Cards and Accepting Devices


Debit and credit cards are the most common non-cash payment method used by Australian consumers today. Cards are used for in-store purchases using a POS (Point of Sale) terminal, to withdraw cash from an ATM, or for purchases over the phone or on the internet.

In Australia, commercial schemes provide debit and credit payment systems - the international credit and debit card schemes (e.g. Visa, MasterCard, Amex, Diners etc.) and the domestic debit card scheme, eftpos. Each scheme administers rules and standards for participation in its particular system.

APCA provides a venue for cooperation and collaboration among participants in the cards payment system.

Issuers and Acquirers Community

APCA established the Issuers and Acquirers Community (IAC) on 1 July 2015. The IAC promotes industry co-operation and co-ordination on non-commercial aspects of all card payments in Australia. It provides a forum for discussions, establishes rules, standards and guidelines and provides a range of specialty services to the card industry.

The initial IAC rules cover the domestic debit card environment including the security of PIN handling, transaction settlement and ATM operation.

Device Security and Evaluations

The IAC also provides security rules and standards for the approval and operation of ATMs, POS terminals and other PIN entry devices that accept debit card transactions in Australia.

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Consumer Electronic Clearing System

The IAC replaced the Consumer Electronic Clearing System (CECS) - APCA’s framework for aspects of debit card transactions since 2000. The initial IAC rules are largely unchanged from the CECS rules; both will operate side by side during a transition period of up to six months.

Access Arrangements

APCA has responsibility for administration of the EFTPOS Access Code and ATM Access Code.

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Fraud Protection Guidelines for Merchants


Protect Your PIN


Safeguard Against Skimming


Get Smart About Card Fraud Online