7 Best Payment Gateways in Australia in 2026

Saranthip Saetang

10 Jun 2026

The Seven at a Glance

Stripe — Best for Australian businesses wanting a versatile, developer-first platform with competitive domestic rates and broad payment method support

Eway — Best for Australian merchants wanting the lowest flat-rate pricing and 250+ ecommerce platform integrations

Square — Best for retailers selling both in-person and online who want one platform for omnichannel payments

PayPal — Best for businesses wanting global reach and a checkout option Australian and international buyers already trust

ANZ Worldline — Best for established businesses that need bank-backed credibility, phone payment and small device capability, and same-day settlement

Pin Payments — Best for small businesses wanting a simple, startup-friendly setup with multi-currency support across 15 currencies

Worldpay (Now Global Payments) — Best for large businesses and business in specific industries like gaming and crypto

Australia’s ecommerce market is one of the most developed in the Asia-Pacific region. Cards are the most used online payment method, followed by PayPal, Apple Pay, and direct debit.

The payment gateway you choose determines which of these your customers can use at checkout — and how much you pay per transaction at your current volume. This guide covers 7 gateways used by Australian businesses, from broad developer platforms to locally focused providers.

All provider information is accurate as of June 2026. Please check each provider’s website for the latest pricing and features.

In this guide, you will learn:

Which payment gateways are available for Australian businesses in 2026
A comparison of seven providers across fees, accepted payment methods, and integration options
The pricing structure for each: flat-rate, transaction-based, or quote-based
Which gateway fits your situation: online-only, omnichannel retail, global reach, bank-backed, or SME simplicity
What to look for in the business account that receives your settled funds

Disclaimer: All fee data is sourced from official provider websites as of June 2026. Rates may change; verify directly with each provider before committing.

How we prepared this guide

Selecting a payment gateway in Australia involves more than comparing headline rates. Australian consumers use a broader mix of payment methods — debit cards, PayPal, Apple Pay, BECS direct debit, BNPL services like Afterpay, and POLi for bank transfers. The right gateway needs to support the methods your customers actually use.

I evaluated seven gateways across the criteria that matter most for Australian businesses:

Local payment method coverage: BECS direct debit, POLi, EFTPOS, and Australian-issued card support
Fee structure: flat-rate vs subscription vs quote-based, and how costs scale with volume
Integration breadth: compatibility with Shopify, WooCommerce, Magento, and other common platforms
Omnichannel capability: whether the gateway covers both online and in-person payments
Developer tooling: API quality, SDK availability, sandbox environments
Support accessibility: 24-hour availability, local presence

All pricing data sourced from official provider websites, June 2026.

Our Recommendation

For most Australian online businesses: Start with Stripe as your primary gateway. Its domestic rate is competitive, its developer tooling is the strongest on this list, and BECS direct debit keeps costs low for invoices. Add PayPal as a secondary checkout option if your customers expect it.

For omnichannel retailers: Square covers in-person (1.6%) and online (2.2%) in one platform with free POS hardware.

For the lowest domestic card rate with deep AU integrations: Eway at 1.5% + 25c beats Stripe on card transaction cost.

For bank-backed credibility and same-day settlement: ANZ Worldline.

For a simple multi-currency small business setup: Pin Payments.

For enterprise-level: Worldpay (Now Global Payments)

Quick Comparison

Provider	Best for	Domestic fee	Monthly fee
Stripe	Developer-first, broad AU payment methods	1.7% + A$0.30	None
Eway	Competitive flat rate, 250+ integrations	1.5% + 25c	None
Square	Omnichannel (in-person + online)	1.6% in-person / 2.2% online	A$0 - A$99
PayPal	Global reach, buyer trust	2.90% + fixed fees	None
ANZ Worldline	Bank-backed, phone payments	Quote-based	Quote-based
Pin Payments	Small business, 15-currency support	1.6% + 30c	None
Worldpay (Now Global Payments)	Large business with high-volume, crypto	Quote-based	Quote-based

GST may apply on fees. Verify current rates directly with each provider. June 2026.

