Accept card payments from customers around the world
Airwallex allows merchants to accept payments from the major card schemes such as Visa, Mastercard, American Express, JCB, UnionPay, Discover, Diners Club and Cartes Bancaires now. This gives merchants the opportunity to reach a huge number of customers who own a Visa, Mastercard, American Express, JCB, UnionPay, Discover, Diners Club or Cartes Bancaires card. In addition to accepting payments, Airwallex offers a full range of merchant services such as authentication, risk & fraud prevention, acceptance rate optimisation, top-class customer experience and centralized place to enjoy all the other Airwallex products.
Payment method properties
| Features | Visa | MasterCard | American Express | JCB | UnionPay | Discover | Diners Club | Cartes Bancaires |
|---|---|---|---|---|---|---|---|---|
| Payment type | Card | Card | Card | Card | Card | Card | Card | Card |
| Available for businesses registered in | AU, CA (Beta), CH, EEA, HK, IL (Beta), JP (Beta), MX (Beta), MY, SG, NZ, UK, US | AU, CA (Beta), CH, EEA, HK, IL (Beta), JP (Beta), MX (Beta), MY, SG, NZ, UK, US | AU, CH, EEA, HK, SG, NZ, UK, US | AU (Beta), HK, JP (Beta), SG, US | AU, HK, SG, UK, US | AU, EEA, HK, MX (Beta), SG, UK, US | AU, EEA, HK, MX (Beta), SG, UK, US | AU (Beta), CA (Beta), CH (Beta), EEA (Beta), HK (Beta), MY (Beta), SG (Beta), UK (Beta) |
| Activation time for onboarding | Instant | Instant | Instant | Instant | Instant | Instant | Instant | 1 day |
| Shopper regions (typically used by payers from) | Global | Global | Global | Global | Global | US | Global | FR |
| Minimum transaction amount | N/a | N/a | N/a | N/a | N/a | N/a | N/a | N/a |
| Maximum transaction amount | N/a | N/a | N/a | N/a | N/a | N/a | N/a | N/a |
| Recurring payments | (credit cards only) | |||||||
| Refunds | ||||||||
| Partial Refunds | ||||||||
| Disputes | ||||||||
| Placing a hold (delayed/manual capture) |
If your business is registered in a region that is currently in Early access for a given card scheme, contact your Airwallex Account Manager or [email protected] to opt in.
Descriptor (what the payer will see in their transaction history)
The payer will see your registered business name as the descriptor. If you would like to change the descriptor on a payment-by-payment basis (also called dynamic descriptor), please reach out to your account manager or support.
Please note that for the descriptor of UPI transactions, only numbers, English alphabets, special characters, spaces are allowed (25 digits max.).
Processing currencies
Supported processing currencies can differ based on where your business is registered and the card scheme.
| Business registered in | Processing currencies |
|---|---|
| AU | Visa, MasterCard, Unionpay: All currencies AMEX: AED, AUD, CAD, CHF, CNY, CZK, DKK, EGP, EUR, GBP, HKD, HUF, IDR, ILS, INR, JPY, KRW, KWD, MOP, MXN, MYR, NOK, NZD, PHP, PLN, QAR, RON, SAR, SEK, SGD, THB, TRY, TWD, UAH, USD, VND, ZAR JCB: AED, AUD, CAD, CHF, CNY, CZK, DKK, EGP, EUR, GBP, HKD, HUF, IDR, ILS, INR, JPY, KRW, KWD, MOP, MXN, MYR, NOK, NZD, PHP, PLN, QAR, RON, SAR, SEK, SGD, THB, TRY, TWD, UAH, USD, VND, ZAR Discover, Diners Club: AED, AUD, BGN, BHD, CAD, CHF, CNY, CZK, DKK, EUR, GBP, HKD, HUF, ILS, INR, JPY, KRW, KWD, MAD, NOK, NZD, OMR, PHP, PLN, QAR, RON, SAR, SEK, SGD, THB, TRY, USD, ZAR Cartes Bancaires: EUR |
