We’re shaping world-class payment systems for Australia
Secure. Resilient. Ready for tomorrow.
AP+ operates domestic payments and identity infrastructure
We connect 150 banks, financial institutions, retailers, businesses, government agencies and fintechs to make it possible for everyone in Australia to pay, get paid, and prove their identity every day.
eftpos
Australia's debit card network
NPP
Fast payments infrastructure
BPAY
Secure bill payments
Osko
24/7 bank transfers
PayID
Simple, secure payments
PayTo
Pay from your bank account
Confirmation of Payee
Check account details
ConnectID
Secure identity verification
We’re here for Australia
AP+ is shaping world-class payment systems for Australia – secure, resilient and ready for tomorrow.
We’re here to ensure the ongoing sustainability of the payments systems, drive greater trust in the digital economy, and encourage and enable innovation in the ecosystem.
AP+ data as of February 2026.
*The Effect of Least-cost Routing on Merchant Payment Costs
6.13bn
transactions processed in 2025
150
partner institutions
1 in 3
A2A transactions processed via the NPP
6.4bn
transactions processed through BPAY in 25 years
20%
savings for businesses enabled with eftpos MCR*
AP+ data as of February 2026.
*The Effect of Least-cost Routing on Merchant Payment Costs
Real-time payments support payday super
Real-time payments via the NPP support employers, clearing houses and super funds with fast, secure, data-rich super payments.
Feature | Payday super
Helping lower costs for Australian businesses
eftpos is Australia’s local debit card network, available on over 70 million debit cards and digital wallets in Australia.
For over 40 years, eftpos has been committed to keeping payments secure, reliable and affordable - to support better outcomes for businesses and consumers.
Feature | It's the eftpos way
Latest news
and updates
Snapforms brings ConnectID identity verification to Australian organisations
Case study: PrizePay strengthens payouts with Confirmation of Payee
Yoti adds ConnectID to its age assurance solution as online age checks expand across Australia
Real-time payments: the benefits go well beyond speed
Case study: Curtin University simplifies student payments with PayID
Scams Awareness Week: Protection built into every payment
Australian businesses embrace always-on, real-time payments
Western Union is reducing debit card payment costs with eftpos
Payment acceptance: Is your business keeping pace?
AP+ Roadmap
AP+ Payment Service Provider Forum – July 2026 meeting
A2A Payments Roundtable releases vision for account-to-account payments in Australia
Businesses come on board as Confirmation of Payee enters its second year
ConnectID welcomes next steps supporting private sector participation in digital identity
AstraSync AI adopts ConnectID to verify the humans behind AI agents
Case study: GT Insurance enhances customer experience with PayTo
ConnectID launches nationally into Telstra retail network
Payday super accelerating focus on real-time payments
AP+ confirms zero-surcharge limit for eftpos transactions from October 2026
Account-to-Account Payments Roundtable
Are you getting the most value from your payments setup?
AP+ Payment Service Provider Forum - April 2026 meeting
AP+ and Project Acacia: Building trust into the future of digital money
The business case for domestic debit card payments
Roundtable opens public consultation on draft vision for account-to-account payments in Australia
Understanding Merchant Choice Routing
Persona and ConnectID Deliver Privacy-First Age Verification for the Australian Market
eftpos vs EFTPOS
AP+ and Bolt Group announce the next chapter for popular peer to peer payments app, Beem
More to Introduce ConnectID
AP+ welcomes RBA decision on debit surcharging
An update on the move to NPP
Beyond Tomorrow 2026
Payments modernisation, the future of money and digital trust take centre stage as AP+ Beyond Tomorrow summit returns
AP+ seeks feedback on proposed bulk solution and participation model
AP+ welcomes the RBA's Risk Assessment Update on the Decommissioning of the Bulk Electronic Clearing System
Banks hit major milestones as scam-fighting technology stops thousands of risky transfers
Guide to real-time superannuation payments
AP+ Employer Statement on gender pay gap
Opening Statement to the House of Representatives Standing Committee on Economics
AutoSettle Adopts ConnectID to Secure Vehicle Sales with Digital Identity Verification
2025 new AP+ Roadmap
NPP adoption climbs as Australia shifts to real-time payments
The shift to payday super – why early preparation pays off
Webinar recording: Preparing for payday super with real-time payments
An update on the Move to NPP
ConnectID powers privacy-preserving age assurance for Snapchat users
Prove you’re 16+ for social media without sharing anything else about you!
