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
Verify payment 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*
Feature | Payday super
Payday super is coming
The move to faster, more efficient superannuation payments is underway, with payday super legislation taking effect in July 2026.
Real-time payments via the NPP help make this possible, supporting funds, employers and workers with fast, secure, data-rich contributions.
Feature | It's the eftpos way
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.
Latest news
and updates
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.
©2026 Australian Payments Plus. ABN: 19 649 744 203 All rights reserved