Billions of payments
More possibilities
AP+ serves the Australian payments ecosystem. From banks, financial institutions and fintechs to retailers, businesses, not-for-profits, and government agencies, and ultimately millions of consumers who rely on secure, efficient payment and identity services every day.
We’re inspired by what’s possible today. And what could be possible beyond tomorrow.
Our purpose
To unite people and technology to power better experiences.
To ensure the ongoing sustainability of the payments systems, by delivering value to all those who use the payments infrastructure.
To drive greater trust in the digital economy, through activities that provide greater resilience and security – and by actively working together with the ecosystem to reduce fraud, scams and identity theft.
To encourage and enable innovation in the ecosystem, supporting initiatives that contribute to the ongoing sustainability of the payments systems and drive greater trust.
Our objective
‘Our objective is to provide globally competitive payment services which are resilient, safe, efficient, fair, accessible and cost effective, which meet the present and future requirements of the users of the Australian payments system, including financial institutions and payment services providers, while facilitating the provision of low-cost solutions for retailers, other businesses, and their customers.’
AP+ Board Charter
The AP+ roadmap
The AP+ roadmap highlights key industry and regulatory requirements and milestones along with other major AP+ activities. Initiatives that are under exploration may be brought onto future roadmaps. The roadmap is updated annually.
Stakeholder engagement
AP+ is here to support the needs of payment users of all kinds, across Australia. To make sure more of those users are represented in the work we do, we engage with a diverse range of stakeholders on topics that matter most to them.
Our impact
We aim to create sustainable value for Australia’s economy and communities.
Our impact
We aim to create sustainable value for Australia’s economy and communities.
Leadership and Governance
AP+ is a member-owned organisation with a diverse range of members, including Australia’s domestic banks, international banks operating in Australia, some of the country’s largest merchants, payment service providers and payment processors, together with a range of challenger and disruptor brands focused on specific markets and products.
The Board of Australian Payments Plus has 13 Directors, composed of four independent Directors (including the Chair), four Directors representing each of the four major banks, two Directors representing other ADI shareholders and three Directors drawn from non-ADI shareholders.
The Board is supported by the Audit Committee, the Risk Committee, the Independent Commercial & Compliance Committee (ICCC), and the Talent & Reward Committee.
The Executive Leadership Team is responsible for the day-to-day management of AP+ to ensure that the overall purpose, strategy and values set by the Board are permeated throughout AP+’s business operations, risk management practices and people.
The members of the payment schemes that AP+ operates (BPAY, eftpos, and the NPP) are the backbone of AP+, representing a diverse range of organisations.
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
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