Cards
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 and Diners Club now. This gives merchants the opportunity to reach a huge number of customers who own a Visa, Mastercard, American Express, JCB, UnionPay, Discover or Diners Club 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 | Amercian Express | JCB | UnionPay | Discover | Diners Club |
|---|---|---|---|---|---|---|---|
| Payment type | Card | Card | Card | Card | Card | Card | Card |
| Available for businesses registered in | AU, CH, EU, HK, JP (Beta), SG, NZ, UK, US | AU, CH, EU, HK, JP (Beta), SG, NZ, UK, US | AU, CH, EU, HK, SG, NZ (Beta), UK, US | AU (Beta), HK, JP (Beta), SG, US | AU, HK, SG, UK, US | AU, EU, HK, SG, UK, US | AU, EU, HK, SG, UK, US |
| Activation time for onboarding | Instant | Instant | Instant | Instant | Instant | Instant | Instant |
| Shopper regions (typically used by payers from) | Global | Global | Global | Global | Global | US | Global |
| Minimum transaction amount | 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 |
| 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 beta phase for a given card scheme, please reach out to your Airwallex account manager or [email protected] if you'd like to join the beta.
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 |
| 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 |
| 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 |
| NZ | Visa, MasterCard: All currencies AMEX: AUD, CAD, CHF, EUR, GBP, HKD, JPY, NZD, SGD, USD |
| JP (Beta) | Visa, MasterCard: All currencies JCB: JPY |
| EU | 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 |
| 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 |
| 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
Settlement schedule and settlement currencies will depend on where your business is registered and the card scheme.
| 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 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 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 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) | 3 business days after payment capture 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. |
| EU | 3 business days after payment capture Supported like-for-like settlement currencies: - Visa, Mastercard, AMEX, Discover, Diners Club: AUD, CAD, CHF, DKK, EUR, GBP, HKD, NOK, NZD, PLN, SEK, 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. |
| UK | 3 business days after payment capture Supported like-for-like settlement currencies: - Visa, Mastercard, 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 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 days 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 |