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