generated: '2026-07-24'
method: derived
source: NPP API Framework v5.0 (https://www.auspayplus.com.au/wp-content/uploads/2024/06/NPP-API-Framework-v5.0.pdf) + apis.yml description
note: >-
  PayTo/NPP is a documentation- and rulebook-first domestic scheme. The scheme
  operator (AP+/NPP Australia) does not host a self-serve public API; conformance
  claims below are derived from the published NPP API Framework and PayTo
  positioning, not from a machine-readable OpenAPI (none is published).
standards:
- id: iso20022
  conforms: true
  evidence: >-
    The NPP API Framework v5.0 defines the mandatory data attributes and technical
    approach for PayTo and NPP APIs aligned to the ISO 20022 financial-messaging
    standard.
- id: real-time-payments
  conforms: true
  evidence: >-
    PayTo runs as an overlay service on the New Payments Platform (NPP), Australia's
    real-time account-to-account clearing and settlement rail, providing instant
    settlement for mandated payments.
- id: psd2
  conforms: false
  evidence: >-
    PayTo is an Australian domestic scheme governed by NPP rules and the Consumer
    Data Right, not the EU PSD2 regime.
- id: rfc9457-problem-details
  conforms: false
  evidence: No public OpenAPI is published to assert an error-envelope format.