Global Paymate

Global Paymate: a Fast, Local Way to Accept Cards in Australia and New Zealand

Global Paymate is a card payment service for sellers in Australia and New Zealand that lets you accept Visa and Mastercard online, over the phone via a virtual terminal, and on unattended machines such as vending or kiosks. A key value proposition is that you do not need your own merchant account, which typically speeds up approval and reduces setup friction for smaller merchants. Global Paymate emphasizes being 100 percent Australian owned and operated with local support and top tier security.

Where Paymate Fits

For merchants who want to start taking payments quickly, Global Paymate’s aggregator model is attractive. Approval can be as fast as one business day, and you can sell in multiple currencies while receiving settlement in Australian dollars if you are an Australian merchant. For New Zealand merchants, NZD settlement is supported.

Supported Card Brands and Currencies

Global Paymate prices explicitly for Visa and Mastercard and supports taking payments in AUD, NZD, USD, EUR, and GBP, with conversion to AUD when you opt to charge customers in their local currency. Note that foreign currency acceptance for AU merchants incurs an extra fee, and foreign currency is not available for New Zealand merchants.

Acceptance Channels

1) Online payments

Global Paymate offers multiple integration paths so you can pick the lightest lift for your stack:

• No-code buttons via the Paymate Express Button Generator to place “Pay Now” buttons on product or checkout pages.

• A simple Paymate Shopping Cart generator that creates Add to Cart and Checkout flows hosted by Global Paymate.

• API and standard HTML parameters if you prefer deeper integration and control.

• Compatibility with several third-party carts including WooCommerce, Magento, Zen Cart, and osCommerce.

On the risk side, Global Paymate combines automated screening with human review by a Sydney-based team. The online product mentions use of ReD fraud screening, with manual investigations for flagged transactions to reduce chargeback exposure.

2) MOTO virtual terminal

If you take mail or telephone orders, the Virtual Terminal lets you key in card details from any web browser. It is PCI-compliant, protected by 256-bit SSL, scales to any device, and does not require any development work. This is practical for clinics, trades, wholesalers, and other businesses that accept ad-hoc orders by phone.

3) Unattended and vending

Global Paymate also supports unattended terminals for vending, laundry, kiosks, and similar setups. The company promotes “Australia’s cheapest vending fees” on its site and publishes a vending price schedule with a gateway setup fee, a monthly fee that covers all machines, a merchant service fee percentage, and a flat per-transaction fee. This makes the pricing predictable for operators with dispersed machines.

Pricing at a Glance

Australia

For online and MOTO transactions in Australia, Global Paymate advertises 1.9% per transaction with no additional per-transaction fees, no setup, no monthly fees, and no minimum term. High-volume discounts are available if you process over a specified threshold. If you accept foreign currency from customers and settle in AUD, there is an additional 2.75 percent foreign currency fee.

New Zealand

For online and MOTO transactions in New Zealand, Global Paymate lists 3.0% + 50c per transaction. The same ethos applies around simple pricing and no hidden fees.

Vending and unattended

For vending in Australia, Global Paymate publishes a dedicated tariff that includes a one-off gateway setup fee, a monthly account fee covering all machines, a merchant service fee percentage, and a flat per-transaction fee. This is separate from the online or MOTO pricing and is tailored to the unattended use case.

Settlement Timing

Global Paymate emphasizes fast settlement. In many cases funds are paid the next business day after approval. For qualifying smaller transactions, same-day settlement is available when transactions under a stated value are approved before the daily cutoff time. Banks may add their own posting delays, public holidays, and weekend rules.

Security, Compliance, and Support

Global Paymate calls out PCI-compliant processing, 256-bit SSL for the virtual terminal, and fraud scrubbing with manual analyst follow-up as needed. The business also provides clear bank response codes and payment status tools in the Help Centre, along with phone and email support for Australia and New Zealand during local business hours.

Strengths to Consider

• Low-lift onboarding with no merchant account required, well-suited to new or small businesses that want to go live quickly

• Multiple integration paths from no-code buttons to plugins and API, including widely used carts like WooCommerce and Magento

• Local, human fraud review layered on top of automated screening can reduce disputes for higher-risk verticals or order profiles

• Unattended and vending support with a transparent fee structure, useful for operators of distributed machines

• Fast settlement including same-day for qualifying small transactions that meet the cutoff time

Conclusion

Global Paymate gives AU and NZ merchants a clear, locally supported way to accept card payments online, by phone, and on unattended devices, without the overhead of a dedicated merchant account. Pricing is simple, settlement is fast, integrations are flexible, and the fraud model includes real humans.