# Australia — payment codes and schemes

> Source: https://docs.barcoder.ai/docs/payments/AU
> extracted at 2026-10-03
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

## Summary

- **NPP** 1.6B transactions (2024)
- **PayTo** QR-enabled real-time
- **PayID** alias-based payments
- **AUD 3.6B** merchant benefits
- **Osko** instant transfers

## Banking landscape

### Central Bank
- **Name:** Reserve Bank of Australia (RBA)
- **Website:** https://www.rba.gov.au/
- **Role:** Monetary policy, payment oversight

### Major Banks (2024)

| Rank | Bank Name | Type | Digital Platform |
|------|-----------|------|------------------|
| 1 | Commonwealth Bank | Big Four | CommBank App |
| 2 | Westpac | Big Four | Westpac App |
| 3 | ANZ | Big Four | ANZ App |
| 4 | NAB | Big Four | NAB App |
| 5 | Macquarie | Investment | Macquarie App |

### Market Structure
- **Big Four:** 80%+ market share
- **NPP:** 100+ institutions connected
- **Australian Payments Plus:** Infrastructure operator
- **Fintechs:** Growing sector

---

## Payment infrastructure

### National Payment Systems

| System | Operator | Type | Status |
|--------|----------|------|--------|
| NPP | AusPayPlus | Real-time | 1.6B txns |
| PayTo | NPP | QR-enabled | Active |
| PayID | NPP | Alias | Active |
| Osko | NPP | Instant | Active |
| eftpos | eftpos | Debit | Active |

### NPP Platform
- Launched 2018
- $6B daily payments
- Real-time settlement
- 24/7/365 operation
- 100+ institutions

### PayTo Features
- Direct debit replacement
- Real-time authorization
- QR code integration
- Customer consent flow
- Lower cost than cards

---

## QR code standards

### NPP QR Standard

| Attribute | Value |
|-----------|-------|
| **Operator** | Australian Payments Plus |
| **Standard** | NPP QR Code Standard |
| **Feature** | Cross-scheme |
| **Status** | Active |

### QR Standard Features
- Single common code
- Multiple service operators
- Cross-scheme compatibility
- E-wallet integration
- Financial institution support

### eftpos QR
- National debit scheme
- QR code network rolling out
- Online, mobile, in-store
- Competing with card tap

---

## Mobile payment apps

| App | Provider | QR | Features |
|-----|----------|-------|----------|
| Bank Apps | Big Four | Yes | PayTo/PayID |
| Azupay | Fintech | Yes | AzupayID |
| eftpos QR | eftpos | Yes | Debit |

### Adoption Statistics
- 70% businesses use QR codes
- 65% Australians scanned QR (April 2024)
- 33% revenue growth for A2A adopters
- AUD 3.6B net benefits (2024)

### PayID Usage
- Phone number or email
- Instant transfers
- No BSB/account needed
- Real-time verification

---

## Schemes

| Scheme | Type | Symbology | Adoption | Technical standard |
|---|---|---|---|---|
| [NPP QR](https://docs.barcoder.ai/docs/payments/AU/npp-qr) | Real-time | Standard | 1.6B | [`npp`](https://docs.barcoder.ai/docs/standards/npp) |
| [PayTo](https://docs.barcoder.ai/docs/payments/AU/payto) | Authorization | QR | Active | — |
| [eftpos QR](https://docs.barcoder.ai/docs/payments/AU/eftpos-qr) | Debit | Network | Rolling out | [`eftpos-qr`](https://docs.barcoder.ai/docs/standards/eftpos-qr) |

## Sources

- [NPP Australia](https://www.auspayplus.com.au/solutions/npp)
- [QRco.au - NPP QR](https://www.qrco.au/blog/the-new-payments-platform-nnn-in-australia-supports-qr-code)
- [Payments CMI - Australia 2025](https://paymentscmi.com/insights/australia-2025-analysis-payments-ecommerce-trends/)
- [iTnews - NPP QR Codes](https://www.itnews.com.au/news/new-payments-platform-ropes-in-qr-codes-526064)

## Full country report

[AU-australia.md](https://docs.barcoder.ai/docs/payments/AU)