The platform

The platform was built using ISO 20022 to enable more data to travel with a payment. We use this world-class messaging schema to bring payments innovation to life through the platform, the Fast Settlement Services and Business Services.

1. The platform

The platform is a distributed switch of individual ‘Payment Access Gateways’ that route and exchange financial messages between each other. Payments can be directed to BSB and account numbers, or to a PayID® (information such as an email address, phone number, ABN number or a unique organisational identifier that can be linked to a user’s bank account). The platform is always open for business, 24 hours a day, 365 days of the year.

2. The FSS

The Fast Settlement Service (FSS) is provided by the Reserve Bank of Australia. This world-leading capability enables every single payment made on the platform, regardless of its size, to be settled in real-time in central bank funds between each financial institution’s Exchange Settlement Account (ESA).

3. Business Services

NPP Business Services have been designed to cater for all payment needs. They can be used by third parties in a variety of ways, and incorporated into product and service offerings ‘outside’ the platform. A common set of rules for each service define how payment messages are processed between participating financial institutions, enabling standardisation across the network.

Watch the NPP in action

Accessing the platform

We've designed a number of different pathways to access the platform, to enable as many organisations as possible to reap the rewards of using the platform.



The platform gives organisations building blocks to create real-time, data-rich payments, experiences and efficiencies that go beyond simple credit transfers. So, there are countless ways the platform's capabilities can be brought to life to best suit your organisation's needs.

Safety & security

The platform was designed and built with safety and security front of mind. The central infrastructure is certified to the highest data security standards and monitored 24-hours-a-day, 365-days-a-year.

Financial institutions can only offer services via the NPP if they comply with strict security requirements and have fraud controls in place. There are also broader protections in place.


AP+ acknowledges the Gadigal People of the Eora nation as the Traditional Custodians of the lands on which we are based and pays 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 protecting and for their pivotal role in the creation of this beautiful place. Always was and always will be Aboriginal Land.

View our Reconciliation Action Plan

©2023 Australian Payments Plus. ABN: 19 649 744 203  All rights reserved

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