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A2A

News about Account-to-Account (A2A), PayTo, PayID, BECS and AP+

A2A

+2

AP+ scales up cybersecurity defences
LockSimple

Feb 4, 2026

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AP+ scales up cybersecurity defences

Australian Payments Plus (AP+) is bulking up its cyber security and fraud capabilities across its critical infrastructure, as Australia comes under increasing threat from bad actors.

Digital & Online

+1

ATO reprieve! Rules relaxed for payday super’s complex first year
LockSimple

Feb 4, 2026

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ATO reprieve! Rules relaxed for payday super’s complex first year

The ATO has relaxed its compliance requirements for the introduction of payday super on 1 July, recognising the complexity of implementation for some employers.

Fintech

+1

Binance deposits play unplugged
LockSimple

Feb 4, 2026

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Binance deposits play unplugged

Just two weeks after embattled crypto exchange Binance re-launched direct dollar deposits and withdrawals via PayID and bank transfers in the Australian market, the service appears to have been switched off.

Fintech

+1

Banking Circle zeros in on fintech with NPP commitment
LockSimple

Jan 28, 2026

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Banking Circle zeros in on fintech with NPP commitment

New-look Banking Circle Australia is bolstering its fintech play to compete directly with Cuscal - firmly backing in its commitment to the New Payments Platform (NPP), including cross-border payments.

A2A

NPP upgrades for growth despite BECS hurdles
LockSimple

Jan 28, 2026

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NPP upgrades for growth despite BECS hurdles

While the BECS transition has hit some hurdles, the New Payments Platform (NPP) is getting ready for its next growth phase, with a capacity uplift and message updates designed to steer more traffic to the platform.

Fintech

+1

Azupay PayID option now available to Scoot customers
LockSimple

Jan 21, 2026

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Azupay PayID option now available to Scoot customers

Australian payments tech Azupay has partnered with Singapore Airline’s low-cost subsidiary Scoot, allowing Australian customers to access PayID as a new payment option for account-to-account transactions at checkout.

Fintech

+1

Teething issues as embattled Binance bounces back with PayID via Bano
LockSimple

Jan 21, 2026

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Teething issues as embattled Binance bounces back with PayID via Bano

Embattled crypto exchange Binance Australia is again offering direct Australian dollar deposits and withdrawals via PayID and bank transfers - but customers say there are teething issues.

Cash

+3

Australian card payments cross $1.1 trillion milestone
LockSimple

Jan 14, 2026

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Australian card payments cross $1.1 trillion milestone

Australian card payment volumes have crossed the $1.1 trillion threshold for the first time, reaching $1.105 trillion over the past 12 months. The milestone reflects continued growth in consumer card usage.

A2A

NPP bulk solution in play, as AP+ moves to capture government payments on NPP
LockSimple

Jan 14, 2026

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NPP bulk solution in play, as AP+ moves to capture government payments on NPP

Australian Payments Plus (AP+) is working on a solution to process massive bulk payments files, as it tries to capture government payments - like welfare - and secure the BECS closure.

A2A

A2A Roundtable to consult with end users next month – finally
LockSimple

Jan 7, 2026

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A2A Roundtable to consult with end users next month – finally

The fourth meeting of the A2A Payments Roundtable was held last month in Sydney but broader stakeholders and end users will need to wait until at least next month to have a say.

A2A

+1

AP+ pivots to business as industry moves to complete CoP rollout
LockSimple

Jan 7, 2026

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AP+ pivots to business as industry moves to complete CoP rollout

Confirmation of Payee (CoP) is continuing to build momentum, with Australian Payments Plus (AP+) now focusing its attention on business customers.

A2A

Worldpay picks Banking Circle to partner on real time play in Australia
LockSimple

Jan 7, 2026

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Worldpay picks Banking Circle to partner on real time play in Australia

Worldpay is partnering with Banking Circle to provide its Australian customers real-time payouts, consistent integration, reporting, and reconciliation as well as full support for local clearing rails.

Fintech

+1

BECS 2030 closure abandoned as industry develops roadmap
LockSimple

Dec 17, 2025

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BECS 2030 closure abandoned as industry develops roadmap

After a lot of noise in the market and a damning risk assessment from the RBA, the industry has finally ditched the 2030 BECS closure date. No new date will be nominated until the industry can demonstrate it has overcome a number of hurdles such as reach, resilience, cost and a shared vision for A2A.

