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Pin Payments

Pin Payments

Australian startups

VS

PaymentCloud

High Approval Rates

PaymentCloud
Fees from
1.75% + $0.30 domestic vs ~3-7%
Features

1 shared

1 unique to Pin Payments · 1 unique to PaymentCloud
Regions

0 shared

1 unique to Pin Payments · 2 unique to PaymentCloud
Pay methods

4 shared

4 unique to Pin Payments · 2 unique to PaymentCloud
On region

PaymentCloud covers 2 regions; Pin Payments covers 1. Verify directly with each provider before signing.

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Show full specs
3 features · 10 payment methods · 3 regions. We don't rank these — they're here for reference.
Pin Payments Pin Payments
PaymentCloud PaymentCloud
Quick Facts
Fees
Standard transaction rate
1.75% + $0.30 domestic
~3-7%
Settlement
Time to receive funds
3 business days
1–3 business days
Founded
2013
2015
Headquarters
Melbourne, Australia
Los Angeles, California
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
High Risk Accepted Unique
—
✓
Low Fees Unique
✓
—
Startup Friendly
✓
✓
Payment Methods
Pin Payments leads (8 vs 6)
Ach Unique
—
✓
Amex
✓
✓
Apple Pay Unique
✓
—
Diners Unique
✓
—
Discover
✓
✓
Echeck Unique
—
✓
Google Pay Unique
✓
—
Jcb Unique
✓
—
Mastercard
✓
✓
Visa
✓
✓
Regions
PaymentCloud leads (2 vs 1)
Europe Unique
—
✓
North America Unique
—
✓
Oceania Unique
✓
—

Pin Payments is best when you...

Australian startups
Need Low Fees
Not available with PaymentCloud
Want coverage in Oceania
PaymentCloud doesn't cover this region
View Pin Payments

PaymentCloud is best when you...

High Approval Rates
Need High Risk Accepted
Not available with Pin Payments
Want coverage in Europe, North America
Pin Payments doesn't cover these regions
View PaymentCloud

Frequently Asked Questions

What is the difference between Pin Payments and PaymentCloud?
They share 4 payment methods and 0 regions. Pin Payments adds Apple Pay, Diners Club, Google Pay and 1 more that PaymentCloud does not list; PaymentCloud adds ACH, eCheck that Pin Payments does not list; Pin Payments also covers Oceania; PaymentCloud also covers Europe, North America.
Which is cheaper, Pin Payments or PaymentCloud?
Pin Payments has published rates from 1.75% + $0.30 domestic; PaymentCloud has published rates from ~3-7%. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Pin Payments and PaymentCloud?
Pin Payments lists 1 region and 8 payment methods; PaymentCloud lists 2 and 6. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Pin Payments and PaymentCloud compare on integration and settlement?
both offer a sandbox; both support webhooks; Pin Payments settles in 3 business days, PaymentCloud in 1–3 business days.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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