The choice of a payment gateway is pivotal for any business venturing into the online market. In Australia, several payment gateways offer distinct features and services, catering to a diverse range of business needs.
From transaction fees and payment methods to security measures and integration ease, each gateway presents unique benefits. To assist businesses in making an informed decision, we’ve compiled a comparison of some prominent Australian payment gateways.
Here’s a comprehensive table comparing these gateways:
| Payment Gateway | Transaction Fees | Payment Methods | Security | Integration Ease | Customer Support |
|---|---|---|---|---|---|
| eWay | 1.5% + 25c per transaction | Credit/debit cards, digital wallets | PCI DSS Level 1 compliance, bank-level protection | Over 250 software and shopping cart integrations | Phone, website |
| SecurePay | 1.75% + $0.30 AUD (domestic), 2.90% + $0.30 AUD (international) | Credit/debit cards, digital wallets, phone payments (IVR) | FraudGuard, 3D Secure 2, PCI scope minimization | SecurePay API, e-commerce extensions, XML, SecureFrame, etc. | Online form, phone support (8:00 am – 8:00 pm) |
| 2Checkout | Varies by plan (2Sell, 2Subscribe, 2Monetize) | Global payment methods, localized buying experience | PCI DSS Level 1, PSD2, GDPR, fraud detection tools | Over 120 shopping carts, API and 3rd party integrations | 24×7 support, knowledge base |
| Pin Payments | 1.75% + 30c (domestic), 2.9% + 30c (international) | Credit/debit cards, digital wallets | PCI Data Security Standards Level 1, tokenization, HTTPS | WooCommerce, Ecwid, Magento, Shopify, Xero, etc. | Phone support (9 AM – 5 PM Melbourne time), dedicated team |
| Till Payments | Competitive, tailored for businesses with annual transaction volume over $250k | Debit cards, Buy Now Pay Later, VISA, Mastercard, BNPL, Discover Global Network®, AliPay, etc. | PCI DSS compliance, 3DS2 security, tokenization | Seamless integration with daily tools | Email, phone, request submission system |
This analysis aims to provide a clear and concise overview, helping you choose the one that aligns best with your business requirements. Let’s take a closer look at each payment gateway.
Contents
1. eWay
eWay, a prominent online payment gateway in Australia, provides a streamlined and secure platform for businesses to process payments. It’s designed to cater to a variety of e-commerce needs, offering a comprehensive suite of features that ensure a smooth transaction experience for both merchants and their customers.
Transaction Fees
eWay offers competitive transaction fees, charging 1.5% + 25c per transaction for Amex, Mastercard, and Visa. This rate applies to both domestic and international cards, making it a cost-effective solution for businesses with a global customer base.
Moreover, eWay stands out by not imposing setup fees, monthly fees, or lock-in contracts, enhancing its appeal to businesses of various sizes and types.
Payment Methods
The platform accepts a wide range of payment methods, including major international and domestic credit and debit cards like Mastercard, Visa, and Amex.
Additionally, eWay supports digital wallets, offering a fast, secure, and intuitive checkout process. This not only enhances the user experience but also addresses the growing trend of digital wallet usage in online transactions.
Security
Security is a paramount concern for eWay, which employs bank-level protection to secure customer and business information. It boasts the highest level of PCI DSS compliance (level 1), ensuring top-tier encryption and data security.
Integration Ease
eWay offers a variety of integration options, making it a flexible choice for businesses with different technical capabilities. Merchants can choose from over 250 software and shopping cart integrations, or build their own custom connections using eWay’s robust API.
Customer Support
The company provides dedicated support for both new and existing customers. They offer assistance for sales inquiries, payment solution support, and consumer-related queries. Customers can easily contact the support team via phone or through their website, ensuring that help is readily available whenever needed.
2. SecurePay
SecurePay, a versatile online payment gateway in Australia, offers a range of payment solutions catering to diverse business needs. It is recognized for its user-friendly interface and comprehensive payment options, ensuring a seamless transaction experience for both merchants and customers.
Transaction Fees
SecurePay adopts a transparent pricing model with no regular, setup, or hidden fees. The transaction fees are competitively structured: 1.75% + $0.30 AUD for domestic cards and 2.90% + $0.30 AUD for international cards.
Additionally, there are no monthly, annual, or setup fees. The gateway includes FraudGuard at no extra cost and supports Dynamic Currency Conversion (DCC) with a standard $25 chargeback fee and a rebate on DCC transactions, enhancing its appeal for businesses with international clientele.
Payment Methods
SecurePay accepts a wide array of payment methods, providing flexibility for customers. It supports major credit and debit cards like Visa, MasterCard, American Express, Diners Club, and JCB.
Moreover, it integrates with popular digital wallets such as PayPal and Apple Pay, catering to the growing trend of digital payment solutions. SecurePay also accommodates phone payments (IVR), acknowledging the continued preference for this method among certain customer segments.
Security
Security is a key focus for SecurePay, featuring advanced tools like FraudGuard. This system allows merchants to customize fraud settings, automatically screens transactions, and notifies users of suspicious activity.
Additionally, SecurePay employs 3D Secure 2 (3DS2) for enhanced cardholder authentication and protection against fraudulent transactions, charging a nominal fee for each authentication. The platform also assures data security by minimizing PCI scope, as customer card details never touch the merchant’s system, significantly reducing associated security obligations.
Integration Ease
Integrating with SecurePay is straightforward, offering multiple methods based on business requirements. Merchants can test their integration using a sandbox version before going live. Integration options include the SecurePay API, e-commerce extensions, and other methods like XML, SecureFrame, SecureBill, etc.
Customer Support
SecurePay provides robust customer support, responding to queries within 1-3 business days via an online form. For more direct assistance, customers can call between 8:00 am and 8:00 pm, Monday to Friday (excluding public holidays).
