What We Do


The Australian Payments Clearing Association is the self-regulatory body for Australia’s payments industry.

In recent years, APCA's role has evolved to include strategic direction and regulatory policy for the Australian payments system

APCA was established in 1992 to manage and develop regulations, procedures, policies and standards governing payments clearing and settlement within Australia. In this core role, APCA oversees clearing systems and frameworks covering cheques, direct debits and direct credits, aspects of card transactions, high value payments and bulk cash exchanges between financial institutions.

APCA also administers the COIN infrastructure system which provides network services and connectivity for retail payments. More than 98% of Australia’s non-cash payment values are cleared through these various systems.

In recent years, APCA’s role has evolved to include strategic direction and regulatory policy for the Australian payments system. APCA provides a venue for industry collaboration on these issues and works closely with government, regulators, payments stakeholders and individuals to improve the payments system.

Recent Projects

Here are just some of our recent projects. APCA:

  • is administering the New Payments Platform Program.
  • jointly with the RBA established the Australian Payments Council.
  • consulted with the Australian community on the future of cheques.
  • launched consumer and merchant education campaigns on how to prevent payments fraud.
  • established the COIN infrastructure system working with Telstra.
  • implemented direct charging at Australian ATMs.