Account-to-Account (A2A) Payments Roundtable Update: November 2025 Meeting

At the third meeting of the A2A Payments Roundtable held on Friday 21 November 2025 in Sydney, attended by representatives from AusPayNet, AP+, the RBA and the Commonwealth Treasury, Roundtable participants discussed the following:

Development of the vision for A2A payments. The Roundtable welcomed the publication of the Findings Report on insights from the public consultation on the vision for A2A payments. The Roundtable discussed progress made on the vision’s development, and provided feedback on the approach to address trade-offs that may arise between various end-user needs and the payment system characteristics required to enable the delivery of these needs. Potential trade-offs that were discussed included: 

• balancing standardisation with payment provider flexibility;
• the tension between providing low-cost payments and delivering new payment capabilities;
• meeting the demand for fast payments while protecting the safety of users; and
• facilitating broad payment provider access to the payment system while maintaining its safety and stability.

The Roundtable agreed a plan for direct engagement with key stakeholder groups to discuss the emerging vision. The Roundtable will organise separate sessions with members of BECS and NPP, operators of other payments schemes, and end-user groups. The Roundtable expects these sessions to occur in February and March 2026.

AusPayNet’s assessment of options for the future of the BECS system. AusPayNet provided a further update on its discussions with BECS members regarding the future of BECS and confirmed its plan to release an update on the future of BECS before the end of 2025.

Update on the AP+ Move to NPP program. AP+ provided a program update noting that a number of discussions relevant to the Move to NPP program were occurring via AP+ scheme governance committees over the coming weeks. A further update on the program will be provided at the next Roundtable including the work underway on bulk payments and contingency. 

The next meeting of the A2A Payments Roundtable will be held on 12 December 2025.