COIN | Australian Payments Network

The COIN is next generation connectivity for Australian payments.

The Community of Interest Network (COIN) is a high availability, managed network for multilateral secure transmission of payment files between payments participants.

Designed as collaborative core infrastructure for the future of Australia’s low-value payments, the COIN provides an alternative to point-to-point connectivity between payments participants.

Currently the COIN provides network services and connectivity for our frameworks for cheques, direct entry, and domestic cards. It also provides the network for BPAY bill payments.

The COIN operates independently from our other payments framework and is open to all participants in the payments system. We provides the rules, procedures and decision-making framework enabling participation in the COIN.

Telstra provides the IP-based virtual private network for the COIN.