Review of Payments System Regulation References
Issues Paper
June 2026
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ACCC (Australian Competition and Consumer Commission) (2025) ‘Australian Payments Network Limited and Ors’, 1 August.
AusPayNet (Australian Payments Network) (2025a), ‘Standard for Payment Service Provider Porting of Merchant Payment-Related Data’, 1 July.
AusPayNet (2025b), ‘2025 Australian Payment Fraud Report’, August.
AusPayNet (2025c), ‘AusPayNet Revises Outlook for the Bulk Clearing System (BECS) Framework’, Media Release, 16 December.
AusPayNet (2026), ‘Advanced Encryption Standard (AES) Migration’, May.
Australian Signals Directorate (2025), ‘Planning for Post-quantum Cryptography’, September.
Bullock M (2026), ‘Opening Statement to the House of Representatives Standing Committee on Economics’, Canberra, 6 February.
Dobie B and B Watson (2024), ‘The Effect of Least-cost Routing on Merchant Payment Costs’, RBA Bulletin, April.
Kim S and M Reschke (2026), ‘Consumer Payment Behaviour in Australia’, RBA Bulletin, May.
RBA (Reserve Bank of Australia) (2023) ‘The Australian Debit Card Market: Default Settings and Tokenisation’ Conclusions Paper, September.
RBA (2024), ‘Expectations for the Tokenisation of Payment Cards and Storage of PANs’, May.
RBA (2025a), ‘Decommissioning of the Bulk Electronic Clearing System: RBA Risk Assessment’, March.
RBA (2025b), ‘Payments System Board Update’, Media Release No 2015-14, 5 June.
RBA (2025c), ‘Public Interest Framework for a Successful Account-to-Account Payments System’, July.
RBA (2026a), ‘Review of Merchant Card Payment Costs and Surcharging’, Conclusions Paper, March.
RBA (2026b), ‘Update on Availability and Enablement of Least-cost Routing for Merchants – Data as at December 2025’, March.
RBA (2026c), ‘Decommissioning of the Bulk Electronic Clearing System: RBA Risk Assessment Update’, March.
RBA (2026d), ‘Roundtable Opens Public Consultation on Draft Vision for Account-to-Account Payments in Australia’, Media Release No 2026-11, 30 April.
Treasury (2024), ‘Australia’s Cheques Transition Plan’, November.