The AP+ Roadmap provides our members and the broader industry with a clear view of our product and infrastructure priorities. 

Key updates to the AP+ Roadmap since we last published include: 

• Confirmation of Payee: Live with over 100 institutions, with operations now to continue on a BAU basis. Removed from roadmap as completed.
• eftpos Stand In Processing (STIP) Phase 2: STIP Phase 2 introduces enhanced checks and verification capabilities that provide issuers with richer Stand-In Processing (STIP) functionality for offline transaction approvals.
• Optional NPP Cloud Migration: We have removed the date following advice from our delivery partner of risk to certain technical dependencies. Preparatory work continues, and we will update participants and prospective participants later in 2026 on an updated timeline for when this capability will be made available.

We will continue to engage closely with members, industry and end users as roadmap initiatives progress, ensuring ongoing alignment with regulatory priorities and end user needs and expectations. Exploratory work will also continue, with new developments to be assessed and incorporated into future roadmap updates. 

The roadmap will be reviewed regularly to reflect member feedback, industry change and evolving payment needs.

Overview of all initiatives  

Move to NPP initiatives: 

• NPP ISO version upgrade: benefits from the upgraded version of ISO 20022 and includes software integrations that can leverage international vendors and innovations adopted in other markets. 
• NPP cloud migration: this will allow directly connected participants to integrate their back office with the NPP Basic Infrastructure via public cloud providers. 
• NPP capacity upgrades: ensuring that processing capacity is uplifted across the platform and its participants in advance of anticipated volume growth.  
• NPP process & message usage uplift: enhancements to the PayTo message including identifying the ultimate creditor and categorisation of merchants to support improved fraud screening. Additional data elements are also being introduced to support the processing of superannuation payments in light of payday super legislation, including payroll /qualifying earnings date and identification of a payment as a refund. [IR1] 
• NPP Multi Credit Transfer solution: AP+ continues to progress detailed design work with industry in 2026 on a bulk service that would enable multiple transactions to be sent in a single message.

Other NPP initiatives  

• NPP International Payments Service - GPI Tracker: enables Swift member banks to track an international payment. Mandatory for banks sending international payments from February 2027 to ensure consistency. 
• Osko / SCT harmonisation: this brings together the BPAY Osko service with the Single Credit Transfer (SCT) NPP product to simplify real-time payments into a single service, with a clear brand and value proposition, streamlined rules and associated operational processes. 

eftpos initiatives  

• eftpos – Click to Pay: in a world first for online multi-network debit card payments, eftpos Click to Pay combines the seamless secure online experience that customers expect with the added benefit of Merchant Choice Routing.  
• eftpos In-App Payments: in-app payments enable customers to pay for goods or services on a mobile website or app using a card stored in their Apple or Google wallet.  
• eftpos Stand In Processing (STIP): stand-in processing capability that operates when issuer systems are unreachable from the eftpos hub, adding resiliency to debit card transaction processing. Optional for eftpos issuers from October 2025. 
• eftpos update to 3DS 2.3: support 3DS 2.3 to help reduce card abandonment rates and provide enhanced risk management. 
• 3DES migration to AES: Australian card payments will be migrated from 3DES to a new encryption standard (AES) by 2030.  

AP+ wide initiatives  

• Member Portal consolidation: creating a single front door to provide a more unified portal experience, central point of access and simplified processes for members across all our schemes
• Cyber security and fraud capability uplift and trust layer: AP+ continues to uplift its maturity in foundational cyber capabilities required to govern, identify, protect, detect, respond and recover from cyber incidents. AP+ is also expanding fraud capability across each AP+ scheme and supporting industry fraud and scam initiatives.