Best Payment Providers for Oceania

Digital Goods

A global payment platform now owned by Verifone, with particular strength in digital goods and subscription billing. 2Checkout supports 45+ payment methods across 200+ countries with built-in tax management and localized checkout experiences. A solid choice for SaaS companies and digital product sellers needing global reach.

Real-time payments

A payment systems software company powering infrastructure for banks and payment processors globally. ACI Worldwide enables real-time payment networks including FedNow, Zelle, and UK Faster Payments, processing over 671 billion transactions annually. Built for financial institutions requiring enterprise-grade payment switching and fraud management.

Platforms & Marketplaces

A global payment platform designed for enterprise businesses and high-growth companies. Adyen provides end-to-end payment processing with unified commerce capabilities, supporting 250+ payment methods across online, mobile, and in-store channels. Known for serving large marketplaces and platforms that need a single integration for global operations.

BNPL Pioneer

One of the pioneers of buy now, pay later, now owned by Block (Square) and integrated with Cash App. Afterpay offers interest-free pay-in-4 installments and longer-term payment plans, available at thousands of retailers in the US, UK, Australia, and New Zealand. Popular for its consumer-friendly approach with no interest and no credit score impact.

E-commerce checkout

Amazon's online payment service letting customers pay on external sites using their Amazon account credentials. Amazon Pay offers fast checkout leveraging the trust and convenience of Amazon, helping merchants increase conversion rates.

Mobile & contactless payments

Apple's mobile payment and digital wallet built into iPhone, Apple Watch, Mac, and iPad. Apple Pay enables contactless payments with Face ID/Touch ID security and is widely accepted at retailers globally, with strong privacy protections.

Advanced Fraud Detection

One of the longest-running US payment gateways, founded in 1996 and now owned by Visa. Authorize.Net offers reliable card processing with an Advanced Fraud Detection Suite and strong recurring billing capabilities. A trusted choice for established US businesses, especially those needing virtual terminal and phone order support.

Bitcoin Payments

One of the oldest and most established cryptocurrency payment processors, operating since 2011. BitPay enables merchants to accept over 100 cryptocurrencies including Bitcoin, Ethereum, and various Layer 2 networks, with the option to settle in crypto or fiat. Also offers consumer products including a self-custody wallet and crypto debit card.

Mobile Apps

A PayPal-owned payment platform known for its developer-friendly SDKs and strong mobile integration. Braintree provides seamless access to PayPal, Venmo, and card payments through a single integration, making it popular among mobile apps and marketplaces. Offers a transparent Drop-in UI that simplifies checkout implementation.

Self-hosted crypto

A self-hosted, open-source Bitcoin payment processor offering complete financial sovereignty with zero transaction fees. BTCPay Server supports Lightning Network for instant payments and integrates with major e-commerce platforms. Perfect for businesses wanting full control over their Bitcoin payment infrastructure without third-party dependencies.

Adult Content

A veteran high-risk payment processor established in 1998, specializing in adult entertainment, subscription-based content, and live streaming businesses. CCBill handles age verification, subscription billing automation, and compliance for industries that most processors won't touch. The go-to provider for adult content creators and platforms needing reliable payment acceptance.

Crypto E-commerce

A cryptocurrency payment gateway from Coinbase that lets merchants accept Bitcoin, Ethereum, stablecoins, and other digital assets. With self-custodial settlement, merchants receive funds directly to their own wallets without intermediary custody. A straightforward option for businesses wanting to add crypto payment acceptance with minimal complexity.

B2B Cross-Border

A Visa-owned B2B cross-border payment platform serving banks, fintechs, and FX brokers. Currencycloud provides APIs for collecting, converting, and paying out in 36 currencies across 180+ countries with fast settlement times. Built for financial institutions wanting to embed cross-border payment capabilities into their products.

Enterprise Security

A Visa-owned enterprise payment management platform with industry-leading fraud detection capabilities. CyberSource serves large enterprises across 190+ countries with sophisticated decision management tools and omnichannel payment processing. Best suited for large organizations with complex fraud prevention needs.

Australian e-commerce

Australia's established payment gateway offering card processing with no setup fees or lock-in contracts. Eway provides free fraud protection and fast settlements, serving Australian and New Zealand e-commerce businesses with straightforward integration options.