AP+ releases findings on NPP capabilities consultation
Consultation feedback highlights priorities for Australia’s future account-to-account payments
Payday super to deliver stronger retirement outcomes for Australians
Case study: Red Energy modernises bill payments
Renters set to benefit from digital ID pilots cutting paperwork and protecting data
AP+ Payment Service Provider Forum - October 2025 meeting
Payday super is coming - are you ready?
Case study: Calastone's fund trade settlement overhaul
Age checks set to transform how kids play and interact online
AP+ End User Forums – June and August 2025
AP+ Payment Service Provider Forum - August 2025 meeting
AP+ welcomes the passing of the Treasury Laws Amendment (Payments System Modernisation) Act 2025
AP+ welcomes findings of Age Assurance Technology Trial
Scams Awareness Week: How AP+ is building scam protection into everyday payments
ATO clears path for real-time super as proposed payday super reforms near
AP+ whitepaper shows why real-time payments are fast becoming a business essential in Australia
AP+ Whitepaper: Unlocking business opportunities with real-time payments
Webinar: Unlocking business opportunities with real-time payments
ACCC grants AusPayNet and AP+ authorisation to collaborate about the future of account-to-account payment infrastructure
AP+ selected to participate in RBA’s tokenisation pilot
Case study: Dymocks Education's payment evolution
Simplified tax returns, ConnectID teams up with One Click Group
Australian banks launch new defence in battle against scammers
AP+ opens second consultation on future NPP capability
AusPayNet and AP+ launch public consultation on the future of account-to-account payments
AP+ appoints J.P. Morgan’s Bianca Bates to its Board
AP+ and G+D to bring eftpos and least-cost routing to Click to Pay
Amazon.com.au integrates PayTo at checkout for customers to pay securely from their bank account
Developing a shared vision for Australia’s payments future
AP+ lowers eftpos scheme fees in ongoing commitment to lowering cost of payments
ACCC grants AusPayNet and AP+ interim authorisation to coordinate industry efforts on the future of account-to-account payments
NPP ready to deliver faster, more efficient superannuation payments
An update on the initiatives to support the move to NPP
ConnectID and Caresquare partner to reduce fraud and improve efficiency in the NDIS
Envisioning the future of payments at Beyond Tomorrow
From real-time payments to digital identity: AP+ brings back “Beyond Tomorrow” summit
AP+ welcomes RBA Risk Assessment into planned BECS decommissioning
Faster, more efficient superannuation payments
AP+ works with Google to offer Least Cost Routing on Google Wallets
AP+ launches three-year charity partnership with Social Ventures Australia
Geoff Summerhayes appointed to chair Move to NPP Steering Committee
Telstra streamlines customer identity checks with adoption of ConnectID
2025 AP+ Roadmap
Big Four Banks join ConnectID so customers can share less online
AP+ update to debit cards with eftpos on mobile wallets
eftpos update to some debit cards in mobile wallets
Digital Identity awareness grows, but benefits can still be misunderstood
Identity in Crisis: Addressing the Gaps for Aboriginal and Torres Strait Islander Peoples
Identity in Crisis - Addressing the Gaps for Aboriginal and Torres Strait Islander Peoples
The move to NPP: An introduction to Australia's payments future
AP+ Payment Service Provider Forum November 2024 meeting
The Move to NPP
AP+ End User Forum – shaping the future of payments for Australia
One Year On - great shifts in the Digital ID landscape, but where’s the alignment?