1. Stripe

Best for: Australian businesses wanting a versatile, developer-first platform with competitive domestic rates, BECS direct debit support, and the broadest ecommerce and payment method coverage on this list.

Stripe is used by millions of businesses globally and is among the most recommended payment gateways for Australian SMEs by independent reviewers. It supports BECS direct debit, Afterpay, and most major Australian payment methods through a single integration.

Key features: BECS direct debit with capped fees; Stripe Checkout for hosted pages; Stripe Elements for custom checkout UI; Stripe Radar for AI-powered fraud detection; Stripe Connect for marketplaces and platforms; support for 135+ currencies; developer SDKs for web and mobile; sandbox environment.

Accepted methods: Visa, Mastercard®, American Express, JCB; Apple Pay, Google Pay; BECS direct debit; Afterpay; bank redirects.

Stripe Pricing

Transaction type	Rate
Domestic cards	1.7% + 30c
International cards	3.5% + 30c
Currency conversion	+2.0%
BECS direct debit	1.0% + 30c

Refer to Stripe’s Australian pricing page for full details.

✅ Who this suits

You want the most flexible payment platform with strong developer tooling and extensive documentation
You process a mix of card types, BECS direct debit, and digital wallets from one integration
You run a marketplace or platform that needs to split payments across multiple sellers (Stripe Connect)
You want transparent flat-rate pricing with no monthly fee and no merchant account requirement

❌ Who should look elsewhere

You need POLi or IVR phone payments for Australian-specific transactions
You want in-person POS hardware with a free reader and omnichannel inventory management — Square is better suited
You have no developer resources and need plug-and-play setup — Square or Eway offer simpler onboarding

2. Eway

Best for: Australian merchants wanting a low flat-rate pricing and broad ecommerce platform integration locally.

Eway is an Australia-based provider with 20+ years of experience serving over 97,000 businesses. Its 1.5% + 25c flat rate for domestic cards is the lowest published rate on this list, and its 250+ integrations cover Shopify, WooCommerce, BigCommerce, Magento, Xero, NetSuite, and more.

Key features: Online payments; one-click checkout; 24-hour emergency technical support; money deposited into your bank account within 1 to 3 business days, subject to approval; PCI DSS compliance; API, SDKs, sandbox

Accepted methods: Visa, Mastercard®, American Express, JCB, Discover; Apple Pay, Click to Pay.

Eway Pricing

Online Payment pricing

Fee	Amount
Domestic cards (Amex, Mastercard® and Visa)	1.5% + 25c
International credit card transaction	1.5% + 25c +1.99%
Setup	Free
Monthly	Free

Gateway Services pricing (bring your own merchant account):

Plan	Transaction fee	Monthly fee (billed annually)
Community	50c (10 free transactions/month)	A$20/month
Budget	60c (5 free transactions/month)	A$30/month
VIP	40c (200 free transactions/month)	A$60/month

Refer to the Eway pricing page for online payment and payment gateway for full details.

✅ Who this suits

You want a low flat rate for accepting domestic card payments
You use a major ecommerce platform and want plug-and-play integration
You have an existing merchant account and want to connect it via Gateway Services

❌ Who should look elsewhere

POLi and BECS – it’s unclear whether Eway supports POLi and BECS
No in-person POS capability — Square or ANZ Worldline are better for physical retail

3. Square

Best for: Australian retailers selling both in-person and online who want a single platform covering POS, inventory, and ecommerce payments. It is especially focused on restaurants, retail, and beauty businesses.

Square provides hardware, software, and payments under one system. Australian merchants get a free POS app and one dashboard managing in-store and online transactions, inventory, and reporting. Square also supports a BNPL option.

Key features: Hardware; POS app; unified dashboard for in-store and online; Afterpay BNPL integration; inventory management; same-day or next-business-day deposits; team management tools; Square Online for ecommerce.

Accepted methods: Visa, Mastercard®, American Express, Eftpos, JCB; Apple Pay, Google Pay; Afterpay.

