Sources: Reserve Bank of Australia, AusPayNet and provider disclosures, 2024–2025.
How Australia pays
Australia pays by card, and increasingly by phone. Most debit cards are dual-network: they carry eftpos, the domestic debit scheme, alongside Visa or Mastercard. The Reserve Bank of Australia expects merchants and acquirers to offer least-cost routing, so domestic debit can travel over whichever network is cheaper. Apple Pay and Google Pay are everyday habits, and buy now, pay later services such as Afterpay took root here first.
Underneath sits the New Payments Platform, which powers instant transfers through PayID and the newer PayTo mandates for account-to-account billing. For an enterprise merchant, the value is optimization: routing that respects dual-network debit, retries across acquirers to protect approvals, and surcharging that stays within RBA rules, all behind one integration and settled in Australian dollars.
Why merchants run on us here
Least-cost routing on dual-network debit
Route domestic debit over eftpos where it costs less, while the co-badged Visa or Mastercard keeps working everywhere else.
Wallets on every phone
Apple Pay and Google Pay alongside cards, so returning shoppers check out with a tap instead of a typed card number.
Account-to-account on the NPP
PayTo lets customers authorize payments straight from their bank account, tracked as merchants adopt it for recurring billing.
One integration, dollar settlement
Cards, wallets and local methods behind one integration, in Australian dollars, with routing across acquirers and 3DS where it helps.
Payment methods
Cards
Visa
Mastercard
American Express
Discover
Diners Club
JCB
UnionPayBuy Now, Pay Later
Sandbox BNPLDigital wallets
PayPalExpress checkout
Apple Pay
Google PayGateways
Sandbox BNPLPayPal
Airwallex
Stripe
Adyen
Unlimit
Worldpay
Checkout.com
Authorize.net
MPGS
Cybersource
Sandbox GatewayAirwallex (Enterprise)
Braintree
CommerceHub
Fiserve
NMI
Nuvei
OrbitalBuilt for enterprise
Everything it takes to run payments in Australia
Local payment methods are only half the job. We carry the operational weight — acquiring, settlement, FX, licensing and reconciliation — so you can treat Australia like any other market in your stack.
One integration, every local method
Connect once and reach every card scheme, wallet, bank rail and installment provider in Australia through a single API — no separate contract or integration per provider.
Local acquiring, higher approvals
We route to local acquirers and retry failed payments across alternate rails, so domestic cards and wallets authorize at local rates instead of being declined as cross-border traffic.
Settlement, FX & repatriation
Collect in the Australian dollar (AUD) and settle in your base currency. We handle the FX conversion and the local rules for moving funds out of the country — the part most global merchants underestimate.
Licensing handled locally
Process through our locally licensed partner entities. You launch without standing up a local entity or chasing a payments license of your own.
Payouts & reconciliation
Pay out to sellers and process refunds on the same rails you collect on, and reconcile every flow — pay-in, payout, refund — in one ledger, in local or base currency.
Fraud, disputes & compliance
Real-time screening, chargeback and dispute handling, and KYC/AML that matches local regulator expectations — built in, not bolted on.
Ready to launch in Australia?
Talk to our payments team about going live in Australia — coverage, local acquiring, settlement and timelines for your business.