Online Payments at Mates Rates.

We love seeing Aussie businesses succeed. Keep more of your revenue with our industry leading low rates, or as we call them, mates rates on payments. Just 1.20% + 30c processing fee on domestic cards for any Aussie business.*

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1.20% + 30c transaction fee on Australia domestic cards

Powering Australia's fastest growing businesses

Powerful features to boost your conversions

Adaptive success rate optimisation

Airwallex's ML-powered optimisation engine includes smart MCC assignment, automatic retries, ISO message optimisations, and more to improve acceptance rates.

Smart 3DS optimisation

Maximise global acceptance while staying compliant with local regulations. Our 3DS engine automatically picks the best strategy based on transaction risk, applicable regulatory exemptions, and policies.

Adjustable risk thresholds

Customise your risk appetite based on your business model, set specific rules for 3D Secure, build alert lists, and have the option to do manual reviews when needed.

Payment Acceptance

Accept payments domestically and abroad seamlessly

Accept payments in 160+ payment methods and 180+ currencies

Boost checkout rates by pricing in local currency and letting customers pay with their preferred payment methods

Eliminate costly FX conversion fees with like-for-like settlement

Collect and settle funds in the same currency without the hassle of setting up multiple entities or paying hidden conversion fees.

Reduce chargebacks with built-in fraud prevention

Automatically identify suspicious transactions and reduce chargeback with built-in fraud detection and dispute management.

Additional features to drive performance

Network tokenisation

Airwallex replaces PANs with network-issued tokens to improve card acceptance rates and reduce processing costs.

Saved payment details

Drive repeat sales by initiating payments based on your customers' saved payment details

Direct network integrations

Benefit from our full-stack payments platform that directly integrates with all major card scheme networks.

Flexible integration methods

Shopping platform extensions

Hosted by Airwallex

Shopping platform extensions

Simple ‘plug and play’ payments acceptance solution for WooCommerce and Magento eCommerce websites.

Hosted payment page

Seamless ‘one-click’ customer experience to an Airwallex-hosted checkout page with minimal coding required


Quickly build your checkout page with little tech works, Airwallex will host entire payment form for you


Have full control of your checkout experience by building directly with our Online Payments API.

Simple ‘plug and play’ payments acceptance solution for WooCommerce and Magento eCommerce websites.

We're offering mates rates to Aussie businesses

Keep more of each and every sale in your pocket.

Domestic Cards and Wallets

Visa, Mastercard, American Express, Apple Pay and Google Pay

1.20% + A$0.30

For full fee schedule, view details.
View details

International Cards and Wallets

Visa, Mastercard, UnionPay, American Express, Apple Pay and Google Pay

2.90% + A$0.30¹

For full fee schedule, view details.
View details

Local Payment Methods

WeChat, AliPay and 60+ other methods

A$0.30 + Payment Method Fee

For a full list of payment methods, view details.
View details

¹ Plus 1% foreign currency settlement fee or 2% FX conversion fee. Foreign currencies including NZD, USD, EUR, GBP, HKD, SGD, CAD, CHF, JPY

Airwallex vs other payment platforms

Get access to our mates rates, no matter the transaction amount. But don't take our word for it, check out how our rates stack up, below.

¹+ 1% foreign currency settlement fee or 2% FX conversion fee

²+ 1% foreign currency settlement fee or 1.7% FX conversion fee

You can choose to settle your non-AUD transaction in the same non-AUD currency via our foreign currency settlement capabilities, or convert a transaction currency into the settlement currency via our FX engine.

The above information is factual information only based on the relevant company's published pricing information as of July 7, 2023. It is not intended to imply any recommendation or opinion about a financial product. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser.

Growth, not Greed

How can we offer such great rates?

Simple, we’re not greedy. We know that better rates help Aussie businesses succeed, and when they succeed, so do we.

The cost of doing online payments has been getting cheaper for years, but other platforms still charge you as if it was 2009 and we’re all still on our BlackBerry.

We’re a modern payments platform built from the ground up for modern businesses of any size - which means we don’t have all the baggage of banks or other platforms.

This means whether you're established or just getting started, you’ll always enjoy the best rates and grow your business both in Australia and globally.

For more information around how we're doing this, click through below to read our blog.

Frequently Asked Questions

What is an online payment platform?

An online payment platform is a browser-based payment gateway used to send, hold and receive money.

Airwallex’s online payment APIs let merchants accept payments from customers across the globe, collect and hold funds in their customers’ own currencies, and pay out to overseas suppliers and staff without unnecessary conversion fees. In other words, businesses can manage an entire transaction lifecycle globally, and everyone receives their payments on time, and in full.

How do online payment processors work?

Online payment processors manage the card transaction process by transmitting your customer’s card payment information to your account and your customer’s bank. It serves as the middleman between the issuing bank and the merchant. 

Firstly, your customer selects an item to purchase and completes the checkout process. Once their card information has been collected, the card network requests authorisation to release the funds from the issuing bank, which are then collected into your business’ bank account or online business account.

How to accept payment online

Airwallex has made it easy to accept payments online. Once you set up Online Payments on your Airwallex account, your customers can pay you directly into a multi-currency digital wallet. These funds can be used to make direct payouts to overseas suppliers without any forced currency conversions. Airwallex lets you build the best foreign exchange rate into your pricing and transactions. More money for you, and your customers.

What is an online payment link?

An online payment link is a simple, easy-to-share link you can provide to customers to get your invoices paid faster. 

Your customers can choose from multiple payment methods, including credit and debit cards.

How do I create a payment link online?

With Airwallex, you can generate one-time and reusable links or QR codes that support local and international payments. 

Your customers can choose from 130+ currencies to pay in, but the funds will always settle in your home currency.

How do I know if my payment link is secure?

Airwallex offers a fully-integrated 3D Secure solution that makes online payment links safer by recognising and verifying cardholders against the issuing bank.

With 3D Secure, you can enjoy a frictionless payment experience, while reducing the risk of transaction disputes and processing fraudulent payments.

Switch today and get our leading mates rates on payments.

*Available to existing and new customers of Airwallex Pty Ltd ABN 37 609 653 312. See full eligibility criteria and terms.

This information doesn’t take into account your objectives, financial situation, or needs. It is important for you to consider these matters and read our Product Disclosure Statement (PDS) and Financial Services Guide (FSG) before you make a decision about our product. You can obtain a copy of our PDS at our website at or by calling 13 32 99 (Melbourne, Australia) or +61 3 9068 5517 (International).