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: now live with almost 80 institutions, with the next phase of the roll-out to support use by businesses to continue through 2026. 

• eftpos In-App payments: pilot launched with Apple Pay in September 2025. 

• eftpos Stand In Processing (STIP): stand-in processing capability is now available and optional for eftpos issuers. 

• Click to Pay for eftpos: a parity mandate will come into effect from 2027 for institutions that support Click to Pay with international card schemes. 

• Commenced consolidation of AP+ member portals and AP+ developer portals: streamlining access and user experience for each of these experiences.  

• NPP International Payments Service – GPI tracker with mandatory compliance from February 2027. 

• NPP process and message usage enhancements: a number of initiatives are being implemented from throughout 2027 , including PayTo message uplifts and payday super identifiers. Standard payment instruction will be reviewed as part of the public consultation feedback.  

• NPP ISO upgrade has been confirmed for March 2027 

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 payments needs. 

-> AP+ Roadmap updates

Overview of all initiatives  

Move to NPP initiatives: 

• NPP ISO version upgrade: benefits from the upgraded version of ISO20022, 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 the identification of a payment as a refund. 

• NPP Multi Credit Transfer solution: AP+  has undertaken detailed design work with industry in 2025 on a bulk service that would enable multiple transactions to be sent in a single message. 

Other NPP initiatives  

• Confirmation of Payee (CoP):  this industry wide initiative adds an extra layer of protection when making payments to a BSB and account number by allowing payers to confirm the name on the account before money is sent – reducing the risk of scams and mistaken payments.  

• 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 Tokenisation Services: AP+ has introduced a token cryptogram for cardholder-initiated transactions to enhance the security and efficiency of the Australian payment ecosystem, while fostering customer trust, and compliance with evolving industry standards.  

• 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 of 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  

• Portal consolidation: creating a single front door for members with a new AP+ Member Portal which has commenced with eftpos, along with streamlining the developers' portals experience under a new AP+ Developers Portal.  

• 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.