Card Network
Free
Physical Card Tap
Contactless card presented at a merchant terminal.
Customer
Merchant
Fraud & Risk Engine
Merchant Receipt
Beginner 8 min11 steps
Explore journey
Australian Payments
Current journeys primarily explore Australian payment concepts and publicly available industry information. Other payment markets may be explored in future.
Journey discovery
Pick a payment. Follow the journey.
Start with the payment experience you already know. Then go deeper into the rails, decisions and ecosystem behind it.
How card, wallet and online card payments really work.
Tokenised Card Payment
Free
Mobile Wallet Tap
Tokenised card in a mobile wallet used at a terminal.
Customer
Terminal
Card Network
Authorisation Response
Intermediate 10 min11 steps
Explore journey
Card Network
Free
Online Card Payment
Card-not-present checkout with 3D Secure.
Customer
Gateway
Card Network
Order Confirmation
Intermediate 12 min10 steps
Explore journey
Four lenses. One payment.
One payment. Four ways to understand it.
Every journey can be explored through the same four lenses. Move between them to see the payment change shape.
Customer
What does the customer see and experience?
Product
Which decisions shape the payment experience?
Transaction
Where does the payment actually move?
Ecosystem
Who participates and what do they control?
Interactive product decision preview
Payments are a series of product decisions.
Every payment carries signals. Every product choice you make changes what the customer experiences next.
Signal — high value payment
A customer sends $2,000 to a new PayID.
- New recipient detected — never paid before.
- Transaction value above the customer's usual pattern.
- No previous payment history with this account.
What should the product do?
Explore product decisions Payment rail explorer
Different payment. Different rail. Different product journey.
Explore how the customer experience changes when the payment rail changes.
Card tap
Card Network
CustomerTerminalNetworkIssuer
PayID payment
NPP
CustomerPayID resolveNPPRecipient bank
PayTo debit
Agreement + NPP
AgreementMerchant initiatesNPPCustomer bank
How these payment products connect
PayID, NPP and PayTo are different — and complementary.
Do not treat them as one product. Each plays a distinct role in an account-to-account payment.
PayID
Addressing
Helps identify a payment destination using a registered identifier.
NPP
Payment infrastructure
Provides fast account-to-account payment infrastructure.
PayTo
Agreement & initiation
Supports pre-authorised account-to-account payment agreements and payment initiation.
Ready to go deeper?
Ready to go beyond the payment basics?
Unlock PayID, NPP, PayTo and complex payment product journeys — refunds, reversals, chargebacks and more.
Pro early access
Expected launch price
AUD $29.99
one-time
No subscription planned for the initial Pro release.
Registering interest does not commit you to purchasing Pro.