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+) is listed with 4 APIs on the APIs.io network. Tagged areas include Payments, Australia, Real-Time Payments, Account-to-Account, and ISO 20022.

The NPP Australia (AP+) catalog on APIs.io includes 1 Spectral governance ruleset.

NPP Australia (AP+)’s developer surface includes sandbox, documentation, API reference, signup flow, engineering blog, getting-started guide, support, and 27 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

38.3/100 thin ▬ flat Agent 35/100 agent ready saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

4 APIs

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

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 38.3/100 · thin

Contract Quality 1.8 / 19

Developer Ergonomics 8.9 / 15

Access Clarity 8.1 / 15

Operational Transparency 1.8 / 10

Contract Governance 3.2 / 9

Discoverability 5.2 / 8

Regulatory Posture 3.4 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 35/100 · agent ready

Machine-Readable Contract 18 / 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 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 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

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

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 applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Typed Event Surface +6 pts — AsyncAPI document, OR webhooks/callbacks objects in the as-published OpenAPI, OR common[].type includes Webhooks

7 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 9.4 — up to +22.7 composite points
Operational Transparency scores 18.4 — up to +10.6 composite points
Access Clarity scores 53.9 — up to +9.2 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

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 the provider profile at artifacts.apis.io/npp-australia/apis.yml: open an issue on github.com/api-evangelist/npp-australia to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Australia AFS, Credit and ADI Registers (ASIC + APRA licensing)	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 2

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

ISO 20022

tagged — the provider's own APIs.json carries the standard as a tag; implementation not verified

Dynamic Client Registration

measured — observed by APIs.io (published)

APIs 4

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...

NPP Australia (AP+) API

NPP Australia (AP+) API as documented publicly: 41 operations. Contract generated from the documentation by API Evangelist (2026-10-21); not the provider's own document.

NPP Australia (AP+) API pricing

Prices published by NPP Australia (AP+).

Plan	Price
Osko-SCT Per Transaction Scheme Fee (Payer)	2c
Osko-SCT Per Transaction Scheme Fee (Payee)	2c
PayTo Participation & Reimbursement Fee	1 or 3c
PayTo Initiation Scheme Fee	1.5c
CAT-SCT Per Transaction Scheme Fee	Same as Osko-SCT
International Payments Service Per Transaction Scheme Fee (Payer)	2.5c
International Payments Service Per Transaction Scheme Fee (Payee)	2c
PayID Per New Registration	2c

Plan details, limits and sources →

Pricing Plans 1

Published pricing tiers and plan structures.

