Fintechs have ripped into the governance and management of the New Payments Platform.FinTech Australia, in a submission to the Australian Payments Council "on payments in a global, digital world" included blunt language over their members' experiences with the NPP."Our members are facing significant challenges gaining access to the NPP in order to offer enhanced payments functionality. "They have found considerable barriers to direct participation in the NPP (as a participant or overlay provider) and have also faced challenges in partnering with existing participants," the submission says."The NPP access model requires new competitors to be accepted by the initial participants, which could reasonably be expected to involve conflicts of interest."It is fair to say it is an exclusive club and the eligibility criteria disadvantages perspective entrants. Our members have experienced difficulty gaining access to the NPP due to a lack of communication by the banks and a lack of information provided by the banks as to how to gain access and what services are currently available.  "In addition, consumers have also experienced this. Some banks have been better or worse than others in their communications around availability and how to use it."More than 2.5 million PayIDs have been created, NPP Australia said in an update posted to its website two weeks ago, around the anniversary of its debut in early 2018.This number is well below internal targets set by the NPPA and reflects the languid involvement of large banks, with the exception of Commonwealth Bank.The NPPA did not respond to a request for a response to the FinTech Australia commentary.An industry association, Fintech Australia represents more than 300 FinTech startups, VCs, accelerators and incubators.