New Payments Platform (NPP)

The New Payments Platform (NPP) allows fast and data-rich transactions between Australian accounts.

The following file formats support the additional information provided with an NPP payment:

Other file formats may include NPP transactions, however those formats do not support any additional data provided from NPP transactions.

The following information is only applicable to the above file formats that support the extended data provided with an NPP transaction.

NPP transaction codes

Transactions made via NPP are represented by the following Westpac transaction codes.

Transaction Code	Description
`803`	SCT (Simple Credit Transfer) Debit
`817`	OSKO Debit
`870`	SCT (Simple Credit Transfer) Debit Return
`874`	OSKO Debit Return
`886`	SCT (Simple Credit Transfer) Credit
`887`	OSKO Credit
`891`	SCT (Simple Credit Transfer) Credit Return
`892`	OSKO Credit Return
`895`	SCT (Simple Credit Transfer) Credit Reversal
`896`	OSKO Credit Reversal

NPP return and reversal codes

Reason Code	Description
`AB##`	Where `#` is a digit 0-9. The payment could not be processed due to an NPP technical issue.
`AC01`	Credit account is invalid.
`AC02`	Account closing or closed.
`AC03`	Account has invalid account status.
`AC06`	Branch not found.
`AC07`	Account not found.
`AC14`	Account exists but cannot accept funds via NPP.
`AC18`	Debit account is invalid.
`AC26`	Debtor account number is invalid or missing.
`AC27`	Payee account number is invalid or missing.
`AC29`	Payee account is unable to have transactions posted.
`AC30`	Payee account is closed.
`AG03`	Account exists but does not support this business service.
`AG04`	Account exists but does not support credits.
`AGNT`	Incorrect reference data or clearing and settlement agent relationships.
`AM01`	The service prohibits zero dollar payments.
`AM02`	Payment amount is greater than the allowed maximum.
`AM03`	Foreign currency amount invalid.
`AM11`	Payment is not a valid currency.
`AM12`	Payment amount is invalid or missing.
`AM13`	Payer account has insufficient funds.
`AM15`	Payment amount is less than agreed amount.
`AM18`	NGS Liquidity module fails pre-clearing funds check.
`AM19`	Number of transactions at a group level is invalid or missing.
`AM22`	Unable to apply zero amount to designated account.
`AV04`	Insufficient funds.
`AV05`	Fund calculation is in progress and currently unavailable.
`BE06`	Account does not exist, or account exists but cannot accept funds.
`BE22`	Creditor name is required, but was not provided.
`CH17`	Value supplied is not allowed.
`CH20`	Decimal places in amount not consistent with currency.
`CH21`	Compulsory values are missing.
`CURR`	Currency of the payment is incorrect.
`DE32`	Name of remitter was not supplied.
`DT02`	Invalid creation date format.
`ED06`	Interbank settlement system is not available.
`FF01`	File format is incomplete or invalid.
`FF04`	Service level code is missing or invalid.
`FF08`	End to End Id is missing or invalid.
`FF10`	Transaction unable to be processed by beneficiary bank.
`FF11`	Clearing request rejected due to an abort operation.
`PS01`	Duplicate Payment Id.
`PV25`	Payment amount exceeds limit set by LAF rule engine.
`RC05`	BIC identifier is missing or invalid.
`RR05`	Regulatory or Central Bank Reporting information missing or invalid.
`RR07`	Remittance information structure does not comply with rules for payment type.
`SY##`	Where `#` is a digit 0-9. The payment could not be processed due to an NPP technical issue.
`TD03`	Incorrect file structure.
`TE##`	Where `#` is a digit 0-9. The payment could not be processed due to an NPP technical issue.
`TF##`	Where `#` is a digit 0-9. The payment could not be processed due to an NPP technical issue.

NPP sample files

The following files are intended to be examples only.

These files contain examples of all NPP transaction codes, and how they will appear in a standard statement. Any additional information included in an NPP transaction is only supported in the CAMT.053 and Extended CSV formats.