmap has been published. An update on the NPP roadmap is now available providing the latest (read more)
4 November 2022
ConnectID trials to begin this year and launch expected in 2023 Major Australian banks, ANZ, Commonwealth Bank (CBA), National Australia (read more)
1 September 2022
One in four PayID users have stopped or edited a PayID payment, preventing a mistaken payment or money being sent (read more)
18 July 2022
Australia’s debit card system, eftpos, is continuing its rollout of secure online payments options at a pace, today announcing the (read more)
2 July 2022
Australia’s first payment service providers have commenced offering PayTo to their merchant and business customers, as the financial services sector (read more)
30 June 2022
Australia’s first payment service providers have commenced offering PayTo to their merchant and business customers, as the financial services sector (read more)
30 June 2022
The potential of PayTo was on full display at this year’s inaugural Real Time Payments Summit – “More than just (read more)
25 May 2022
Two Subway® locations have become the first major Australian quick-service restaurants to serve-up eftpos QR code payments ahead of its (read more)
18 May 2022
NPP is pleased to see eInvoicing gathering momentum in Australia. Treasury’s recent consultation on the business adoption of eInvoicing also (read more)
13 April 2022
Paypa Plane to connect directly to the NPP as preparations for PayTo continue NPP Australia is pleased to confirm that (read more)
14 March 2022
Australia’s debit card system, eftpos, is continuing its rollout of secure online payments options at a pace, today announcing the (read more)
7 February 2022
From gift-giving to Christmas lunch, Beem It transactions reveal a more conscious festive season. The days of Christmas and New (read more)
7 February 2022
Lynn Kraus appointed to lead the merged group of BPAY, eftpos and NPPA Australian Payments Plus is pleased to announce (read more)
22 December 2021
Australian Payments Plus (AP+) is delighted to announce that Greg Cooper and John Murphy will be appointed as independent directors. (read more)
14 December 2021
Australian Payments Plus (AP+) is delighted to announce that Naomi Simson will be appointed as an independent director. Naomi brings (read more)
24 November 2021
Replays are now available for the NPP virtual update held on 12 October. Adrian Lovney, CEO, NPP Australia, provided an (read more)
11 November 2021
NPP Australia’s six-monthly NPP Roadmap has been published. NPP Australia’s six-monthly NPP Roadmap has been published here. Katrina Stuart, NPP Australia’s (read more)
29 October 2021
Zepto (the Australian fintech previously known as Split Payments) has become the first non-ADI and accredited CDR data recipient approved (read more)
26 October 2021
Wise Australia – the Australian arm of global technology company Wise – is the latest organisation to become an NPP (read more)
27 September 2021
Login details have now been sent to registered attendees. If you have registered but did not receive login details, please (read more)
16 September 2021
ACCC authorises amalgamation of BPAY Group, eftpos and NPP Australia to form Australian Payments Plus The Industry Committee and Australian (read more)
9 September 2021
The ACCC has authorised the amalgamation of BPAY Group, eftpos and NPPA to form Australian Payments Plus The three entities (read more)
9 September 2021
Australian Payments Plus (AP+) is delighted to announce Catherine Brenner has been appointed the entity’s inaugural Independent Non Executive Chair. (read more)
24 August 2021
We welcome and support the ACCC’s ongoing consultation regarding the proposed merger of BPAY, eftpos and New Payments Platform Australia (read more)
8 August 2021
NPP Australia Limited has acknowledged with deep sympathy the passing of independent director Chloe Munro AO, following illness. Chloe joined (read more)
21 July 2021
The Payments Industry Committee (“the Applicants”) has formally responded to the ACCC’s preliminary views regarding the proposed merger of eftpos, (read more)
7 July 2021
Get your early bird tickets for NPP Australia's inaugural Real Time Payments Summit Join NPPA as we bring together an (read more)
2 June 2021
Latest NPP Roadmap presents name of Mandated Payments Service Every six months, the NPP Roadmap provides an updated overview of (read more)
30 April 2021
To create a more efficient and agile Australian payments group to deliver new payments innovations faster for the benefit of (read more)
23 March 2021
NPP Australia's submission to Treasury’s Review of the Australian Payments System. NPP Australia has provided a submission to Treasury’s Review of (read more)
9 February 2021
Combining NPP functionality with eInvoicing enables seamless ‘procure to pay’ The digital exchange of invoices between a supplier and buyer’s (read more)
2 February 2021
eftpos, BPAY Group and NPPA to be preserved as distinct operations under a single Board with a shared roadmap for (read more)
15 December 2020
The most recent version of the NPP Roadmap is now available Every six months, NPP Australia updates and publishes its (read more)
2 November 2020
Five million PayIDs have now been registered by Australian consumers and businesses looking for a simple and cashless way to (read more)
24 July 2020
The RBA’s Review of Retail Payments Regulation (published 29 November 2019) invited views about whether any changes or consolidation of (read more)
4 June 2020
The NPP Mandated Payments Service (MPS) will support ‘write’ access for third party payment initiation for real-time, account-to-account payments. NPP (read more)
21 May 2020
As businesses battle the challenges presented by the COVID-19 crisis, more are advertising PayID as a payment alternative to cash, (read more)
11 May 2020
NPP Australia has been working extensively with the industry to develop the Mandated Payments Service (MPS), as outlined in the (read more)
7 May 2020
NPP Australia is committed to extending and enhancing the capability of the NPP to meet the needs of participating financial (read more)
30 April 2020
With more than one billion invoices generated in Australia every year, eInvoicing presents a significant opportunity for the Australian economy (read more)
21 February 2020
NPP Australia’s opening statement to the Senate Select Committee on Financial Technology and Regulatory Technology Today NPP Australia participated in (read more)
