The vision for account-to-account payments in Australia
A2A vision > Next steps
7 Next steps
The publication of the A2A payments vision paves the way for the assessment of options for delivering the A2A payments vision at the overall A2A payments system level. Delivering a clear, time-bound A2A payments roadmap is the critical next step in the process, that will translate the preferred option into an executable plan.
The A2A payments roadmap will be developed collaboratively in 2026 through the A2A Payments Roundtable process, under authorisation¹ by the ACCC.
The development of the A2A payments roadmap may identify areas where the A2A payments vision would benefit from greater clarity or refinement. Should this occur, an updated A2A payments vision may be issued alongside the industry roadmap.
Execution of aspects of the A2A payments roadmap should commence in 2027 and is expected to require industry governance and coordination mechanisms, subject to ACCC authorisation.
[1] The ACCC authorisation enables AusPayNet, AP+, members of BECS, members of the NPP and other industry stakeholders to engage in discussions and share information for the purpose of developing a common industry vision regarding the future of account-to-account payments infrastructure in Australia, and to reach in-principle agreement as to how that desired future state should be achieved. The RBA and Commonwealth Treasury are also involved in these discussions. Quarterly reporting on these discussions is available on the ACCC website - ACCC authorisation
The Account-to-Account Payments Roundtable brings together Australian Payments Network (AusPayNet), Australian Payments Plus (AP+), the Reserve Bank of Australia (RBA), and Commonwealth Treasury to support discussion and coordination on the future of account-to-account payments in Australia. The Roundtable is not a governance or decision-making body. Participating organisations retain their respective responsibilities, governance arrangements, and independence. This website is managed by Australian Payments Plus (AP+) on behalf of the Account-to-Account Payments Roundtable.
In the spirit of reconciliation, the Account-to-Account Payments Roundtable acknowledges the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respect to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples.
©2026 The material on this website is subject to copyright, with portions of the material owned by Australian Payments Plus, Australian Payments Network Limited, the Reserve Bank of Australia and Commonwealth Treasury. All rights are reserved unless otherwise indicated.