Banking & fintech

A major global financial technology company that owns Worldpay, serving banks, merchants, and capital markets with payment processing and banking technology. FIS provides enterprise-grade infrastructure powering a significant portion of global payment volume through its vast network of financial institution clients.

Recurring payments

A specialist in recurring direct debit payments across 30+ countries, supporting SEPA, BACS, ACH, and other local bank debit schemes. GoCardless makes it easy to collect subscription and invoice payments directly from bank accounts with lower fees than card payments. Ideal for SaaS, membership, and recurring billing businesses.

Most Cryptocurrencies

Accept 150+ cryptocurrencies. Non-custodial, auto coin conversion, low fees, global payments.

Global e-commerce

One of the world's most recognized digital payment platforms, operating in over 200 markets with support for 130+ currencies. PayPal offers buyer protection, a trusted checkout experience, and multiple payment options including pay-later services through Venmo. A go-to choice for e-commerce businesses seeking broad consumer recognition and trust.

NZ e-commerce

A New Zealand online payment specialist owned by Trade Me, serving as the official gateway provider for major NZ banks. Paystation offers e-commerce payments, daily settlements, and NZ-based support with integrations for Shopify, Xero, and WooCommerce.

Australian startups

A complete payments solution for small businesses and platforms in Australia and New Zealand. Pin Payments combines gateway, processor, and acquiring in one account with no lock-in contracts or monthly fees, ideal for startups and SMBs.

NZ bank transfers

A New Zealand direct online banking payment method enabling customers to pay securely via their bank account. POLi offers low transaction fees and works with all major NZ banks, trusted by leading New Zealand brands and retailers.

Interest-Free Installments

A North American buy now, pay later platform known for its interest-free pay-in-4 model over six weeks. Sezzle operates as a Public Benefit Corporation and offers a virtual card that works anywhere Visa is accepted. Popular with younger consumers and merchants looking for an accessible BNPL option with high approval rates.

Retail & Restaurants

An all-in-one commerce platform that combines payment processing with point-of-sale hardware and business management tools. Square is particularly popular with retail stores, restaurants, and service businesses that need integrated solutions for payments, inventory, and staff management. Their hardware ecosystem and free baseline tier make it accessible for small businesses to get started quickly.

SaaS & Developers

A developer-first payment platform known for its exceptional API design and comprehensive documentation. Stripe offers a full suite of payment infrastructure tools supporting over 100 payment methods across 135+ currencies. Ideal for SaaS companies, startups, and any business that values a modern developer experience.

Chinese customers

China's national card network and the world's largest card issuer by volume, accepted in 183 countries worldwide. UnionPay is essential for any merchant wanting to accept payments from Chinese consumers, both domestically and as tourists abroad. Supports mobile payments, QR codes, and contactless transactions.

Global enterprise

A global leader in payment terminal hardware and POS solutions serving enterprises in 150+ countries. Verifone provides secure payment devices, software platforms, and merchant services for in-person commerce. Known for their hardware reliability and presence in retail, hospitality, and transportation sectors.

NZ merchants

A New Zealand-based payment gateway offering PCI-compliant omni-channel payment solutions. Windcave serves retail, online, call centre, and unattended environments with global acquiring capabilities and data insights for merchants.

International Transfers

A transparent international money transfer service known for offering the real mid-market exchange rate with low, upfront fees. Wise provides multi-currency accounts with local bank details in 50+ currencies, making it ideal for freelancers, remote workers, and businesses that need to send or receive payments across borders frequently.

Business International Transfers

The business version of Wise (formerly TransferWise), offering multi-currency accounts and international transfers at the real mid-market exchange rate. Wise Business provides local account details in major currencies, batch payments, and integrations with accounting software. Ideal for businesses that frequently send or receive international payments and want transparent, low-cost FX.

Global Enterprise

A global enterprise payment processor owned by FIS, serving large multinational businesses across virtually every industry. Worldpay supports 300+ payment types in 120+ currencies with both online and in-person payment capabilities. Well-suited for established enterprises that need a trusted, large-scale payment partner with global reach.