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
Australia’s domestic debit card payments network was introduced in 1984. eftpos has since launched a centralised network and contactless chip in 2014, and mobile payments in 2017.
eftpos provides a lower cost payment option for business owners that also benefits their customers and keeps Australians safe with best practice security technologies.
As the world keeps changing, you can count on eftpos to keep evolving with it. By designing solutions with small business owners and customers in mind, eftpos is changing the way Australians pay for the better.
Revolutionising the flow of money
The NPP is Australia’s fast payments infrastructure, bringing speed, certainty and efficiency to payments – and setting up Australia’s payments future.
Launched in 2018, the NPP connects over 100 banks, financial institutions and fintechs, facilitating around $5 billion of payments each day moving quickly and securely between bank accounts using Osko, PayID and PayTo.
Secure bill payments
BPAY was established in 1997, and for over 25 years has enabled easy and secure bill payments directly through online and mobile banking.
Over 150 banks have BPAY within their online banking, and over 60,000 businesses offer BPAY as a payment choice - helping customers pay bills securely while making it easier to reconcile their accounts receivable.
As a consumer, you can choose which account to pay bills from, and schedule payments on a date that works for you, so long as you have funds available in your account on the scheduled date. Those are just some of the ways BPAY is in your corner.
Digital identity verification
Our digital identity solution, ConnectID®, is rolling out gradually across institutions and businesses in Australia during 2023.
ConnectID makes it easier to verify who you are, using organisations you already trust. By facilitating secure data exchange, ConnectID provides access to a range of digital products and services which may have previously required significant time to complete manually.
With ConnectID a business can verify a customer’s identity in real-time - confirming important details such as age, simplifying customer onboarding, and providing a seamless checkout experience.
Confirmation of Payee
When you’re sending money to a business or person using their BSB and account number, Confirmation of Payee will check the account details you’ve entered with the account details held by the recipient’s bank and let you know the match outcome.
Digital wallet solutions
Through Beem, we've been building digital wallet solutions since 2018.
AP+ is providing this technology as a plug-and-go solution, so apps and websites can be turned into fully functioning digital wallets, with custom branded checkout, loyalty integration and more.
These digital wallet solutions help businesses own the checkout experience, both in-store and online, and allow them to understand customer purchasing habits to help optimise performance.
Open payments
AP+ is building open access to the Australian payments ecosystem. We are uniquely placed to provide the technology to allow apps and online checkouts to power diverse and rich experiences for end-users. Through our QR payment system, plugging into the open payments ecosystem means accessing a range of digital solutions designed to suit customers - like value-adding experiences and tailored integrations that can help contact, attract, retain and engage customers.
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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