Payments
The all-in-one global payment solution for growing 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 choose Airwallex Payments
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 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 optimization 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 for every business
From no-code to fully customizable payment integration solutions
Checkout
Payment Links
Payment Plugins
Payments API
Checkout
Payment Links
Payment Plugins
Payments API
Global payment solution
Lower your costs with our multi-currency payment solutions
Automatic currency conversion
Boost global sales by showing prices in your customers' local currency. By automating local pricing and payment methods, you remove checkout friction and increase international conversion rates instantly.
Like-for-like settlement
Protect your margins by avoiding unnecessary FX fees. Settle funds in the same currency your customers use, keeping 100% of your revenue without losing a percentage to forced currency conversions.
Multi-currency transfers
Streamline global payouts by paying suppliers directly from Airwallex’s global account. Use your earned funds to fuel international growth or corporate spend, bypassing the high costs of traditional cross-border wire transfers.
“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 Authorization
Boost revenue with higher acceptance rates across all your markets
Adaptive success rate optimization
Airwallex’s ML-powered optimization engine includes smart MCC assignment, automatic retries, ISO message optimizations, 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 tokenization
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 optimization
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.
Maximize payment approvals
Lift authorization rates with adaptive routing, intelligent retries, precise payment message formatting, and the right payment method mix for each market. Dynamic SCA optimization 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 tokenization, card account updater, and anomaly alerts. By keeping card credentials current and minimizing soft declines, payments flow more consistently across issuers and regions
Pricing for Payments
Say goodbye to unnecessarily expensive payment fees
Enjoy competitive processing fees on both domestic and international transactions and avoid hidden FX conversion fees with Airwallex’s Payment.
Domestic Cards
Visa, Mastercard, American Express, Discover, Diners Club, JCB, Union Pay, Apple Pay and Google Pay
2.80% + 0.30 USD
International Cards
Visa, Mastercard, American Express, Discover, Diners Club, JCB, Union Pay
4.30% + 0.30 USD
Local Payment Methods
Klarna and 160+ other methods. Click here to view full list
$0.30 + Payment Method Fee
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.
Explore our 160+ payment methods
See our capabilities
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.
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 about 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 an US-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 USD and back to GBP, 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 and payment facilitator. We enable merchants to accept payments from their global customers, handle the authorization and settlement of payments, and provide merchant accounts.
Can I integrate a payment solution into my existing website?
Yes, Airwallex makes it easy to integrate payment solutions into your existing website with Checkout and Payment Plugins. These tools enable you to build a seamless payment experience, which helps you to accept payments in minutes and grow your international business.
Is a payment solution different from a payment gateway?
Yes, a payment solution is broader thana payment gateway. A payment gateway acts as a secure technical "bridge" at checkout, which authorizes online transactions. Payment solutions like Airwallex offer a more holistic end-to-end experience, including business accounts, multi-currency support, settlement, and payment processing tools.
Are Airwallex payment solutions safe and secure?
Your security when using Airwallex's payment solutions is a priority. Airwallex uses enterprise-grade fraud prevention tools and data tokenization to keep transactions safe. In addition, Airwallex holds over 70 licenses and permits globally.
Does Airwallex have any customer service?
Yes, Airwallex offers customer service through a dedicated team of support specialists ready to assist you. If you have any questions, please visit our Help Center at https://help.airwallex.com/hc/en-gb where you can find answers and submit inquiries. Our team will be in touch shortly to help.