NPP Australia (AP+)

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.'
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: '0.20'
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