Npp Australia Plans Pricing

8 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Npp Australia Rate Limits

0 limits

RATE LIMITS

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

NPP Australia (AP+) API Rules

9 rules · 7 errors 1 warnings 1 info

SPECTRAL

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 6

Portal, sign-up, and the first successful call

Sandbox

DeveloperPortal

Sandbox

SignUp

Login

GettingStarted

GettingStarted

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

WellKnown

WellKnown

LLMsTxt

LLMsTxt

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Spectral

Vocabulary

Conventions

ErrorCatalog

Conformance

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 3

Status, limits, changes, and where to get help

Deprecation

Deprecation

Roadmap

Roadmap

Support

Support

Commercial 3

Pricing, plans, and the legal terms of use

Plans

Plans

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 3

The organization behind the API

BlogRSS

BlogRSS

Website

Website

Blog

Blog

Other 2

Properties that don't map to a standard resource type

Hosts

Hosts

Vendors

Vendors

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: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  probe_state: covered
  source:
  - plans
  - authentication
  - security
  - sandbox
  generated: '2026-11-06'
  method: derived
image: https://www.auspayplus.com.au/wp-content/uploads/2025/09/home-logo-npp.png
tags:
- Payments
- Australia
- Real-Time Payments
- Account-to-Account
- ISO 20022
- Payment Scheme
- Payment Rails
- PayTo
- PayID
- Open Banking
tags_raw:
- Payments
- Australia
- Real-Time Payments
- Account-to-Account
- ISO 20022
- Payment Scheme
- Rails
- PayTo
- PayID
- Open Banking
created: '2026-07-24'
modified: '2026-10-21'
specificationVersion: '0.23'
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
common:
- type: Plans
  url: plans/npp-australia-plans-pricing.yml
- type: Spectral
  url: rules/npp-australia-rules.yml
- type: Vocabulary
  url: vocabulary/npp-australia-vocabulary.yml
- type: Conventions
  url: conventions/npp-australia-conventions.yml
- type: Sandbox
  url: sandbox/npp-australia-sandbox.yml
- type: Deprecation
  url: lifecycle/npp-australia-lifecycle.yml
- type: ErrorCatalog
  url: errors/npp-australia-problem-types.yml
- type: LLMsTxt
  url: llms/npp-australia-auspayplus-site-llms.txt
- type: Hosts
  url: hosts/npp-australia-hosts.yml
- type: Vendors
  url: vendors/npp-australia-vendors.yml
- url: https://www.auspayplus.com.au/feed
  type: BlogRSS
- 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/
- type: Roadmap
  url: https://www.auspayplus.com.au/2026-ap-roadmap
- 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/auth/login?screen_hint=signup
- type: Login
  url: https://www.developers.auspayplus.com.au/auth/login?returnTo=/
- type: Blog
  url: https://www.auspayplus.com.au/news-updates
- type: TermsOfService
  url: https://www.auspayplus.com.au/terms-conditions
- 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
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: DeveloperPortal
    url: https://www.developers.auspayplus.com.au/npp/
  - 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
- aid: npp-australia:npp-australia-api
  name: NPP Australia (AP+) API
  description: 'NPP Australia (AP+) API as documented publicly: 41 operations. Contract generated from the documentation by
    API Evangelist (2026-10-21);

    not the provider''s own document.'
  humanURL: https://www.developers.auspayplus.com.au/apis/bpay/generate-bpay-crn-api
  properties:
  - type: OpenAPI
    url: openapi/_ae-authored/npp-australia-openapi-generated.yml
    x-provenance: generated
x-coverage:
  state: covered
  reason: identity-verified
  detail: Website set to the AP+ homepage (title "Australian Payments Plus - Home"); NPP Australia is an AP+ subsidiary and
    NPP pages live on auspayplus.com.au. Replaced dead/misdirected Blog (/news redirected to an SVG icon), TermsOfService
    (/terms-of-use redirected to Beem terms) and SignUp (404) with links found on the provider's own pages; Login/SignUp URLs
    taken from dossier site_links (not called, per probe safety). Developer docs pages (/docs/, /go-live/) redirect to the
    portal home behind login.
  evidence:
  - url: https://www.auspayplus.com.au/
    status: 200
  - url: https://www.auspayplus.com.au/terms-conditions
    status: 200
  - url: https://www.auspayplus.com.au/news-updates
    status: 200
  - url: https://www.auspayplus.com.au/2026-ap-roadmap
    status: 200
  - url: https://www.auspayplus.com.au/wp-content/uploads/2025/09/home-logo-npp.png
    status: 200
  - url: https://www.auspayplus.com.au/news
    status: 200
    note: redirects to an SVG icon
    removed: null
  - url: https://www.developers.auspayplus.com.au/api/auth/signup/
    status: 404
  - url: https://github.com/auspayplus
    status: 200
  - url: https://www.auspayplus.com.au/feed
    status: 200
  - url: https://www.linkedin.com/company/auspayplus/
    status: 999
    note: LinkedIn bot wall
    not dead: null
x-enrichment:
  date: '2026-10-21'
  status: enriched
  artifacts_added: 26
  pass: modular-v1
  engine: identity=anthropic,contract=anthropic,surfaces=anthropic,docs=anthropic,regulatory=anthropic

NPP Australia (AP+) API — frequently asked questions

Does NPP Australia (AP+) have an API?

Yes. APIs.io lists 4 APIs from NPP Australia (AP+), including NPP API Framework, PayTo and PayID, and 1 more.

Is there an OpenAPI specification for the NPP Australia (AP+) API?

Yes. APIs.io indexes 1 OpenAPI specification for NPP Australia (AP+), each linked for download from this page.

How do I authenticate with the NPP Australia (AP+) API?

NPP Australia (AP+) documents its authentication (openIdConnect/oauth2 · 1 scheme). The details are profiled on APIs.io as Npp Australia Authentication.

How much does the NPP Australia (AP+) API cost?

NPP Australia (AP+) publishes its prices; its Osko-SCT Per Transaction Scheme Fee (Payer) plan is 2c as of 2026-10-21. APIs.io lists 8 pricing plans for NPP Australia (AP+), with each plan's price, limits and inclusions under Pricing on this page.

Is the NPP Australia (AP+) API ready for AI agents?

NPP Australia (AP+) has a Kin Score of 38.3 out of 100 (thin) and an Agent Readiness score of 34.9 (agent-ready), scored by API Evangelist on 2026-11-06.

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