NPP Australia (AP+)

NPP Australia is the operator of the New Payments Platform (NPP), Australia's national real-time, data-rich, account-to-account payments infrastructure that settles 24 hours a day, 365 days a year across more than 100 connected banks, credit unions, fintechs and government agencies. Since 2021 NPP Australia has been a wholly owned subsidiary of Australian Payments Plus (AP+), the entity formed by amalgamating NPP Australia, BPAY Group and eftpos. On top of the core clearing-and-settlement rail, NPP operates two overlay services: PayID, an addressing service that maps a mobile number, email, ABN or organisation ID to a bank account, and PayTo, a real-time mandated-debit capability that gives consumers visibility and control over recurring and one-off account debits. Its home market is Australia, and it sits alongside the Consumer Data Right as the country's payments spine. Its API posture is that of a scheme and rail operator rather than a self-serve PSP: NPP Australia itself does not sell a public API, but it publishes the ISO 20022-aligned NPP API Framework that defines the mandatory technical approach and data attributes NPP Participants implement, and AP+ runs a (registration-gated) developer portal plus a SWIFT-hosted API sandbox. The consumable APIs are offered by NPP Participants, not by NPP Australia.

NPP Australia (AP+) publishes 3 APIs on the APIs.io network. Tagged areas include Payments, Australia, Real-Time Payments, Account-to-Account, and ISO 20022.

NPP Australia (AP+)’s developer surface includes documentation, API reference, sandbox, signup flow, engineering blog, getting-started guide, support, and 16 more developer resources.

🌐 Visit website 📡 Source on GitHub

30.6/100 thin ▬ flat Agent 15/100 agent aware saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

AccessSelf serve

3 APIs

Payments Australia Real-Time Payments Account-to-Account ISO 20022Payment SchemeRails PayTo PayID Open Banking

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 30.6/100 · thin

Contract Quality 0.0 / 21

Developer Ergonomics 10.3 / 17

Access Clarity 5.8 / 17

Operational Transparency 0.9 / 11

Contract Governance 1.9 / 10

Discoverability 6.1 / 9

Regulatory Posture 5.9 / 15

Agent readiness — 15/100 · agent aware

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 6 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 6 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/npp-australia: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 3

Individual APIs this provider publishes, each with its own machine-readable definition.

NPP API Framework

The NPP API Framework defines the mandatory technical approach and data attributes for APIs built on the New Payments Platform, aligned to the ISO 20022 messaging standard. NPP ...

PayTo

PayTo is NPP's real-time, digital mandated-debit overlay service. It lets businesses initiate real-time payments from a customer's bank account under a pre-authorised agreement,...

PayID

PayID is NPP's addressing service, allowing payments to be directed using a simple identifier such as a mobile number, email address, ABN or organisation ID instead of a BSB and...

Security Posture 3

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Npp Australia Authentication

openIdConnect/oauth2 · 1 scheme

SECURITY

Npp Australia Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Npp Australia Vulnerability Disclosure

security.txt · contact published

SECURITY

Resources

Get Started 5

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

Sandbox

Sandbox

SignUp

SignUp

Login

GettingStarted

GettingStarted

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

LLMsTxt

LLMsTxt

Design & Contract 2

Pagination, idempotency, versioning, errors, and events

Conformance

Conformance

Lifecycle

Lifecycle

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 5

Authentication, authorization, and security posture

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

SecurityTxt

Authentication

Security

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 3

The organization behind the API

Website

Website

Blog

Blog

LinkedIn

Source (apis.yml)