Rollout of Merchant Choice Routing for mobile devices plus lower eftpos debit charges will lower the cost of payments in Australia
AP+ Payment Service Provider Forum August 2024 meeting
ConnectID Expands Network by Welcoming Loan Matching Fintech Lendela
New Confirmation of Payee service hits important milestone
How Australians can soon take back control of their identity
An update on the move to NPP
How not-for-profit IDCARE is helping people impacted by scams, cybercrime and identity theft
AP+ welcomes J.P. Morgan Payments as eftpos member, joining New Payments Platform, strengthening diversity and furthering competition
CrowdStrike issue
Refunds from Australian retailers are made smoother with digital ID as Refundid joins ConnectID network
ANZ Plus joins ConnectID
Lynn Kraus named Member of the Order of Australia
Why trust is at the centre of everything Australian Payments Plus does
Digital ID laws and budget key to a more secure digital economy
Small business owners get digital identity protection after ServiceSeeking joins ConnectID ecosystem
PSP forum report
The AP+ POV – Taking the first steps in our reconciliation journey
DIGITAL ID - A step forward for a more secure Digital Economy
The AP+ POV – Lessons from Beyond Tomorrow
AP+ Beyond Tomorrow Summit inspires trust in the digital economy
ConnectID first in Australia to bring digital ID to real estate industry
Digital ID Bill 2023
AP+ product roadmap - 2024
The continued migration of payments from BECS to the NPP
ConnectID and Hold Access announce plans to bridge digital gap for First Nations people
Australian Payments Plus’ support for Digital Identity Bill 2023
Development of industry Confirmation of Payee Solution
Referoo joins the ConnectID network, marking the first business to bring this leading solution to Australian recruiters
ConnectID Partners with Ping Identity to Enable Frictionless Digital Experiences
Beyond Tomorrow 2024
AP+ End User Forum – powering the future of real-time payments in Australia
More pride. More diversity. More possibilities.
Australian Payments Plus welcomes the release of BIS CPMI harmonised ISO 20022 data requirements in seeking to achieve more efficient, lower-cost cross-border payments
Millions of verifications. No document sharing. ConnectID launches secure digital identity network for Australia
The AP+ POV: The Future of 3rd Party Initiated A2A Payments – Adrian Lovney
NPP Soundbites
The New Frontier of Digital Identity
Stay scam safe, use PayID
AP+ Payment Service Provider Forum July 2023 meeting
AP+ Welcomes Worldpay from FIS as eftpos Member to further Australian market activity
PayTo Consumer Awareness Campaign Launches
Australian Payments Plus (AP+) and Beyond Blue partner to improve mental health
AP+ welcomes the Federal Government’s Strategic Plan for Payments System
Unlocking the potential of trusted digital identity in Australia
Block8
Government agencies funded in real-time via the NPP
Chubb breaks new ground with ANZ, offering instant payouts via the NPP
Tap to Pay on iPhone enables merchant choice with eftpos
Strengthening Trust in Digital Privacy Through Collaboration
Australian Payments Plus (AP+) and LAB Group partner with Endeavour Group to deliver digital age verification
AP+ End User Forum – the future of Digital Trust in Australia
AP+ and Coles announce strategic partnership on new digital wallet for customers
AP+ Payment Service Provider Forum
ConnectID continues to tick all the right boxes for data security
‘The Day You PayID’d Me’ launches for consumer and small business audiences
NPP Roadmap provides update on the platform’s uptake and capability development
Industry Backs AP+ ConnectID for Aussie Digital Identity
Fight scammers with PayID
PayID fights fraud and mistaken payments
eftpos online payments & security rollout forges ahead with certification of Australia’s GPayments
PayTo commences rolling out for first payment service providers
PayTo commences rolling out for first payment service providers
PayTo front and centre at Real Time Payments Summit 21/22
Subway® North Sydney and Brisbane City locations serve-up cutting-edge eftpos QR code payments for guests
eInvoicing gathers momentum
Paypa Plane to connect directly to the NPP
eftpos online payments & security rollout forges ahead with certification of Australia’s GPayments
Christmas in a time of COVID: data from payments app Beem It reveals Australians are toasting a Healthy New Year
Instant payments from the Bank of Mum or Dad
PayID is a COVID safe way to receive a payment
Australian Payments Plus appoints inaugural CEO
Fat thumbs be gone! Say goodbye to mistakes with PayID
Australian Payments Plus to appoint Greg Cooper and John Murphy as independent directors
‘Tis the season to split the bill with PayID!
Buying a present for the best teacher in the world?
