Payments
The All-in-one global payment acceptance solution for global businesses
Collect online payments in multiple currencies and local payment methods, boost global acceptance rates, and save on FX with Airwallex Payments.
Why global businesses use Airwallex Payments Solutions
Businesses of all shapes and sizes - from eCommerce stores and subscription businesses to online marketplaces and platforms - use Airwallex Payments to reach new global customers, eliminate unnecessary currency fees, and protect against fraud.
Accept payments via 160+ local payment methods across 180+ countries
Boost checkout rates by pricing in local currency and letting customers pay with their preferred payment methods.
Increase conversion and acceptance rates with built-in payment optimizations
Benefit from Airwallex’s ML-powered optimisation engine, 3DS logic, and local acquiring to improve acceptance rates.
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
Identify suspicious transactions and reduce chargebacks with an AI-powered fraud engine.
Flexible Integration Methods with Airwallex Payments
From no-code to fully customizable payment integration solutions
Checkout
Payment Links
Payment Plugins
Payments API
Checkout
Payment Links
Payment Plugins
Payments API
Global Payments
Lower costs and multi-currency support with our Payment Solutions
Automatic currency conversion
Boost global sales by showing prices in your customers' local currency. Remove checkout friction and instantly increase conversion rates by automating local pricing and payment methods.
Like-for-like settlement
Protect your margins by minimising FX fees on cross-border online payments. Settle funds in the same currency your customers use and keep 100% of your revenue without losing a percentage to forced currency conversions.
Multi-currency transfers
Skip costly international wires. Pay suppliers directly using funds settled into your multi-currency wallet using Airwallex's global payout network or corporate cards
“We used to use Stripe integrated with Xero. We would send out our invoices to a US-based book store, for example, and they would pay us in USD, which our bank would then automatically convert to AUD. But in many instances, we would rather keep the funds in USD so that we could then pay US-based vendors. The unnecessary currency conversions at high exchange rates meant we were getting ripped off at every stage. Then we switched to Airwallex for payments acceptance, transfers, and global accounts."
Jon Tse
Co-Founder, Karst
"One thing was clear: We needed a simple-to-use, truly global financial solution that allowed us to seamlessly accept money from customers in multiple markets convert it to other currencies only when needed, and pay vendors in different countries. In other words, we needed to trade globally - not just Australia.”
Richard Li
Co-founder & CEO, July
“Let’s say we continue to expand in Korea,” Daven says. “Or perhaps further markets in Latin America or Europe—where we already have a very strong presence, we can make things as easy and convenient as possible by conducting smooth local transactions and prioritizing their preferred currencies and payment methods. We’re letting our clients know that we hear and support them—and that’s critical to our business.”
Daven Johnson
Founder & CEO, Gimme Swag
Global Authorisation
Boost revenue with higher acceptance rates across all your markets
Adaptive success rate optimisation
Airwallex’s ML-powered optimisation engine includes smart MCC assignment, automatic retries, ISO message optimisations, 3DS logic, and more to improve payment acceptance rates.
Saved payment details
Drive repeat sales by initiating payments based on your customers’ saved payment details.
Network tokenisation
Replace payment details with network-issued tokens to improve card acceptance rates and reduce processing costs.
Local acquiring
Set up payment processing in over 35 markets to avoid cross-border fees and increase acceptance rates from local cards.
Optimize 360
AI-powered payment processing and optimisation
Optimize 360 applies real-time intelligence across your payment flows to reduce failures, protect against fraud, and lower costs. Built on Airwallex’s global acquiring network, it helps you drive stronger revenue outcomes across every market you serve.
Maximise payment approvals
Lift authorisation rates with adaptive routing, intelligent retries, precise payment message formatting, and the right payment method mix for each market. Dynamic SCA optimisation reduces unnecessary friction, helping more customers complete their purchase on the first attempt
Reduce fraud and revenue losses
Protect revenue with AI-powered fraud detection, real-time risk scoring, and smart 3DS decisions. Reduce false positives while automatically blocking high-risk activity, lowering chargebacks and the operational effort required to manage fraud
Improve payment reliability
Reduce avoidable declines through network tokenisation, card account updater, and anomaly alerts. By keeping card credentials current and minimising soft declines, payments flow more consistently across issuers and regions
Fraud Prevention
Safeguard your global revenue
Airwallex's fraud engine is fully integrated into our Payments platform, and helps you stop fraud before it occurs. It leverages our own models combined with external data sources to discern fraudulent transactions from legitimate ones.
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.
AI-powered fraud engine
Our fraud engine uses AI trained on millions of transactions to detect and prevent fraud. This leads to higher payment success rates and lower fraud rates, protecting your business’s revenue.
Highest security standards
Airwallex meets the highest international security standards including PCI DSS, SOC1, and SOC2 compliance, in addition to our local regulatory requirements.
Maximize global revenue with scalable billing solutions
Invoicing
Subscription Management
Usage-based Billing
Payments for Platforms
Embed payments into your platform or marketplace
Accelerate time to market, offer competitive pricing for global transactions, and maintain a fully branded experience. Airwallex provides a single, white‑label payment processing solution that streamlines onboarding and compliance, manages fund flows without requiring PayFac registration, and instantly transfers funds between connected accounts. Experience an end-to-end solution covering both global pay-ins and payouts.
