The Account-to-Account Payments Roundtable has today released a public consultation on the draft vision for the future of account-to-account (A2A) payments in Australia. Submissions close 22 May. 

The Roundtable brings together Australian Payments Network (AusPayNet), Australian Payments Plus (AP+), the Reserve Bank of Australia (RBA) and Commonwealth Treasury¹.  

The publication of the draft vision report for feedback marks the next step in a broader, multi-step process to shape a shared vision for the future of A2A payments in Australia, and a roadmap of high-level deliverables and milestones to achieve that vision. The intention of this work is to provide certainty to stakeholders on the long-term strategic direction for A2A payments, and anchor the industry’s development of A2A payments products, services and underlying infrastructure. 

The draft vision has been developed throughout the Roundtable process following extensive engagement with stakeholders and drawing on last year’s consultation on the future of A2A payments undertaken by AusPayNet and AP+.   

The A2A payments system is an essential part of Australia’s economy, supporting millions of transactions each day, including the payment of wages, superannuation, welfare and bills, as well as transfers of money to family and friends. The environment for A2A payments is changing rapidly, driven by advances in technology and automation, and shifting societal preferences.  

The draft vision sets out the desired long-term outcomes for Australia’s A2A payments system – that it remains safe, reliable, low cost, easy to use, and inclusive for consumers, businesses and government agencies. It also defines the qualities that the system needs to demonstrate to consistently deliver these outcomes. 

The Roundtable is seeking input on how the A2A payments system should continue to develop to remain a trusted national asset that meets the evolving needs of its users. 

Feedback on the draft vision will be used to refine and finalise the vision. This vision will inform the development of an industry roadmap involving the prioritisation and sequencing of industry deliverables, consistent with public interest considerations. 

Next steps 

The full consultation paper and more information can be found on https://auspaynet.com.au/insights/consultations/A2Avision2026 and https://www.auspayplus.com.au/stakeholder-engagement/public-consultations  

Submissions to this consultation should be submitted via [email protected]. All submissions received will be shared with all members of the A2A Payments Roundtable, unless otherwise specified by the submission respondent. Alternatively, respondents may choose to provide their submission directly to any member of the A2A Payments Roundtable. 

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1. The roundtable process is being conducted under the authorisation granted by the ACCC (with conditions) on 1 August 2025 ↩︎