Square Pricing

Transaction type	Rate
In-person (tap, insert, swipe)	1.6%
Online / card-not-present	2.2% 1.9% if you are on online Premium tier (A$99/month)
Afterpay (in-person)	6% + 30c (excl. GST)
Monthly fee =	Online and offline: 0 (Free account), A$40/mo (Plus) Online: 0 (Free account), A$36/mo (Plus), A$99/mo (Premium)

Refer to Square AU fees for current details.

✅ Who this suits

You run a retail, food, or service business with both physical and online sales
You want one platform for inventory, payments, and reporting across channels
You want POS hardware
Afterpay integration matters for your customer base

❌ Who should look elsewhere

You are primarily an online-only business — Square’s 2.2% online rate is higher than Stripe (1.75%) and Eway (1.5%)
You need deep developer customisation or marketplace payment splitting — Stripe’s API is significantly more capable

4. PayPal

Best for: Businesses wanting global reach and a checkout option Australian and international buyers already recognise and trust.

PayPal for Business operates across 200+ markets with 425 million users. In Australia, PayPal is one of the most common online payment methods, particularly among buyers who do not want to enter card details on unfamiliar sites. Most merchants add PayPal as a secondary checkout option alongside a primary gateway. PayPal Business Australia allows payment from 200+ markets in 130 currencies.

Key features: BNPL via Pay in 4 (0% interest for buyers); QR code payments; payment links; social media payment integration; PayPal Buyer and Seller Protection.

Accepted methods: PayPal balance; Visa, Mastercard®, and major cards; QR code; direct banking or vouchers

PayPal Pricing

Transaction type	Rate
Commercial transactions	2.90% + fixed fee (currency-dependent)
QR code	1.20%
International transactions	+1.00%

Refer to the PayPal Merchant Fees page for full details.

✅ Who this suits

Your customers expect PayPal at checkout as a trust signal, particularly international buyers
You sell across multiple markets and want a payment option that works globally
BNPL for buyers without adding a separate Afterpay integration matters (PayPal Pay in 4)

❌ Who should look elsewhere

As a primary gateway for domestic card processing, PayPal’s 2.90% rate is higher than Stripe, Eway, Square, and Pin Payments
Currency-based fixed fees make cost estimation harder than flat-rate alternatives
Account holds may be more common at PayPal than at gateway-only providers

5. ANZ Worldline

Best for: Established businesses needing bank-backed credibility and payment solutions for in-store, online, and on-the-go with mobile.

ANZ Worldline is a partnership between ANZ Bank and Worldline, Europe’s largest payment processor. It provides payment solutions for businesses of all sizes across Australia, including in-store and online payments, as well as Tap on Mobile technology that lets you accept payments directly on your phone.

Key features: EFTPOS machines; online acceptance; Tap on Mobile; pocket-sized payment devices; same-day settlement, an analytics dashboard, integrations with WooCommerce, Magento, PrestaShop and more; 24/7 local support; PCI DSS compliance.

Accepted methods: Visa, Mastercard®, American Express, Diners Club; UnionPay, JCB, Apple Pay, Google Pay; PayPal, Alipay+, WeChat, EFTPOS

ANZ Worldline Pricing

1.3% transaction fees on major cards (Visa, Mastercard® and eftpos). Other fees are quote-based. Contact ANZ Worldline sales. Refer to the ANZ Worldline Merchant Services Pricing Structure page for indicative structure.

✅ Who this suits

ANZ bank association adds credibility with regulated industry clients or B2B partners
Businesses that benefit from same-day settlement
Businesses serving international customers and tourists, particularly those who use Alipay+, WeChat Pay, UnionPay, and JCB.

❌ Who should look elsewhere

Quote-based pricing — you cannot compare all costs upfront
For small businesses or startups, the bank infrastructure adds complexity that Stripe or Eway avoid

6. Pin Payments

Best for: Small businesses and startups wanting a simple, no-merchant-account setup with multi-currency charging across 15 currencies.

