ZeptoTo lead the innovator in Australia’s Account-Account (A2A) payments, you have now launched its Inaugural Payroll Index, drawing Australian payment adoption as a six-time microphone along with the experience of the payment ecosystem in the United States.

Payto allows Australian businesses to collect payments immediately and securely from their clients’ bank accounts, a real-time alternative to traditional direct borrowers. With the traditional batch electronic clearing system (BEC) New Payment Platform (NPP)Australia’s open access, real-time payment infrastructure, was launched in 2018.

2030 By 2030, Zepto’s Payto Index demonstrates how NPP and Payto are used to gain momentum and serve as a benchmark for the benchmark, discussing market challenges and how they can be solved.

Key insights from indexes include:

• Between October 2023 and April 2025, more than 800,000 yuan was paid on the Zepto platform, worth US$511 million.
• Payment payment conversion rate 99.03% rear
• The median settlement time is less than five seconds.
• Account (AOF) payments are the most used cases, accounting for 70% of ZEPT platform disclosures and payments for individuals.
• Consumer pay use is increasing by a quarter, with 80% of which increased from FY25 to FY25 third quarter.
  • During this period, the median spending through Payto via Payto was $352.64.
  • Lifetime transactions per active account (TPAA) averaged 6.01.

As of July 2025, Zepto has since settled more than $1 million in payments (October 2023 to July 2025), totaling more than $612 million.

Market Leader

The index shows how it can promote operational efficiency, reduce transaction costs and improve customer payment experience by providing payment methods through Zepto.

“Red Energy’s partnership with Zepto is about empowering our clients with experience and providing them with faster and safer payment options,” said Anthony Young, Retail Finance Director at Red Energy.

According to the index, retailers and investment platforms are the sum of other payroll market leaders, which specifically mentions a large number of “archive account” use cases that demonstrate duplicate purchases and customer loyalty.

Overcome the challenge

The incident raised momentum, the index stressed that 90% of Australian retail A2A payments are still using the upcoming BEC infrastructure. Adoption disorders include:

• Inconsistent wage authorization processes across banks lead to significant differences in customer conversion rates
  • Banks’ conversion rate in the third quarter of FY25 ranged from 35.88% to 73.13%, and the total salary agreement conversion rate to AVEGE was 54.52%.
• Rely on heritage and financial system software industry
• Low consumer education and awareness of benefits and enhanced pay user experience

Call for industry leaders and collaboration

To overwork, Zepto calls for urgent action, government, banks and industry institutions to realize the full benefits of Payto and NPP.

Chris Jewell (pictured), President and Co-founder Zepto“Real-time payments through Payto and NPP are not just technological upgrades, they are the foundation of a faster, safer and customer-centric economy. First of all.