| CA (Beta) | Visa, MasterCard: All currencies Cartes Bancaires: EUR |
| SG | Visa, MasterCard, Unionpay, JCB: All currencies AMEX: AED, AUD, CAD, CHF, CNY, CZK, DKK, EGP, EUR, GBP, HKD, HUF, IDR, ILS, INR, JPY, KRW, KWD, MOP, MXN, MYR, NOK, NZD, PHP, PLN, QAR, RON, SAR, SEK, SGD, THB, TRY, TWD, UAH, USD, VND, ZAR Discover, Diners Club: AED, AUD, BGN, BHD, CAD, CHF, CNY, CZK, DKK, EUR, GBP, HKD, HUF, ILS, INR, JPY, KRW, KWD, MAD, NOK, NZD, OMR, PHP, PLN, QAR, RON, SAR, SEK, SGD, THB, TRY, USD, ZAR Cartes Bancaires: EUR |
| HK | Visa, MasterCard, Unionpay, JCB: All currencies AMEX: AED, AUD, CAD, CHF, CNY, CZK, DKK, EGP, EUR, GBP, HKD, HUF, IDR, ILS, INR, JPY, KRW, KWD, MOP, MXN, MYR, NOK, NZD, PHP, PLN, QAR, RON, SAR, SEK, SGD, THB, TRY, TWD, UAH, USD, VND, ZAR Discover, Diners Club: AED, AUD, BGN, BHD, CAD, CHF, CNY, CZK, DKK, EUR, GBP, HKD, HUF, ILS, INR, JPY, KRW, KWD, MAD, NOK, NZD, OMR, PHP, PLN, QAR, RON, SAR, SEK, SGD, THB, TRY, USD, ZAR Cartes Bancaires: EUR |
| NZ | Visa, MasterCard: All currencies AMEX: AUD, CAD, CHF, EUR, GBP, HKD, JPY, NZD, SGD, USD |
| JP (Beta) | Visa, MasterCard: All currencies JCB: JPY |
| MX (Beta) | Visa, MasterCard, Discover, Diners Club: MXN |
| MY | Visa, MasterCard: All currencies Cartes Bancaires: EUR |
| EEA and CH | Visa and MasterCard: All currencies AMEX: AED, AUD, CAD, CHF, CNY, DKK, EGP, EUR, GBP, HKD, HUF, ILS, INR, JPY, KRW, MOP, MXN, MYR, NOK, NZD, PHP, PLN, QAR, SAR, SEK, SGD, THB, TWD, USD, VND, ZAR Discover, Diners Club: AED, AUD, BGN, BHD, CAD, CHF, CNY, CZK, DKK, EUR, GBP, HKD, HUF, ILS, INR, JPY, KRW, KWD, MAD, NOK, NZD, OMR, PHP, PLN, QAR, RON, SAR, SEK, SGD, THB, TRY, USD, ZAR Cartes Bancaires: EUR |
| UK | Visa, MasterCard, Unionpay: All currencies AMEX: AED, AUD, CAD, CHF, CNY, DKK, EGP, EUR, GBP, HKD, HUF, ILS, INR, JPY, KRW, MOP, MXN, MYR, NOK, NZD, PHP, PLN, QAR, SAR, SEK, SGD, THB, TWD, USD, VND, ZAR Discover, Diners Club: AED, AUD, BGN, BHD, CAD, CHF, CNY, CZK, DKK, EUR, GBP, HKD, HUF, ILS, INR, JPY, KRW, KWD, MAD, NOK, NZD, OMR, PHP, PLN, QAR, RON, SAR, SEK, SGD, THB, TRY, USD, ZAR Cartes Bancaires: EUR |
| IL (Beta) | Visa, MasterCard: All currencies |
| US | Visa and MasterCard: USD, EUR, GBP, AUD, SGD, JPY, CHF, NOK, DKK, CAD, NZD, HKD, KRW, PHP, MYR, TWD, VND, EGP, SAR, THB, MXN, TRY, INR, BRL, CNY, PKR, PLN, SEK, NGN, AED, IDR, BDT, ILS, ISK, MAD, ZAR, CZK, HUF, RON, CLP, QAR, COP, RUB, MWK, PEN, BGN, UAH, ARS, MOP, HRK, KZT, ALL, CRC, XOF, KES, UYU, LKR, BOB, PAB, GTQ, DOP, MMK, RSD, BZD, DZD, SHP, HNL, GEL, BAM, MKD, JMD, AWG, BBD, TTD, PYG, XAF AMEX, JCB, UPI, Discover, Diners Club: USD |
Settlement schedule and currencies
Your settlement schedule and currencies depend on your business location and the underlying card scheme, but your final terms are determined by the results of your onboarding review.
