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 five clearing systems covering cheques, direct debits and direct credits, aspects of eftpos and ATM 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 has:
- introduced direct charging at Australian ATMs.
- established the COIN infrastructure system working with Telstra.
- launched consumer and merchant education campaigns on how to prevent payments fraud.
- consulted with the Australian community on the future of cheques.