Cubbi uses PayID for instant rent payments and to fight fraud
Australian Payments Plus to appoint Naomi Simson as independent director
NPP virtual update 12 October 2021 – replay now available
NPP Roadmap provides PayTo and international payments update
Zepto the first non-ADI and accredited CDR data recipient to become an NPP ‘Connected Institution’.
Wise Australia becomes latest NPP Participant
NPP virtual update scheduled for 10am on 12 October 2021.
ACCC authorises amalgamation of BPAY Group, eftpos and NPP Australia to form Australian Payments Plus
Payments Industry Committee, AP+ welcome ACCC merger approval
Australian Payments Plus appoints inaugural Chair
Draft undertakings: Statement attributable to Robert Milliner, Industry Committee Chair
In Memoriam: Chloe Munro AO, a remarkable independent voice
Payments Industry Committee responds to ACCC
PayID brings peace of mind for Zara King Photography
PayID supports instant and accurate donations
PayID turbocharges online share trading
Pilates Basement pivots online thanks to PayID
PayID sparks growth for candle making side hustle
PayID a game changer for Carly’s Coffee Couriers
Real Time Payments Summit 2021/22 rescheduled to 3 May 2022
Updated NPP Roadmap presents ‘PayTo’
ACCC approval sought for BPAY Group, eftpos and NPPA to amalgamate
Review of the Australian Payments System
eInvoicing and the NPP
eftpos, BPAY Group and NPPA propose to amalgamate for the benefit of Australian consumers and businesses
Using API integration to match fast payments with fast reconciliation
Azupay broadens NPP services
Automation in real-time ‘a fintech’s dream’
More people access their pay in real-time without charge
Latest NPP roadmap provides international payments update
Split Payments and A2B Australia uses NPP to bring instant payments to taxi drivers
Five million PayIDs registered in Australia
Efficient, simpler, stronger payments infrastructure for Australia
Inquiry into Future Directions for the Consumer Data Right
Small businesses replace cash with PayID during COVID-19 crisis
NPP Mandated Payments Service – enabling third party payment initiation
Update on the NPP Roadmap
eInvoicing and the NPP
Opening statement: Senate Select Committee on Financial Technology and Regulatory Technology
NPP Australia Appoints Third Independent Director
NPP Requirements for Cross-Border Payments
Fintech Select Senate Committee submission explains NPP’s ‘open’ approach
NPP API Framework v3.0
Updated response to the RBA’s NPP Functionality and Access Consultation
Media release: Roadmap details ongoing plans to extend and enhance the NPP
Becoming an Overlay Service Provider
Mechanisms in place to protect PayID from the risk of cyberattacks and data breaches
Uplifting cybersecurity controls
NPP Australia’s response to the RBA’s NPP Functionality and Access Consultation: Conclusions Paper
Real-Time Payments 2.0
Statement: RBA NPP Functionality and Access Consultation, Conclusions Paper
NPP QR Code Standard gives innovators access to the benefits of real-time data-rich payments
NPP API Framework v2.0
Stone & Chalk Masterclass: New Payments Platform and future capabilities
The New Payments Platform – one year on
Development of NPP ISO 20022 message usage for Payroll, PAYG Tax and Superannuation Payments – Market Consultation
NPP Australia appoints new Chair Bob McKinnon
Inquiry into Future Directions for the Consumer Data Right
NPP Australia’s response to the RBA’s NPP Functionality and Access Consultation
SWIFT and NPP Australia launch sandbox for testing APIs
Five pathways to the New Payments Platform
New Payments Platform API Framework opens door to capabilities
You don’t need to be ‘on’ the New Payments Platform to innovate
NPP Australia’s response to the Productivity Commission’s Report on Competition in Financial Services
NPP Australia’s submission to ASX Chess Replacement Consultation
New Payments Platform awarded Business Service Markets Award
NPP Australia and KPMG have cowritten a whitepaper about the industry approach to minimising real-time payments fraud
The 2018/19 Federal Budget and the NPP
Exploring RegTech Possibilities
New Payments Platform: balancing system integrity and access
PayID and privacy
The New Payments Platform launches - Consumer media release
How consumers can protect themselves from scams
Chloe Munro joins NPP Australia Board of Directors
The New Payments Platform launches - Financial services media release
PayID is coming soon - Media release
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.
View our Reconciliation Action Plan (PDF)
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