| Business registered in | Settlement schedule/ currencies |
|---|---|
| AU | 2 business days after payment capture Supported like-for-like settlement currencies: - Visa, Mastercard, Discover, Diners Club: USD, HKD, EUR, GBP, AUD, SGD, JPY, CAD, CHF, NZD, THB - AMEX: USD, HKD, EUR, GBP, AUD, SGD, JPY, CAD, CHF, NZD - Unionpay: AUD, CAD, CHF, CNY, EUR, HKD, JPY, GBP, SGD, NZD, USD - JCB: USD, SGD, AUD, EUR, GBP, JPY, HKD - Cartes Bancaires: EUR Payments in other currencies will be settled in your default settlement currency. If your account does not support the like-for-like settlement currency, the payment will also be settled in your default settlement currency. |
| CA (Beta) | 3 business days after payment capture Supported like-for-like settlement currencies: - Visa, Mastercard: AUD, CAD, CHF, DKK, EUR, GBP, HKD, JPY, NOK, NZD, SEK, SGD, USD - Cartes Bancaires: EUR Payments in other currencies will be settled in your default settlement currency. If your account does not support the like-for-like settlement currency, the payment will also be settled in your default settlement currency. |
| SG | 3 business days after payment capture Supported like-for-like settlement currencies: - Visa, Mastercard, Discover, Diners Club: AUD, CAD, CHF, EUR, GBP, HKD, JPY, NZD, SGD, THB, USD - AMEX: AUD, CAD, CHF, EUR, GBP, HKD, JPY, NZD, SGD, USD - Unionpay: AUD, CNY, EUR, GBP, HKD, JPY, NZD, SGD, USD - JCB: AUD, EUR, GBP, HKD, JPY, SGD, USD - Cartes Bancaires: EUR Payments in other currencies will be settled in your default settlement currency. If your account does not support the like-for-like settlement currency, the payment will also be settled in your default settlement currency. |
| HK | 3 business days after payment capture Supported like-for-like settlement currencies: - Visa, Mastercard, Discover, Diners Club: AUD, CAD, CHF, EUR, GBP, HKD, JPY, NZD, SGD, THB, USD - AMEX: AUD, CAD, CHF, EUR, GBP, HKD, JPY, NZD, SGD, USD - Unionpay: USD, AUD, EUR, GBP, HKD, JPY, SGD, CAD, CHF, NZD, CNY - JCB: AUD, CAD, EUR, GBP, HKD, JPY, NZD, SGD, USD - Cartes Bancaires: EUR Payments in other currencies will be settled in your default settlement currency. If your account does not support the like-for-like settlement currency, the payment will also be settled in your default settlement currency. |
| NZ | 2 business days after payment capture Supported like-for-like settlement currencies: - Visa, Mastercard: USD, HKD, EUR, GBP, AUD, SGD, JPY, CAD, CHF, NZD, THB - AMEX: AUD, CAD, CHF, EUR, GBP, HKD, JPY, NZD, SGD, USD Payments in other currencies will be settled in your default settlement currency. If your account does not support the like-for-like settlement currency, the payment will also be settled in your default settlement currency. |
| JP (Beta) | Visa, Mastercard: 3 business days after payment capture JCB: 15-30 calendar days after payment capture JCB's settlement occurs twice a month, payments captured from the first to the fifteenth date of the month will be settled on the last day of month; payments captured from the sixteenth date to the month end will be settled on the fifteenth date of the next month. Supported like-for-like settlement currencies: - Visa: USD, HKD, EUR, GBP, AUD, SGD, JPY, CAD, CHF, NZD, THB - Mastercard: USD, HKD, EUR, GBP, AUD, SGD, JPY, CAD, CHF, NZD - JCB: JPY Payments in other currencies will be settled in your default settlement currency. If your account does not support the like-for-like settlement currency, the payment will also be settled in your default settlement currency. |
