Online payment gateway
Routes card-not-present transactions from a website or app through to an acquirer, handling the checkout, tokenisation and authorisation messaging.
Comparing products rather than companies? See all payment gateways.
22 companies
- Dutch-listed acquirer serving enterprise and large-merchant Australia, and an AusPayNet participant member — though which entity holds local acquiring is not publicly documented.
AdyenAcquirer · Online payment gateway · Payment orchestrationAmsterdam, Netherlands - 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.AirwallexAcquirer · Online payment gatewayMelbourne, 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.ANZ WorldlineAcquirer · Online payment gatewayDocklands, Melbourne, VIC, Australia
- 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.Checkout.comOnline payment gateway · Acquirer · Payment orchestrationLondon, United Kingdom
- Australia's largest bank by assets and a top-tier acquirer, with its own Smart terminal family and an eCommerce stack currently mid-rebuild.CommBankBank · Online payment gateway · Lending · Card issuer · NPP (New Payments Platform)Sydney, NSW, Australia
- The wholesale acquiring licence much of the Australian fintech payments layer actually rides on — including Zeller and Shift4.CuscalBank · Acquirer · PSP software · NPP (New Payments Platform) · Card issuer · Online payment gatewaySydney, NSW, Australia
- 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.Fat ZebraOnline payment gateway · Acquirer · PSP software
- A major wholesale acquirer in Australia whose market presence is far larger than its brand visibility — several consumer-facing providers sit on its licence.FiservAcquirer · PSP software · POS provider · Online payment gateway
- US-listed acquirer with two Australian participant entities, now including Worldpay after completing that acquisition in January 2026.
Global PaymentsAcquirer · Online payment gateway · PSP softwareAtlanta, Georgia, USA - Designated four-party card network, and the other international debit brand co-badged alongside eftpos on most Australian debit cards.MastercardCard scheme · Online payment gatewayPurchase, New York, USA
- Direct acquirer and the most significant wholesale sponsor among the majors — several other providers board merchants onto NAB.NABBank · Online payment gateway · Lending · NPP (New Payments Platform) · Card issuerMelbourne, VIC, Australia
- Acquired Till Payments and now holds the Australian participant membership. Went private under Advent International, so it is no longer listed.NuveiAcquirer · Online payment gateway · PSP softwareMontreal, Canada
- A processor and facilitator in Australia rather than an acquirer — its Braintree agreement names NAB and Fiserv as the acquirers of record.PayPalOnline payment gateway · Alternative payment aggregatorSydney, NSW, Australia
- 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.Shift4Online payment gateway
- Both a Visa and Mastercard principal acquirer and a payment facilitator — and, by its own admission, a participant in eftpos but not a member.SquareOnline payment gateway · Lending · POS provider
- Holds Australian Visa and Mastercard acquiring in its own name — one of the few non-bank principal acquirers, confirmed by its own acquirer disclosure.StripeOnline payment gateway · Acquirer · PSP software
- 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.VisaCard scheme · Online payment gatewaySan Francisco, California, USA
- Australia's oldest bank and second largest by assets, acquiring directly with the EFTPOS Air, Now and Flex range plus the PayWay gateway.WestpacBank · Online payment gateway · Lending · Card issuer · NPP (New Payments Platform)Sydney, NSW, Australia
- 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.WindcaveAcquirer · Online payment gateway · Unattended paymentsAuckland, New Zealand
- 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.WorldpayAcquirer · Online payment gatewaySydney, 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.WpayAcquirer · Online payment gatewayBella Vista, NSW, 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.ZellerOnline payment gateway · POS providerMelbourne, VIC, Australia