Payments company directory

Who is who in Australian card payments. Every company is tagged with what it actually does, so you can jump straight to the acquirers, the terminal manufacturers or the brokers.

Browse by company role

Most companies hold more than one role — a bank can also be an acquirer and a lender, so it appears under each.

All companies (47)

AdyenAcquirer · Online payment gateway · Payment orchestrationAmsterdam, Netherlands
Dutch-listed acquirer serving enterprise and large-merchant Australia, and an AusPayNet participant member — though which entity holds local acquiring is not publicly documented.
AirwallexAcquirer · Online payment gatewayMelbourne, VIC, Australia
Started with five blokes and a Melbourne coffee shop getting stung on international payments, now an US$8 billion fintech — and it is only just bringing card terminals to Australian counters.
American ExpressCard scheme · Card issuer · AcquirerNew York, New York, USA
A three-party scheme that issues its own cards and acquires its own merchants — the most expensive network for Australian merchants, and no longer RBA-regulated.
ANZBank · Lending · Card issuer · NPP (New Payments Platform)Docklands, Melbourne, VIC, Australia
Does not acquire on its banking licence — Australian card acquiring sits in ANZ Worldline, which ANZ took to full ownership in August 2026.
ANZ WorldlineAcquirer · Online payment gatewayDocklands, Melbourne, VIC, Australia
One of Australia's largest acquirers by transaction volume, and as of August 2026 wholly owned by ANZ after the Worldline joint venture was bought out.
Bank of QueenslandBank · Lending · Card issuer · NPP (New Payments Platform)Newstead, Brisbane, QLD, Australia
Refers merchant business out rather than acquiring — BOQ Specialist routes clients to Tyro Health or Fiserv’s Clover depending on the industry.
Bendigo and Adelaide BankBank · Lending · Card issuer · NPP (New Payments Platform)Bendigo, VIC, Australia
Does not acquire. Its merchant offer is white-labelled from Tyro, which has been its exclusive acquiring partner since 2020.
CastlesTerminal manufacturerNew Taipei City, Taiwan
The Taiwanese terminal builder behind a lot of hardware that carries somebody else’s badge — a wide Android range sold through acquirers and payment facilitators, never direct to merchants.
Checkout.comOnline payment gateway · Acquirer · Payment orchestrationLondon, United Kingdom
A London fintech that acquires and runs its own gateway in one — enterprise volume, one contract, and a stack that is simpler to run than to leave.
CitiAcquirer · BankSydney, NSW, Australia
A 214-year-old American bank whose payments arm, Spring by Citi, does card acceptance for big corporates — and in Australia that is exactly who it serves, not the shop on the corner.
CommBankBank · Online payment gateway · Lending · Card issuer · NPP (New Payments Platform)Sydney, NSW, Australia
Australia's largest bank by assets and a top-tier acquirer, with its own Smart terminal family and an eCommerce stack currently mid-rebuild.
CuscalBank · Acquirer · PSP software · NPP (New Payments Platform) · Card issuer · Online payment gatewaySydney, NSW, Australia
The wholesale acquiring licence much of the Australian fintech payments layer actually rides on — including Zeller and Shift4.
Diners ClubCard schemeRiverwoods, Illinois, USA
The original charge card, now owned within Capital One. Australian issuance ended in 2024; cards are still accepted here on Discover rails.
DiscoverCard schemeRiverwoods, Illinois, USA
US network now owned by Capital One. No Australian issuance — its relevance here is inbound-tourist acceptance, recently expanded by local acquirers.
EftexAcquirer · PSP softwareMacquarie Park, NSW, Australia
The quiet one on Visa’s acquirer register — a Sydney processor with its own settlement account at the Reserve Bank, selling acquiring infrastructure to other payment companies rather than terminals to cafes.
eftposCard schemeSydney, NSW, Australia
Australia's own domestic debit network and the cheapest of the three designated schemes for merchants — the network least-cost routing routes to.
Fat ZebraOnline payment gateway · Acquirer · PSP software
Australian gateway that is simultaneously a facilitator and an acquirer depending on the scheme — the clearest published example of why one label per company is inadequate.
FiservAcquirer · PSP software · POS provider · Online payment gateway
A major wholesale acquirer in Australia whose market presence is far larger than its brand visibility — several consumer-facing providers sit on its licence.
Global PaymentsAcquirer · Online payment gateway · PSP softwareAtlanta, Georgia, USA
US-listed acquirer with two Australian participant entities, now including Worldpay after completing that acquisition in January 2026.
HSBC AustraliaBank · Lending · Card issuer · NPP (New Payments Platform)Barangaroo, Sydney, NSW, Australia
Closing its Australian retail bank and selling its A$36bn loan book. Its payments offer, Omni Collect, is delivered in partnership with Fiserv and Azupay.
ING AustraliaBank · Lending · Card issuer · NPP (New Payments Platform)Sydney, NSW, Australia
Sixth largest bank in Australia by assets, and a card issuer only — there is no merchant or EFTPOS product anywhere in its Australian range.
IngenicoTerminal manufacturerSuresnes, France
France’s terminal incumbent — 45 years of payment hardware, carved out of Worldline in 2022 and recapitalised under PIMCO-led investors in 2026.
JCBCard schemeMinato-ku, Tokyo, Japan
Japan's card network. In Australia its cards are accepted through a partnership with American Express rather than on its own acquiring.