Email support is also available, with typical replies during the same hours on business days. This comprehensive support system ensures that businesses have access to timely help and guidance whenever needed.
3. 2CheckOut
2Checkout is a global payment gateway, catering to businesses with an international client base. It’s designed to facilitate online sales across borders, offering a robust platform for various e-commerce activities, including the sale of digital goods.
Transaction Fees
2Checkout offers different plans with varying transaction fees:
- 2Sell: 3.5% + $0.35 per successful sale, ideal for global selling with integration to over 120 carts.
- 2Subscribe: 4.5% + $0.45 per successful sale, tailored for subscription businesses with smart management tools.
- 2Monetize: 6.0% + $0.60 per successful sale, an all-in-one solution for selling digital goods globally with added features like global tax compliance and invoice management.
Payment Methods
2Checkout supports a wide range of global payment methods. It provides a localized buying experience, offering customers the option to shop in their own language, use preferred payment methods, and see prices in local currencies. This flexibility is key for businesses aiming to establish a global online presence.
Security
2Checkout offers advanced fraud detection tools, using a mix of AI and manual review processes to minimize fraudulent activity and false positives. 2Checkout adheres to the highest standards of compliance, including PCI DSS Level 1, PSD2, GDPR, BBB Accreditation, and SSAE 18.
These measures ensure a secure transaction environment, protecting both merchants and customers from fraud and data breaches. Additionally, it guarantees 99.98%+ uptime with comprehensive disaster recovery and failover plans.
Integration Ease
2Checkout is known for its easy integration options, supporting over 120 different shopping carts. This flexibility enables businesses to quickly integrate 2Checkout into their existing e-commerce platforms, simplifying the payment process for both merchants and customers. Additionally, it offers API and 3rd party integrations, providing more control and customization to merchants.
Customer Support
2Checkout offers 24×7 support for merchants, ensuring they have assistance whenever required. This comprehensive support structure is crucial for businesses managing global transactions and facing different time zones and operational challenges. A knowledge base is also available for additional resources and self-help.
4. Pin Payments
Pin Payments is an online payment gateway tailored for small businesses and platforms in Australia. It offers a complete and flexible payment solution, emphasizing speed and simplicity to cater to the unique requirements of various business models.
Transaction Fees
Pin Payments applies a clear pricing structure with no lock-in contracts. For domestic transactions, it charges 1.75% + 30c per transaction for domestic cards and 2.9% + 30c for international cards.
Foreign currency transactions are processed at 2.9% + 30c, with an additional conversion fee of 1.7%. Additionally, transferring funds to a third-party bank account via their Payouts APIs incurs a 30c fee, although transfers to one’s own bank account are exempt from this fee.
This pricing scheme is designed to be straightforward and includes all features without extra costs.
Payment Methods
Pin Payments supports a wide range of payment methods, including major credit and debit cards like Visa, Mastercard, American Express, Eftpos, JCB, Discover, and Diners Club. It also integrates with digital wallets such as Apple Pay and Google Pay.
Security
As a Level 1 Service Provider, Pin Payments adheres to the highest standards of PCI Data Security Standards. It undergoes regular security audits, both internal and external, to ensure the integrity and safety of its system.
Pin Payments employs advanced security measures like tokenization, where sensitive credit card information is encrypted and stored in isolated systems, and all communications are forced to use HTTPS. Additionally, it offers Hosted Fields, a feature that enables websites to accept payments without directly handling credit card data, thus minimizing PCI requirements.
Integration Ease
Pin Payments provides a range of integration options, allowing businesses to add secure payments to various applications. It supports integration with several e-commerce, booking, ticketing, accounting, and subscription platforms, including WooCommerce, Ecwid, Magento, Shopify, and Xero.
Customer Support
For customer support, Pin Payments offers direct assistance to both new and existing customers. Queries can be addressed through a dedicated support team, and for more immediate assistance, customers can call directly during business hours. The support team is available from Monday to Friday, 9 AM to 5 PM (Melbourne time), ensuring that users receive timely help and guidance when needed.
5. Till Payments
Till Payments is a dynamic and versatile payment gateway provider, ensuring quick and secure payment solutions for businesses of varying types and sizes. Emphasizing flexibility, Till offers seamless online payment acceptance across various channels, including websites, apps, emails, and SMS.
Transaction Fees
Till Payments boasts competitive rates, especially for businesses with an annual transaction volume over $250,000. They offer tailored pricing packages for such companies.
Notably, there are no setup or terminal rental fees, and merchants receive the latest Android terminal for Eftpos transactions. For more specific pricing details or a customized package, businesses are encouraged to contact Till Payments directly.
Payment Methods
To enhance the online shopping experience, Till Payments supports a wide array of payment methods. This includes debit cards, Buy Now Pay Later options, VISA, Mastercard, BNPL, Discover Global Network®, AliPay, and more.
Security
Till Payments ensures that all merchant partners are automatically compliant with PCI DSS, a global data security standard mandatory for businesses accepting card payments.
Additionally, Till Payments incorporates 3DS2 security, an authentication solution providing an extra layer of protection for online transactions. They also offer tokenization, which securely masks credit card information, facilitating repeat purchases and enhancing customer trust.
Integration Ease
Till Payments emphasizes ease of integration with third-party tools, allowing businesses to connect with the tools they use daily. This feature underscores their commitment to providing a seamless integration process, crucial for businesses leveraging various software and platforms for their operations.
Customer Support
Recognizing the importance of timely and effective support, Till Payments offers assistance via email, phone, or through their request submission system. They are prepared to help with various topics, ensuring that customer inquiries and issues are addressed promptly.
