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 Point of Sale (POS) terminal, to withdraw cash from an ATM, or for purchases over the phone or internet.

In Australia, commercial schemes provide debit and credit payment systems - the international credit and debit card schemes (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 provides a forum for discussions, establishes rules, standards and guidelines, and provides a range of specialty services for all card payments in Australia.

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 debit cards, in February 2016.

Access Arrangements

APCA has responsibility for administration of the ATM Access Code.

eftpos Payments Australia Limited (ePAL) administers a central hub for access arrangements for the eftpos system.

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IAC Affiliates

IAC Affiliates are industry stakeholders that do not directly participate in the card payments industry as Issuers or Acquirers, or as Operator Members, but who participate indirectly by providing goods or services to those persons.

List of IAC Affiliates