PayTo / NPP Developer Resources
PayTo's public developer surface, published by Australian Payments Plus (AP+) and NPP Australia. Rather than a self-serve API hosted by the scheme, this covers the AP+ Developer Portal (login-gated APIs and documentation sections), the NPP API Framework v5.0 that defines the ISO 20022-aligned data attributes and technical approach for PayTo agreements and payment initiation, and the NPP API sandbox for building and testing NPP-based solutions. The production PayTo APIs are implemented by NPP Participants and connected payment service providers, not by the scheme itself.