For Developers
Designed for developers for seamless payment integration
Best-in-class developer tools
Integrate in a fraction of the time with our high-quality developer capabilities, libraries, and APIs.
Complex use cases made easy
Our comprehensive APIs and proprietary financial infrastructure can be tailored to suit your most complex requirements, all supported by our world-class technical teams.
Accelerated integrations
We’ve partnered with the likes of Shopify, Xero, and NetSuite to engineer prebuilt integrations to help you get started quickly.
Grow your revenue by accepting a wide array of popular global and local payment methods
Global Payment Methods
Accept local payments from a wide range of popular payment methods. Availability dependent on merchant entity location.
Visa
One of the largest, most used global card networks.
Mastercard
One of the largest, most used global card networks.
American Express
A popular and widely used global credit card.
Apple Pay
The digital wallet of choice for many Apple device users.
Google Pay
The digital wallet from Google, popular with Android users.
Klarna
A popular Buy Now Pay Later payment method available in 20+ countries.
UnionPay
A popular and widely used global card essential for Chinese payers.
Skrill
A global e-wallet supporting more than 40 currencies.
Accept local payments from a wide range of popular payment methods. Availability dependent on merchant entity location.
Visa
One of the largest, most used global card networks.
Mastercard
One of the largest, most used global card networks.
American Express
A popular and widely used global credit card.
Apple Pay
The digital wallet of choice for many Apple device users.
Google Pay
The digital wallet from Google, popular with Android users.
Global Payments Resources
Discover the trends fueling cross-border eCommerce success
Airwallex surveyed over 3,000 consumers and interviewed leading merchants across Australia, China, Hong Kong, Singapore, the UK, and the US with the support of consulting firm Edgar, Dunn & Company in January 2024 to learn how businesses can drive global eCommerce growth.
Frequently asked questions: Airwallex Global Payments
What is Airwallex's "like-for-like settlement" feature?
Like-for-like settlement enables you to settle funds from your sales into your Airwallex Wallet in the same currency you charge your customers, avoiding unnecessary FX conversions. That means you are not required to convert currencies received from your customers back to your home currency. For example, if you are a New Zealand-based merchant with customers in the UK, you can price in GBP, receive GBP, and transfer funds in GBP with Airwallex. This is especially useful if you have suppliers or employees based in the UK that need to be paid, as you don't have to convert the GBP to NZD and back to GBP, saving you fees on FX.
What payment methods does Airwallex offer in New Zealand?
Airwallex offers a variety of global and local payment methods so you can enable the right shopping experience for your customers. In addition to credit cards and debit cards, Airwallex offers 160+ payment methods across digital and mobile wallets, BNPL, bank transfers, and more. You explore payment methods offered in New Zealand here.
Is Airwallex a payment gateway?
Yes, Airwallex acts as a payment gateway, payment processor, and acquirer. We enable merchants to accept payments from their global customers, handle the authorisation and settlement of payments, and provide merchant accounts.
What are the requirements to accept payments with Airwallex in New Zealand?
Airwallex Payments is a feature that’s available on all tiers of the Airwallex Global Account. To be eligible for an Airwallex Global Account, your business must be registered and active in New Zealand, have an active NZBN, and we need to be able to verify the business activities and connected individuals.
How to get started with accepting payments with Airwallex?
Once your Airwallex account is approved, navigate to the 'Payments' tab on the left hand side menu of the Airwallex WebApp and click ‘Get Started’. You may need to submit some more information to use the Payments feature. Add payment methods through the payments tab, navigating to “Payment methods” and searching for the methods you want to activate.
Are Airwallex payment solutions safe and secure?
Yes. Airwallex (New Zealand) Ltd is registered on the Financial Service Provider Register (FSPR number FSP1001602) and adheres to strict local and international regulatory requirements. We use bank-grade security protocols, including PCI DSS Level 1 compliance, end-to-end encryption, and 3DS logic. Our AI-powered fraud engine also monitors every transaction to protect your business and customers from unauthorized activity.
Does Airwallex have any customer service?
Yes, we offer dedicated support for our New Zealand customers. You can find answers to common questions in our comprehensive Help Centre or submit a ticket through our support form. For formal inquiries or complex technical needs, you can email our team at [email protected]. If you ever need to escalate a concern, Airwallex is a member of the Financial Dispute Resolution Service (FDRS) in New Zealand, ensuring a fair and transparent process.
How to accept recurring payments with Airwallex?
Accepting recurring payments is straightforward with Airwallex Subscription Management. You can set this up in three ways: no-code, low-code, or through an API. Our system includes analytics and reporting to help you optimise your pricing strategy and address issues quickly, and also offers usage-based billing.
Can eCommerce platforms and marketplaces use Airwallex?
Yes, they can. Airwallex is designed to integrate with major eCommerce platforms including Shopify, WooCommerce, and Magento. Kiwi merchants can use our plugins to accept over 160 global and local payment methods with ease. For marketplaces and platforms, our robust APIs allow you to manage multi-currency pay-ins and automate payouts to sellers worldwide, all while benefiting from "like-for-like" settlement to avoid unnecessary FX conversion fees.