Top 5 Payment Gateways In Australia

According to the International Trade Administration, eCommerce took up 9% of all retail trades in Australia in 2020, and up to 29% of Australians use payment services to pay. ECommerce has become a big industry nowadays, and it is increasingly important for businesses to have a wide range of payment gateways to remain competitive. Knowing the need for a suitable payment service, we will discuss the top 5 payment gateways in Australia that merchants should consider.



Launched in 1998, eWay is the first payment gateway that we put on our Australian list. It is one of the oldest payment gateways in Australia with more than 20 years of experience in this country. Thanks to secure and robust APIs, eWay is compatible with most of the websites on the planet. In addition, eWay offers more than 250 shopping carts and software integrations

Another big benefit of using eWay is their built-in fraud prevention tool, which helps to avoid the increasing number of cyberattacks. In addition, there is 24/7 local support available whenever users need it. The only prominent drawback is that eWay only accepts payments with bank accounts based in Australia, New Zealand, Singapore, Hong Kong, Malaysia and the UK.

Regarding pricing plans, eWay has 3 types of payment plan that is aligned to specific needs:

  • All-in-one payment plan: 1.5% + 25c/ per Visa and Mastercard transaction
  • Requiring payments for a big business: flexible
  • Already having a merchant facility: Community Plan, Budget Plan, VIP Plan

After Pay

best payment gateways in australia - after pay

After Pay has proven itself to be one of the most popular payment gateways in Australia, despite some controversies. It works under the “buy now pay later” model and that is what makes them stand out from others. After Pay will pay for items first, which will be paid back by customers without any additional fees (if they do it on time). 

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In fact, 65% of respondents in a survey said that small digestible payments encouraged them to buy things they don’t normally purchase. By allowing users to make a purchase without an upfront payment, After Pay can remain competitive among many other payment gateways in the market. 

Additionally, this payment gateway takes all the chargebacks and fraud to encourage businesses to use their service. Despite the unique payment model, it can still be seamlessly integrated with the major eCommerce platforms, such as Shopify, Magento, WooCommerce and BigCommerce. 

The price for After Pay is 30c for each transaction, plus a 4-6% commission. Customers won’t have to pay for any extra costs.

Pin Payments

pin payments

Pin Payments is the next Australian payment gateway on our list, with which customers can make payments in many major and minor currencies. In this way, businesses can easily offer localized price options that fit their target markets. Other features of Pin Payments include seamless integration with big eCommerce platforms, sending invoices that link to the payment page, using smartphones to conduct payment in person, etc.

Pin Payments offers a pricing plan for domestic transactions:

  • For domestic cards: 1.75% + 30c
  • For international cards: 2.9% + 30c

Apart from that, there is also a ‘High Volume’ option for flexible price, depending on specific needs.


best payment gateways in australia - stripe

Stripe is one of the most powerful yet flexible tools for eCommerce in Australia. It accommodates the needs for a wide range of business types, such as an online store, on-demand marketplace, or a crowdfunding platform. 

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Moreover, Stripe accepts payments from more than 135 currencies across the world, which can encourage and support more international transactions. Its meticulously designed APIs help businesses to customize the best products for their customers.

Users in Australia will have 2 plans to choose from

  • Integrated: 1.75% + A$0.30 for domestic cards, 2.9% + A$0.30 for international cards. 
  • Customized: flexible for business with unique models or large payment volume

Fat Zebra

fat zebra

Fat Zebra is a reputable Australian payment gateway. It is compatible with all major Australian banks and well-known for its credibility. It stands out to be a Tier-1 PCI-DSS certified payment gateway, a comprehensive annual audit from PCI Consulting Australia. This means that its physical security, storage and transmission of credit card information are guaranteed.

With Fat Zebra, merchants can own a hosted payment page and have access to real-time sales analytics. Moreover, Fat Zebra also accepts MasterCard, Visa, JCB and American Express, making it convenient for customers to choose their preferred payment.

Fat Zebra has no contract or setup fees. In Australia, the price depends on the payment method that is used (which is made up of processing fees, plus payment method fee). 


Above all, we hope that these top 5 payment gateways in Australia can provide a better overview before you make the final decision. 

Lastly, a compatible POS system is also needed for businesses to cater to a wide range of customer preferences along with payment gateways. ConnectPOS is a point-of-sale provider that has supported many Australian merchants. Don’t hesitate to contact us for more details about how ConnectPOS can support various payment gateways and grow your business.

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