Public consultations

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Open consultations

There are currently no open public consultations.

Closed consultations

1. The future vision for account-to-account payments

The submission period for this consultation closed on 31 July 2025. We thank all individuals, organisations and stakeholders who took the time to contribute.

Conducted in partnership with AusPayNet, this consultation invited feedback on the current and future payments needs and expectations of users of Australia’s account-to-account (A2A) payment systems.

Consultation paper

Public consultation on the future vision for account-to-account payments in Australia

Next steps

AP+ and AusPayNet are currently reviewing all submissions and considering the feedback received as part of a process to clearly define the desired objectives and features of Australia’s A2A payment system and help shape an industry plan. The Account-to-Account Payments Roundtable, including AusPayNet, AP+, the RBA and Commonwealth Treasury, is an important part of this process. Learn more here.
If you require further information, please contact us at [email protected]. To stay up to date on the consultation findings, subscribe to the move to NPP newsletter below.

2. NPP capabilities and enhancements

The submission period for this consultation closed on 31 July 2025. We thank all individuals, organisations and stakeholders who took the time to contribute.

This consultation invited feedback on the desired future capability of the NPP, including bulk payment processing, standardised payment instructions and enhanced data capabilities.

Consultation paper

Public consultation on NPP capabilities

Next steps

We’re currently reviewing all submissions and considering the feedback received as an input to the future roadmap development for the NPP. A summary of key themes and outcomes from the consultation will be published on this page later in 2025. If you require further information, please contact us at [email protected]. To stay up to date on the consultation findings, subscribe to the move to NPP newsletter below.

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Frequently asked questions

What is the purpose of these two consultations?

To help shape the future direction of account-to-account payments in Australia, AP+ is collecting feedback from end users and stakeholders through two public consultations:  

The future vision for account-to-account payments 
In partnership with Australian Payments Network, and with the support of the RBA and Treasury, this consultation will collect feedback on the current and future payment needs and expectations of the users of Australia’s account-to-account payments systems. 
Future NPP capabilities and enhancements 
We’re also seeking input on the key capabilities and enhancements needed in the future for Australia’s real-time payments infrastructure, the NPP—such as bulk payment processing, standardised payment instruction format and enhanced data capabilities —to support end user needs.  

Responses to these consultations will be used as an input to the development of the account-to-account payments vision for Australia and the future roadmap development for the NPP.

What happens after the public consultations close?

Responses to the consultation on the future vision for account-to-account payments will help shape an industry plan for the account-to-account payments system, with high-level deliverables and milestones, including clear prioritisation and sequencing.

Responses to the consultation on future NPP capabilities and enhancements will be used as input to the future capability roadmap development for the NPP. 

This work forms part of AP+’s broader engagement with industry to support the continued development of a modern, inclusive and future-ready payments system in Australia.  

To ensure receive updates, we recommend subscribing to our email updates. You can subscribe here.

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