How We Work


APCA works to enhance the payments platform, encourage effective competition and promote innovation in the Australian payments system.

We do this through:

  • self-regulation and standards
  • industry policy development, advocacy and thought leadership
  • a unique framework for industry collaboration
  • provision of member benefits.

APCA works to enhance the payments platform, encourage effective competition and promote innovation in the Australian payments system.

To discharge its role effectively, APCA maintains a layered decision-making structure designed to ensure the right level of attention to issues of overarching principle and to issues of technical detail.  The board is the top-level decision-making venue, supported by management committees, technical committees, working groups and advisory bodies.

Liaison with stakeholders is critical to improving awareness, informing payments policy developments and optimising the self-regulatory framework within which APCA operates.  In order to stay in touch with the broad community interested in payments, APCA undertakes both structured and ad-hoc liaison at multiple levels.  This ranges from formal meetings with regulators through to public consultations and awareness campaigns.

In undertaking our work

  • we are committed to an honest, open and transparent approach
  • we collaborate with members and other stakeholders to encourage shared success.
  • our processes embody fairness particularly in the recognition and balancing of competing interests and views
  • we adopt a rigorous approach to identifying industry solutions.
  • we are committed to open, vigorous debate in finding a common solution

APCA Board

The APCA board is responsible for setting the company's strategic direction and corporate governance. The board's mandate is to act in the best interest of the overall payments system.

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APCA Members

APCA’s membership is open to organisations that directly participate in at least one recognised Australian payment system. Currently, APCA has 100 participant members including the Reserve Bank of Australia, major and regional banks, building societies, credit unions, major retailers and other principal payments service providers.

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