| MX (Beta) | 1 business day after payment capture Supported like-for-like settlement currencies: - Visa, Mastercard, Discover, Diners Club: MXN Payments in other currencies will be settled in your default settlement currency. If your account does not support the like-for-like settlement currency, the payment will also be settled in your default settlement currency. |
| MY | 3 business days after payment capture Supported like-for-like settlement currencies: - Visa: MYR, USD, HKD, EUR, GBP, AUD, SGD, JPY, CAD, CHF, NZD, THB - Mastercard: MYR, USD, HKD, EUR, GBP, AUD, SGD, JPY, CAD, CHF, NZD - Cartes Bancaires: EUR Payments in other currencies will be settled in your default settlement currency. If your account does not support the like-for-like settlement currency, the payment will also be settled in your default settlement currency. |
| EEA and CH | 3 business days after payment capture Supported like-for-like settlement currencies: - Visa, Mastercard: AED, AUD, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HUF, JPY, NOK, NZD, PLN, RON, SEK, SGD, TRY, USD, ZAR - AMEX, Discover, Diners Club: AUD, CAD, CHF, DKK, EUR, GBP, HKD, NOK, NZD, PLN, SEK, USD - Cartes Bancaires: EUR Payments in other currencies will be settled in your default settlement currency. If your account does not support the like-for-like settlement currency, the payment will also be settled in your default settlement currency. |
| UK | 3 business days after payment capture Supported like-for-like settlement currencies: - Visa, Mastercard: AED, AUD, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HUF, JPY, NOK, NZD, PLN, RON, SEK, SGD, TRY, USD, ZAR - AMEX, Discover, Diners Club: AUD, CAD, CHF, DKK, EUR, GBP, HKD, NOK, NZD, PLN, SEK, USD - Unionpay: AUD, CHF, DKK, GBP, HKD, NOK, SEK, USD, EUR, CNY - Cartes Bancaires: EUR Payments in other currencies will be settled in your default settlement currency. If your account does not support the like-for-like settlement currency, the payment will also be settled in your default settlement currency. |
| IL (Beta) | 3 business days after payment capture Supported like-for-like settlement currencies: - Visa, Mastercard: AED, AUD, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HUF, ILS, JPY, NOK, NZD, PLN, RON, SEK, SGD, TRY, USD Payments in other currencies will be settled in your default settlement currency. If your account does not support the like-for-like settlement currency, the payment will also be settled in your default settlement currency. |
| US | 1 business day after payment capture Supported like-for-like settlement currencies: - Visa, Mastercard: USD, EUR, GBP, SGD, AUD, CAD, HKD, NOK, SEK, CHF, NZD, JPY, DKK, MXN - AMEX, Unionpay, JCB, Discover, Diners Club: USD Payments in other currencies will be settled in your default settlement currency. If your account does not support the like-for-like settlement currency, the payment will also be settled in your default settlement currency. |
*Except sanctioned countries
Choose the integration method that best suits your needs
Airwallex has built a range of integration methods that allow you to choose the one best suited for your business. Get started with minimal integration effort or customize the payment flow to your needs.
| Online payments via your own website/app | Online payments via ecommerce plugins | Payment links & Invoice Integrations |
|---|---|---|
| Hosted Payment Page Drop-in Element Embedded Elements Mobile SDK Native API (please note that PCI-DSS AOC is required) Subscription APIs | Shopify WooCommerce SHOPLINE Shoplazza Magento | Payment Links Xero Invoice |
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