20 February 2020
NPP Australia’s (NPPA) shareholders have voted to appoint Elizabeth Hallett as the entity’s third independent director at an Extraordinary General (read more)
13 February 2020
The NPP Regulations define the conditions for sending cross-border payments to payees via the NPP, including identifying them as cross-border (read more)
10 February 2020
NPP Australia (NPPA) recently responded to the Senate Select Committee on Financial Technology and Regulatory Technology On the eve of (read more)
21 January 2020
A new version of the NPP API Framework including additional sample APIs are now available here. This latest version incorporates sample (read more)
2 December 2019
An updated response to the RBA’s Conclusion Paper regarding NPP Functionality and Access is now available. In July 2019, NPP (read more)
31 October 2019
NPP Australia (NPPA) has today published details of its ongoing investment in the NPP, to extend and enhance the capability (read more)
28 October 2019
One of the ways that an organisation may choose to interact with the platform is by becoming an Overlay Service (read more)
8 October 2019
An article written by an academic has appeared on multiple media platforms last week implying that NPP Australia does not (read more)
20 September 2019
The New Payments Platform operates with security and fraud front of mind, which is why our regulations require NPP participants (read more)
20 August 2019
Response to the RBA’s NPP Functionality and Access Consultation: Conclusions Paper In June 2019, the Reserve Bank of Australia (RBA) (read more)
30 July 2019
The next generation of real-time payments: An international scan Real-Time Payments 2.0 is a white-paper that explores key trends and opportunities in global (read more)
2 July 2019
NPP Australia welcomes the RBA’s Conclusions Paper into NPP Functionality and Access Consultation in line with our shared commitment to (read more)
13 June 2019
NPP Australia has released a standardised QR code specification for the New Payments Platform (NPP), in line with its ambition (read more)
3 June 2019
A new version of the NPP API Framework, initially launched in September 2018, is now available. NPP Australia’s General Manager of (read more)
22 May 2019
NPP Australia and Stone & Chalk partnered during the month of May to bring a masterclass on the New Payments (read more)
21 May 2019
Following a successful go-live in November 2017, the New Payments Platform (NPP) was opened to the Australian public on 13 (read more)
19 February 2019
NPP Australia is seeking input from interested stakeholders on the development of NPP ISO 20022 message usage guidelines for payroll, (read more)
4 February 2019
New Payments Platform Australia (NPPA) Board has appointed Bob McKinnon as the company’s new independent Chair. His appointment is the (read more)
31 January 2019
Supporting third party payment initiation on the NPP. The Treasurer yesterday announced an Inquiry into Future Directions for the Consumer (read more)
23 January 2019
This paper is NPP Australia Limited’s submission in response to the RBA’s consultation on the New Payments Platform functionality and (read more)
3 December 2018
SWIFT, in its role as a leading technology company in the financial sector, in conjunction with NPP Australia - the (read more)
17 October 2018
The New Payments Platform brings important payments capabilities to Australia. It’s a platform that offers speed, data capabilities and simpler (read more)
20 September 2018
A new API Framework has been released by NPP Australia that will help enable a wide range oforganisations to develop (read more)
18 September 2018
CEO of New Payments Platform says organisations are wrong to assume they must connect directly to the new real-time payments (read more)
27 August 2018
The NPP moves account holders’ money in real-time and according to the Productivity Commission, may be expected, at some point (read more)
3 August 2018
This paper is NPP Australia Limited’s submission in response to the ASX’s consultation paper “CHESS Replacement Scope and Implementation Plan” (read more)
22 June 2018
The New Payments Platform (NPP) has been recognised at the New South Wales 2018 State iAwards– one of Australia’s premier (read more)
18 June 2018
The New Payments Platform (NPP) is new, world-leading domestic payments infrastructure that enables connected Australian financial institutions to offer their (read more)
18 May 2018
What does the 2018-19 Federal Budget mean for the NPP? This week’s 2018-19 Federal Budget unveiled plans to invest more (read more)
10 May 2018
#COLLABNPP May-July 2018 NPP Australia is interested in collaborating with RegTech organisations to explore potential opportunities for developing innovative compliance (read more)
4 May 2018
Recently the New Payments Platform (NPP) opened to the public. As well as enabling customers of different banks to make (read more)
6 March 2018
PayID is an optional new payment addressing service that enables users to elect somethingeasy to remember - like a phone (read more)
17 February 2018
A new payments system has officially launched in Australia today, giving consumers and businesses access to the most modern payments (read more)
13 February 2018
The New Payments Platform means people and businesses can pay money instantly into another person’s or a business account 24 (read more)
13 February 2018
The New Payments Platform Australia (NPPA) today announced its shareholders have appointed Chloe Munro AO as an independent Director, after (read more)
13 February 2018
Payments infrastructure that enables customers with accounts at different banks, building societies and credit unions to make real-time data-rich payments (read more)
13 February 2018
Australian's can soon forget their BSB and account number, because so many of us already do. From today, a national (read more)
9 February 2018
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AP+ acknowledges the Gadigal People of the Eora nation as the Traditional Custodians of the lands on which we are based and pay our respects to Elders past, present and emerging. We recognise all Aboriginal and Torres Strait Islander peoples' ongoing connection to the lands and waters of Australia and thank them for their pivotal role in caring for Country. Always was and always will be Aboriginal Land.
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