Cash

+12

Massive year in payments but 2026 looms even larger
LockSimple

Dec 17, 2025

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Massive year in payments but 2026 looms even larger

There will be little rest for the payments industry this summer, as businesses, regulators and lawmakers get ready for a raft of big changes in the New Year. In the final edition of PayDay News for 2025, we look at the big changes this year, and what to expect in 2026.

A2A

NPP volume up 14%
LockSimple

Dec 17, 2025

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NPP volume up 14%

The New Payments Platform (NPP) processed almost 2 billion transactions in the past 12 months – a 14% lift Year on Year as more use cases emerge.

Digital & Online

+3

As the rollout deadline approaches, Confirmation of Payee may need to race on off-system BSBs and allocated EFT
LockSimple

Dec 10, 2025

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As the rollout deadline approaches, Confirmation of Payee may need to race on off-system BSBs and allocated EFT

The rollout of Confirmation of Payee is due for completion by year end, already reaching 141 million Australian bank accounts across 116 organisations. But like all payments upgrades there may be some work still to do at the edges, including off-system BSB and allocated EFT transactions.

Digital & Online

+2

Australia’s first real-time super payment from inside payroll
LockSimple

Dec 10, 2025

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Australia’s first real-time super payment from inside payroll

Employment Hero has processed its first Payday Super payment over the NPP via HeroClear, a super-clearing and validation solution built with payments provider Zepto and SuperStream messaging provider OZEDI.

Cash

+2

Device-not-present transactions account for 85% of card payment growth
LockSimple

Dec 10, 2025

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Device-not-present transactions account for 85% of card payment growth

The dominance of device-not-present payments continues to reshape the Australian payments landscape. The latest RBA data shows that of the $107.4 billion increase in annual card spend over the past year, $90.8 billion, 84.6% of total growth, has come from online shopping, bill payments and subscriptions.

Regulation

+1

RBA quietly launches major rebuild of its A2A payments infrastructure
LockSimple

Dec 3, 2025

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RBA quietly launches major rebuild of its A2A payments infrastructure

It’s clear the RBA knows exactly what it wants in a new A2A Payments Hub build. It has ruled out consortia or any alternative network designs, possibly leaving only a few players who can fit the bill.

Digital & Online

+3

ATO urges employers to move early on payday super or risk compliance nightmare
LockSimple

Nov 26, 2025

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ATO urges employers to move early on payday super or risk compliance nightmare

Employers have been warned to move early on payday super, with the ATO expecting 25 times the number of rejected contribution payments and payroll platforms pre-empting cash flow management issues.

A2A

Desire for real time transition tempered by cost, take up, outages and reach
LockSimple

Nov 26, 2025

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Desire for real time transition tempered by cost, take up, outages and reach

A summary of 68 submissions on the future of account-to-account payments shows a desire to move to real time payments but concerns remain around cost, take up of services, outages and account reach.

Digital & Online

+3

PayPal launches Xoom in Australia
LockSimple

Nov 26, 2025

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PayPal launches Xoom in Australia

PayPal has announced the launch of its international money transfer service Xoom in Australia, promising easy and safer money transfers for PayPal customers in over 150 countries across more than 100 currencies.

Digital & Online

+1

Super to kick up NPP volume in 2026 as use cases expand
LockSimple

Nov 19, 2025

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Super to kick up NPP volume in 2026 as use cases expand

Payday Super is likely to give NPP payments a much-needed volume boost in the new year, as transaction growth begins to move into new areas of the market including merchant disbursements, subscription services and cross border payments.

Digital & Online

+1

57% of Aussie corporates unaware of BECS “2030+” shutdown: CBA research
LockSimple

Nov 12, 2025

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57% of Aussie corporates unaware of BECS “2030+” shutdown: CBA research

New CommBank research suggests the majority of Australian corporates are unaware that the industry is planning to decommission the Bulk Electronic Clearing System (BECS) by “2030+”.

Regulation

+2

Focus on new BECS timeline as Mulino makes payments debut
LockSimple

Nov 12, 2025

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Focus on new BECS timeline as Mulino makes payments debut

A revised closure timeline for the Bulk Electronic Clearing System (BECS) will be front and centre when the new Financial Services Minister Daniel Mulino talks publicly on payments strategy for the first time in Sydney next month.

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