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APIs

Connect CommBank's payment and financial solutions to your business with secure APIs

Select a product to view Integration details and documentation. If you want to explore the bahaviour of our APIs, check out our demo.

Solutions

NameCheck

NameCheck API is a security tool to reduce fraud.
  • Check account details before payment
  • Real time assessment of payee information

Foreign Exchange

CommBank FX API enables real-time foreign exchange pricing and trade execution.
  • Access real-time FX quotes across currency pairs
  • Lock in rates and execute trades instantly

Fast Payments

Fast Payments API is a digital way to issue payments - fast, flexible, and embedded.
  • Send payments in near real time, 24/7
  • Receive instant payment confirmation

PayTo®

PayTo API is a modern digital payment solution for account to account payments.
  • Enable customer authorised payments
  • Support one off and recurring payments

What are APIs?

CommBank APIs are a modern integration pathway that enable your business systems to connect directly with CommBank services and exchange payment, account and reporting information in real time. Using secure Application Programming Interfaces (APIs), businesses can embed banking capabilities directly into ERP, finance, treasury, digital channels and customer-facing applications without relying on file transfers. APIs are designed for organisations that require real-time data, seamless system integration and automated decision-making as part of their operational and financial workflows.

Key Features & Benefits

APIs provide a secure, scalable and real-time connection between your business systems and CommBank.

  • Initiate payments and access account information directly from your business applications
  • Receive real-time responses, status updates and account data through a single integration
  • Embed banking functionality into ERP, finance, treasury and customer-facing platforms
  • Reduce manual processing through automation, straight-through processing and real-time reconciliation
  • Improve flexibility and security using standardised REST APIs, modern developer tools and industry-standard authentication controls

How do APIs work?

APIs allow your business applications to send requests directly to CommBank and receive responses in real time.

  • Your business application submits a request to a CommBank API endpoint
  • The request is securely authenticated and authorised using industry-standard security protocols
  • CommBank validates the request and processes the transaction or information enquiry
  • A response is returned immediately, providing payment outcomes, account information or transaction status updates
  • Your application uses the response to update workflows, trigger actions or present information to users

Who are APIs for?

APIs are recommended for organisations seeking real-time banking capabilities, embedded financial services and highly automated workflows. They are particularly suited to businesses with digital channels, customer applications, modern ERP platforms, treasury systems or development teams that want to integrate banking functionality directly into their technology ecosystem.

API workflow

API workflow diagram PayTo is a registered trade mark of NPP Australia Ltd. ABN 68 601 428 737.