Review of Payments System Regulation
Issues Paper
June 2026
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Contents
- Executive Summary
- 1. Background
- 2. Merchant Choice in Payments
- 3. Mobile Payments, Non-designated Card Networks and Buy Now Pay Later
- 4. Account-to-account Payments
- 5. Cryptography and Fraud Prevention
- 6. Other Issues
- 7. Next Steps
- References
- Appendix: Questions for Stakeholders
© Reserve Bank of Australia 2026.
For the full copyright and disclaimer provisions that apply to this publication, see https://www.rba.gov.au/copyright.
ISBN 978-0-6483604-7-6