PayChoice

PayChoice: Payment Acceptance Overview for Merchants

PayChoice is an Australia-b ased payment service provider that offers multiple ways for merchants to take payments across online, in-person, and remote scenarios. PayChoice focuses on four building blocks: online payments, recurring direct debits, EFTPOS transactions, and API Web Services for integrating payments into websites, apps, or business software.

What PayChoice Offers

PayChoice describes capabilities designed for common merchant workflows:

• Accepting card payments online, over the phone, in person, and via payment links

• Collecting recurring payments using direct debit authorities

• Offering bank-based payment options such as BPAY and PayTo

• Taking EFTPOS payments, including contactless and mobile wallet transactions on terminals

• Integrating payments via API Web Services when a merchant needs custom software integration

PayChoice also maintains an NZ site for New Zealand.

PayChoice Online Payments

PayChoice’s online payments offering is positioned for merchants that want multiple payment methods and faster access to funds. It includes:

• Credit card payments that can be taken in person, over the phone, online, or by sending a link to a customer

• BPAY acceptance as an online banking payment method

• PayTo for real-time responses on payment success and the ability to receive funds right away

• eCommerce payments that can integrate with an existing store, plus a widget option for simpler online selling

PayChoice references reporting that provides visibility into income, transaction history, and settlement amounts.

Direct Debit Payments and Recurring Billing

PayChoice supports recurring collections through its direct debit product. PayChoice describes:

• Recurring collections from bank accounts, and recurring collections from debit or credit cards

• Paperless sign-up by sending a secure form to customers

• Customisable payment terms, including amount and collection frequency

• The ability to split larger regular payments into smaller recurring amounts

PayChoice also states that recurring payments are supported through its API, enabling billing cycles for memberships, subscriptions, and instalments.

EFTPOS Payments

For in-person transactions, PayChoice offers EFTPOS capability that it describes as allowing customers to pay directly from their bank account using cards or smart devices. PayChoice highlights support for contactless, chip, and swiped transactions, and states that terminals support mobile wallets such as Apple Pay and Google Pay.

Payment Acceptance Channels

PayChoice describes payment acceptance across:

• Online (web) and in-app use cases through its gateway and API

• In-person point-of-sale scenarios through EFTPOS

• Remote collection through payment links and over-the-phone collection

This mix can suit businesses that combine onsite service delivery with online or invoice-based collection.

Supported Payment Methods

Across PayChoice materials, the provider references:

• Card payments (including Mastercard, and materials that reference Visa and AMEX in the context of online payments)

• BPAY payments via online banking

• Direct debit collections from bank accounts, and recurring collections from debit or credit cards

• PayTo as a real-time bank account payment option

• EFTPOS for card-present debit transactions, including mobile wallets on terminals

Method availability can be configuration-specific, so merchants should validate the exact schemes, wallet options, and channel enablement that apply to their account.

Checkout and Collection Flows

Payment Links and One-Off Collection

PayChoice describes sending payment links to customers and collecting payment details over the phone. This can support:

• Deposits for bookings or appointments

• Invoice settlement for services delivered

• One-off payments where the merchant does not want to build a full checkout

Recurring Payments

Recurring billing is supported through direct debits and also via PayChoice’s API for subscription and instalment patterns.

Integrated And Embedded Options

PayChoice describes integration into an existing store, a widget for simpler setups, and API Web Services for custom integrations with websites, apps, and business systems.

Settlement Timing and Cash Flow

PayChoice states that card payments can settle with merchants receiving funds within 24 hours, and it describes PayTo as enabling funds to be received right away. For real-time payment scenarios, PayChoice also discusses receiving funds in the same day.

Security and Compliance

PayChoice highlights Tier 1 PCI DSS security. In its security-focused materials, PayChoice also references controls such as encrypted data transmission, tokenisation, real-time monitoring for suspicious activity, and built-in fraud detection tools.

Integrations and Partner Ecosystem

PayChoice states it integrates with a range of software partners and offers custom integrations through API Web Services when a merchant’s software is not listed. PayChoice’s partner references include providers such as XODA, Pole Studio Manager, The Platform Alliance Group, ClubManager, GymMaster, GymLeads, M360, WellnessLiving, and Accelerware.

Support and Onboarding

PayChoice describes same-day support from a locally based, Australian owned and operated team, and indicates that during business hours it typically responds within the hour. PayChoice also provides phone availability during 9am to 5pm, Monday to Friday.

Pricing Structure

PayChoice does not publish a universal public fee schedule with fixed pricing across all services. It describes pricing as dependent on service, business volume, and setup, and it references a low flat rate concept for card payments.

Conclusion

PayChoice provides payment acceptance options aimed at merchants that need flexibility across online payments, recurring direct debits, EFTPOS transactions, and API-driven integrations. It supports bank-based methods like BPAY and PayTo alongside card payments, offers remote collection via payment links, and describes settlement timelines of within 24 hours for card payments with faster access for PayTo.