NPP Drives 71% of A2A Growth in Australia

Zepto's 2026 A2A Payments Index shows the New Payments Platform leading new account-to-account transaction growth across the country.

Updated on Nov. 9, 2026 in Financial Services

NPP Drives 71% of A2A Growth in Australia

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The New Payments Platform drove 71% of new account-to-account transaction growth in Australia in the year to July 2026, according to Zepto's 2026 A2A Payments Index. Australians moved $21.26 trillion through 5.35 billion account-to-account transactions over the period.

Why it matters

The shift toward faster, real-time payment rails reflects growing use of the New Payments Platform by Australians and businesses. Rising payroll obligations and payment redirection scams also place new demands on payment systems and their users.

BECS direct entry processed 3.36 billion transactions and carried 86% of total A2A value, or $18.4 trillion. PayTo processed 6.75 million payments worth $3.93 billion, with volume up 135.9% and value up 148.6% from a year earlier.

The players

Zepto

Zepto is the company that published the 2026 A2A Payments Index and built the HeroClear payroll-embedded superannuation clearing product.

Employment Hero

Employment Hero is an Australian human resources and payroll software provider that worked with Zepto and OZEDI on HeroClear.

OZEDI

OZEDI is an Australian provider of electronic data interchange services that partnered with Zepto and Employment Hero on HeroClear.

The details

Zepto worked with Employment Hero and OZEDI on HeroClear, a payroll-embedded superannuation clearing product built on Zepto infrastructure. In the first month of the new payday super regime, 782,000 super contributions worth AUD $660 million were processed through the service.

Year to July 2026: period covered by the A2A transaction and value data.
2025: payment redirection scams cost Australians AUD $166.8 million.
January to July 2026: account lookups returned actionable signals before payment.
September 2026: HeroClear onboarded 26,000 businesses and super contribution value reached $1.8 billion.

Market Landscape

The New Payments Platform, launched for real-time payments in Australia, has been gaining share against the older BECS direct entry system, which still carries most of the value. The payday super regime has moved employer super obligations from quarterly to every pay run, pushing payroll systems toward the same real-time infrastructure.

Employers paying super with every pay run will need payroll systems capable of handling more frequent, time-sensitive transactions. Individuals sending or receiving money through account-to-account payments should verify payee details carefully, as payment redirection scams cost Australians AUD $166.8 million in 2025.

The takeaway

Payments are moving toward faster, real-time rails, so checking payee details before sending money remains one of the most practical protections available to consumers.