Live PaymentsAcquirer · LendingSydney, NSW, Australia
Started inside Macquarie Bank in 2006 doing taxi EFTPOS, got bought out in 2008, and two decades on is a Sydney acquirer in its own right — still with the taxi business attached.
Macquarie BankBank · NPP (New Payments Platform) · Lending · Card issuerSydney, NSW, Australia
Australia's fifth largest bank by assets, and one that tells businesses plainly it does not offer merchant facilities — DEFT is collections, not card acquiring.
MastercardCard scheme · Online payment gatewayPurchase, New York, USA
Designated four-party card network, and the other international debit brand co-badged alongside eftpos on most Australian debit cards.
NABBank · Online payment gateway · Lending · NPP (New Payments Platform) · Card issuerMelbourne, VIC, Australia
Direct acquirer and the most significant wholesale sponsor among the majors — several other providers board merchants onto NAB.
NayaxTerminal manufacturer · Unattended paymentsHerzliya, Israel
The Israeli self-service giant — vending and unattended payments, a management platform behind them, and a listing on Nasdaq.
NuveiAcquirer · Online payment gateway · PSP softwareMontreal, Canada
Acquired Till Payments and now holds the Australian participant membership. Went private under Advent International, so it is no longer listed.
PAXTerminal manufacturerHong Kong
The volume challenger that broke the Ingenico–Verifone duopoly on price — Android smart terminals sold through acquirers and resellers rather than direct to merchants.
PayPalOnline payment gateway · Alternative payment aggregatorSydney, NSW, Australia
A processor and facilitator in Australia rather than an acquirer — its Braintree agreement names NAB and Fiserv as the acquirers of record.
PayterTerminal manufacturer · Unattended paymentsRotterdam, Netherlands
A Dutch specialist that builds nothing but unattended readers — the module behind the card reader on an EV charger, a car wash or a vending machine.
QuestTerminal manufacturer · Unattended paymentsMelbourne, Victoria
The Australian one — operating here since 1991, designing and building its own terminals in Victoria, and the only manufacturer on this site that treats eftpos as a first-class scheme rather than a local quirk.
Shift4Online payment gateway
The former Smartpay Australia, rebranding to Shift4 after acquisition. An acquirer in New Zealand, but Cuscal-sponsored in Australia — do not carry the status across the Tasman.
SquareOnline payment gateway · Lending · POS provider
Both a Visa and Mastercard principal acquirer and a payment facilitator — and, by its own admission, a participant in eftpos but not a member.
St.GeorgeBank · Acquirer · Card issuer · LendingSydney, NSW, Australia
Started as a Sydney building society in 1937, owned by Westpac since 2008, and still listed in its own right on Visa’s register of institutions licensed to acquire card payments in Australia.
StripeOnline payment gateway · Acquirer · PSP software
Holds Australian Visa and Mastercard acquiring in its own name — one of the few non-bank principal acquirers, confirmed by its own acquirer disclosure.
Suncorp BankBank · Lending · Card issuer · NPP (New Payments Platform)Brisbane, QLD, Australia
Now Norfina Limited and wholly owned by ANZ — and exiting merchant services entirely, with facilities ceasing 11 December 2026.
TyroBank · Lending · Card issuer · NPP (New Payments Platform)Sydney, NSW, Australia
Australia's largest EFTPOS provider outside the major banks, and the only ASX-listed challenger bank built specifically around merchant acquiring.
UnionPayCard schemeShanghai, China
China's state-owned card network, issued in Australia by Bank of China (Australia) and widely accepted through the major banks — but not RBA-designated.
VerifoneTerminal manufacturer · Unattended paymentsNew York, United States
The other half of the old duopoly — American, 45 years old, private since 2018, and still the name on a very large share of the world’s installed terminals.
VisaCard scheme · Online payment gatewaySan Francisco, California, USA
One of the three card networks designated for regulation by the RBA, and one of the two international debit networks co-badged on Australian dual-network debit cards.
WestpacBank · Online payment gateway · Lending · Card issuer · NPP (New Payments Platform)Sydney, NSW, Australia
Australia's oldest bank and second largest by assets, acquiring directly with the EFTPOS Air, Now and Flex range plus the PayWay gateway.
WindcaveAcquirer · Online payment gateway · Unattended paymentsAuckland, New Zealand
Kiwi-built, privately owned and quietly everywhere — if you have paid at a car park gate or a petrol pump in Australia, there is a fair chance Windcave was behind the glass.
WorldpayAcquirer · Online payment gatewaySydney, NSW, Australia
One of the biggest card acquirers on earth, owned by four different companies in eight years and bought by Global Payments in January 2026 — which tells you something about how this industry trades itself.
WpayAcquirer · Online payment gatewayBella Vista, NSW, Australia
Woolworths built it to run its own checkouts, then worked out other retailers would pay for the same thing — and it says it is now Australia’s largest non-bank acquirer.
ZellerOnline payment gateway · POS providerMelbourne, VIC, Australia
Melbourne-based, flat-rate card acceptance with a business account attached — and, despite the brand visibility, a payment facilitator on Cuscal’s licence rather than an acquirer.

POS companies (109)

Point-of-sale software makers with more than one system on this site. Each page lists their systems and which banks they can use.