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.*
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.
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
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
International Cards and Wallets
Visa, Mastercard, UnionPay, American Express, Apple Pay and Google Pay
2.90% + A$0.30¹
Local Payment Methods
WeChat, AliPay and 60+ other methods
A$0.30 + Payment Method Fee
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 https://www.airwallex.com/au/terms/product-disclosure-statement or by calling 13 32 99 (Melbourne, Australia) or +61 3 9068 5517 (International).