Payments

Payment solutions built for global commerce

Collect online payments in multiple currencies and local payment methods, boost global acceptance rates, and save on FX with Airwallex Payments.

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Grow and protect your global revenue with a modern payments platform

Businesses of all shapes and sizes - from eCommerce stores and subscription businesses to online marketplaces and platforms - use Airwallex to reach new global customers, eliminate unnecessary currency fees, and protect against fraud.

Accept payments in a variety of local payment methods and 180+ countries

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

Boost conversion and acceptance rates

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.

Global Payments

Price, settle, and transfer funds in multiple currencies

Automatic currency conversion

Airwallex will use the location you specified or the one we detected to display the customer's local currency and relevant payment methods.

Like-for-like settlement

Settle funds from your customers in the same currencies they pay in, avoiding costly FX conversions back to your home currency.

Multi-currency transfers

Use the funds you settle into your multi-currency wallet to pay out to suppliers using Airwallex’s global payout network or corporate cards.

Airwallex Testimony

“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

Airwallex Testimony

"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

Airwallex Testimony

“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 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.

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.

Pricing

Say goodbye to expensive processing fees

Enjoy competitive processing fees on both domestic and international transactions and avoid hidden FX conversion fees.

Payments

World-class payment acceptance. View full fee schedule

UK Cards

Visa, Mastercard, Apple Pay and Google Pay

1.30% + 0.20 GBP

EEA Cards

Visa, Mastercard

2.40% + 0.20 GBP

International Cards

Visa, Mastercard, UnionPay

3.15% + 0.20 GBP

American Express Cards

American Express

2.40% + 0.20 GBP

Local Payment Methods

WeChat Pay, GrabPay and 160+ other methods. Click here to view full list

0.20 GBP + Payment Method Fee

Subscription Management (API only)

Collect recurring subscription payments from your customers

0.40%

per successful transaction

Payments for Platforms

Embed payments into your platform or marketplace

White-label and offer Airwallex’s online payment processing solution to your customers. Programmatically create connected accounts, streamline onboarding and compliance, manage fund flows without requiring PayFac registration, and instantly transfer funds between connected accounts. Experience an end-to-end solution covering both global pay-ins and payouts.

For Developers

Designed for developers, by developers.

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
APAC
EU and UK
NA and LATAM

Global

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.

Cards
Mastercard

One of the largest, most used global card networks.

Cards
American Express

A popular and widely used global credit card.

Cards
Apple Pay

The digital wallet of choice for many Apple device users.

Wallet
Google Pay

The digital wallet from Google, popular with Android users.

Wallet
Klarna

A popular Buy Now Pay Later payment method available in 20+ countries.

BNPL
UnionPay

A popular and widely used global card essential for Chinese payers.

Cards
Skrill

A global e-wallet supporting more than 40 currencies.

Wallet

Explore our 160+ payment methods
See our capabilities

Global

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.

Cards
Mastercard

One of the largest, most used global card networks.

Cards
American Express

A popular and widely used global credit card.

Cards
Apple Pay

The digital wallet of choice for many Apple device users.

Wallet
Google Pay

The digital wallet from Google, popular with Android users.

Wallet
See our capabilities

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.

Learn more

Frequently asked questions

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 an UK-based merchant with customers in the US, you can price in USD, receive USD, and transfer funds in USD with Airwallex. This is especially useful if you have suppliers or employees based in the US that need to be paid, as you don't have to convert the USD to GBP and back to USD, saving you fees on FX.

What payment methods does Airwallex offer?

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. The specific payment methods available to your business depend on your location. You can find more information about our payment methods 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 authorization and settlement of payments, and provide merchant accounts.

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