aid: npp-australia
url: https://raw.githubusercontent.com/api-evangelist/npp-australia/refs/heads/main/apis.yml
name: NPP Australia (AP+)
kind: company
description: 'NPP Australia is the operator of the New Payments Platform (NPP), Australia''s national real-time, data-rich,
  account-to-account payments infrastructure that settles 24 hours a day, 365 days a year across more than 100 connected banks,
  credit unions, fintechs and government agencies. Since 2021 NPP Australia has been a wholly owned subsidiary of Australian
  Payments Plus (AP+), the entity formed by amalgamating NPP Australia, BPAY Group and eftpos. On top of the core clearing-and-settlement
  rail, NPP operates two overlay services: PayID, an addressing service that maps a mobile number, email, ABN or organisation
  ID to a bank account, and PayTo, a real-time mandated-debit capability that gives consumers visibility and control over
  recurring and one-off account debits. Its home market is Australia, and it sits alongside the Consumer Data Right as the
  country''s payments spine. Its API posture is that of a scheme and rail operator rather than a self-serve PSP: NPP Australia
  itself does not sell a public API, but it publishes the ISO 20022-aligned NPP API Framework that defines the mandatory technical
  approach and data attributes NPP Participants implement, and AP+ runs a (registration-gated) developer portal plus a SWIFT-hosted
  API sandbox. The consumable APIs are offered by NPP Participants, not by NPP Australia.'
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: low
  source:
  - authentication
  - security
  generated: '2026-09-02'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Payments
- Australia
- Real-Time Payments
- Account-to-Account
- ISO 20022
- Payment Scheme
- Rails
- PayTo
- PayID
- Open Banking
created: '2026-07-24'
modified: '2026-07-24'
specificationVersion: '0.23'
apis:
- aid: npp-australia:npp-api-framework
  name: NPP API Framework
  description: The NPP API Framework defines the mandatory technical approach and data attributes for APIs built on the New
    Payments Platform, aligned to the ISO 20022 messaging standard. NPP Australia does not itself operate a consumable API;
    the framework governs how NPP Participants expose and integrate real-time payment capabilities. Published as a versioned
    specification document (v5.0), not a self-serve REST API with a public base URL.
  humanURL: https://www.auspayplus.com.au/solutions/npp-for-developers
  tags:
  - ISO 20022
  - Real-Time Payments
  - Framework
  properties:
  - type: Documentation
    url: https://www.auspayplus.com.au/solutions/npp-for-developers
  - type: APIReference
    url: https://www.auspayplus.com.au/wp-content/uploads/2024/06/NPP-API-Framework-v5.0.pdf
  - type: Sandbox
    url: https://nppa-developer.swift.com/user/register
- aid: npp-australia:payto
  name: PayTo
  description: PayTo is NPP's real-time, digital mandated-debit overlay service. It lets businesses initiate real-time payments
    from a customer's bank account under a pre-authorised agreement, giving consumers visibility and control over recurring
    and one-off debits. Delivered through NPP Participants using ISO 20022 messaging and the PayTo messaging toolkit; NPP
    Australia publishes the service documentation and toolkit rather than a self-serve public API.
  humanURL: https://www.auspayplus.com.au/solutions/payto
  tags:
  - PayTo
  - Mandated Debit
  - Real-Time Payments
  properties:
  - type: Documentation
    url: https://www.auspayplus.com.au/solutions/payto
- aid: npp-australia:payid
  name: PayID
  description: PayID is NPP's addressing service, allowing payments to be directed using a simple identifier such as a mobile
    number, email address, ABN or organisation ID instead of a BSB and account number. It is implemented by NPP Participants
    over the New Payments Platform; NPP Australia publishes the PayID service documentation and messaging toolkit rather than
    a consumable public API.
  humanURL: https://www.auspayplus.com.au/solutions/payid
  tags:
  - PayID
  - Addressing
  - Real-Time Payments
  properties:
  - type: Documentation
    url: https://www.auspayplus.com.au/solutions/payid
common:
- type: VulnerabilityDisclosure
  url: security/npp-australia-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/npp-australia-domain-security.yml
- type: Website
  url: https://www.auspayplus.com.au/solutions/npp
- type: DeveloperPortal
  url: https://www.developers.auspayplus.com.au/
- type: Documentation
  url: https://www.auspayplus.com.au/solutions/npp-for-developers
- type: APIReference
  url: https://www.developers.auspayplus.com.au/apis/
- type: Sandbox
  url: https://nppa-developer.swift.com/user/register
- type: SignUp
  url: https://www.developers.auspayplus.com.au/api/auth/signup/
- type: Login
  url: https://www.developers.auspayplus.com.au/api/auth/login/
- type: Blog
  url: https://www.auspayplus.com.au/news
- type: LinkedIn
  url: https://www.linkedin.com/company/auspayplus/
- type: TermsOfService
  url: https://www.auspayplus.com.au/terms-of-use
- type: PrivacyPolicy
  url: https://www.auspayplus.com.au/privacy-policy
- type: GettingStarted
  url: https://www.developers.auspayplus.com.au/go-live/
- type: Support
  url: https://www.developers.auspayplus.com.au/contact-us/
- type: GitHubOrganization
  url: https://github.com/auspayplus
- type: WellKnown
  url: well-known/npp-australia-well-known.yml
- type: SecurityTxt
  url: well-known/npp-australia-security.txt
- type: Authentication
  url: authentication/npp-australia-authentication.yml
- type: Conformance
  url: conformance/npp-australia-conformance.yml
- type: Lifecycle
  url: lifecycle/npp-australia-lifecycle.yml
- type: Security
  url: https://www.auspayplus.com.au/security.txt
- type: LLMsTxt
  url: llms/npp-australia-llms.txt
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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