Public consultation
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The vision for A2A payments in Australia
The Account-to-Account Payments Roundtable developed the vision for A2A payments through engagement with a wide range of stakeholder groups.
In April 2026, feedback on a draft vision for A2A payments was invited through a public consultation. This built on feedback from a previous public consultation led by AusPayNet and AP+ in 2025.
A2A vision consultation paper
Summary of submissions
Media release
Closing date
Submissions closed 22 May 2026. We thank all individuals, organisations and stakeholders who took the time to contribute.
Submissions
The following written submissions were provided as part of the consultation process. An additional 8 confidential submissions were received.
- Australian Banking Association (ABA) - Submission (PDF, 505 KB)
- ANZ - Submission (PDF, 93 KB)
- Australian Small Business and Family Enterprise Ombudsman (ASBFEO) - Submission (PDF, 153 KB)
- Azupay - Submission (PDF, 187 KB)
- Commonwealth Bank of Australia (CBA) - Submission (PDF, 842 KB)
- Customer Owned Banking Association (COBA) - Submission (PDF, 222 KB)
- Coles Retail Payments Solution - Submission (PDF, 115KB)
- CSIRO - Submission (PDF, 1.5 MB)
- Department of Industry, Science and Resources (DISR) - Submission (PDF,153 KB)
- Association of Digital Service Providers Australia New Zealand (DSPANZ) - Submission (PDF, 229 KB)
- Victorian Dept. of Treasury and Finance (DTF) - Submission (PDF, 321 KB)
- Emerging Payments Association Asia (EPAA) - Submission
- FinTech Australia - Submission (PDF, 1.8 MB)
- Flash Partners Pty Ltd - Submission (PDF, 113 KB)
- GoCardless ANZ - Submission (PDF, 184 KB)
- Individual 1 - Submission (PDF, 102 KB)
- Individual 2 - Submission (PDF, 114 KB)
- Independent Payments Forum (IPF) - Submission (PDF, 469 KB)
- Catena Digital Pty Ltd (Macropod Global) - Submission (PDF, 126 KB)
- Mastercard Australia - Submission (PDF, 271 KB)
- Mobypay Pty Ltd - Submission (PDF, 221 KB)
- Montran Corporation - Submission (PDF, 291 KB)
- Merchant Risk Council (MRC) - Submission (PDF, 211 KB)
- National Australia Bank (NAB) - Submission (PDF, 192 KB)
- Paypa Plane Australia - Submission (PDF, 381 KB)
- Reserve Bank of Australia, Banking Dept (RBA) - Submission (PDF,369 KB)
- SAP Australia - Submission (PDF, 144 KB)
- Scan & Pay (Senax Enterprises Pty Ltd) - Submission (PDF, 13 KB)
- Visa - Submission (PDF, 94 KB)
- Westpac (WBC) - Submission (PDF, 486 KB)
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.