Pin Payments is built for simplicity. No merchant account is required as Pin Payments combines a merchant account and payment gateway into a single, easy-to-use account. Businesses can charge customers in 15 currencies and settle in 8. It also operates across both Australia and New Zealand, making it a convenient choice for businesses that want a single payment provider in both markets.

Key features: 15-currency charging, 8-currency settlement; invoice links and payment buttons; recurring payments; Shopify, WooCommerce, Xero integrations; developer API; PCI DSS compliance.

Accepted methods: Visa, Mastercard®, American Express, JCB, Discover, Diners Club; Apple Pay, Google Pay.

Pin Payments Pricing

Transaction type	Rate
Domestic cards (domestic customer)	1.6% + 30c
Domestic transaction, international card	3.4% + 30c
Foreign currency, AUD settlement	3.4% + 30c + 1.7% conversion
Foreign currency, foreign settlement	3.9% + 30c

Non-profits can contact Pin Payments for custom pricing. Refer to the Pin Payments Pricing page for full details.

✅ Who this suits

You want a simple setup with no merchant account complexity
Multi-currency charging across 15 currencies matters for your customer base

❌ Who should look elsewhere

For high-volume businesses, costs escalate without a volume pricing option until you qualify for custom rates
Limited to Australia and New Zealand

7. Worldpay (Now Global Payments)

Best for Larger Australian businesses selling internationally that want enterprise-grade processing, the widest global payment method coverage on this list, and negotiated rates based on volume.

Worldpay is one of the world's largest payment service providers, covering 126 currencies and 300+ payment methods. For Australian merchants, the practical appeal is reach: payment acceptance includes the local schemes your overseas customers actually use. The trade-off is that Worldpay is built for scale, not simplicity.

Key features: Single API for global acquiring; 126-currency acceptance and 300+ payment methods; local acquiring in major markets to reduce cross-border fees; FX and currency conversion tools; fraud screening and 3D Secure tokenisation; consolidated cross-market reporting; industry-specific solutions for retail, travel, crypto, gaming, and subscriptions.

Accepted methods: Visa, Mastercard®, American Express, JCB, UnionPay; Apple Pay, Google Pay; Klarna BNPL; bank transfers and local payment schemes by market.

Worldpay Pricing

Quote-based. Worldpay does not publish upfront pricing — you contact the company for a quote based on your business profile, typically structured as interchange-plus for higher volumes. Custom pricing is geared toward Australian businesses with higher annual card turnover.

✅ Who this suits

You sell into multiple international markets and want one provider handling all payment methods instead of separate contracts per region
You process enough volume to negotiate good rates below the published flat rates of Stripe, Eway, or Square
Your customers pay with region-specific methods that single-market gateways do not cover

❌ Who should look elsewhere

Quote-based pricing means you cannot compare costs upfront
Small businesses and startups
If you only sell domestically, the global infrastructure is overkill and Eway's 1.5% + 25c flat rate is likely cheaper

What to Consider When Choosing a Payment Gateway

Security and compliance: All providers on this list are PCI DSS compliant. Look for end-to-end encryption, real-time fraud detection, and tokenisation. Ask what fraud tools are included at your pricing tier versus what costs extra.

Local payment method coverage: Confirm your shortlisted gateway supports the methods your Australian customers actually use. Not all gateways support POLi, BECS direct debit, or Afterpay — and these can meaningfully affect conversion rates for Australian buyers, depending on your targets.

Fee structure fit: Flat-rate plans (Stripe, Eway, Square, Pin Payments) work well for businesses with consistent volume. Gateway-only plans suit businesses with existing merchant accounts. Quote-based (ANZ Worldline) requires a sales conversation.

Omnichannel vs online-only: If you have a physical store alongside your online presence, you want to look for an integrated solution like Square and ANZ Worldline.

Settlement currency and speed: Confirm whether your gateway settles in AUD, how quickly funds arrive, and whether same-day settlement is available at your pricing tier.