PayNuts

PayNuts Payment Processing Overview For Merchants

PayNuts is an Australia-focused payment provider that offers card payment acceptance for in-person and online commerce. PayNuts supports EFTPOS terminal payments, online checkout acceptance, and remote payment flows such as payment links and virtual terminal style card entry. The business operates under PayNuts Pty Ltd, is headquartered in Melbourne, and states it serves merchants across Australia and New Zealand.

What PayNuts Offers

PayNuts positions its product set around three core merchant needs:

• In-person payments via EFTPOS terminals that can be used at the counter, on the move, or at events.

• Online payments for ecommerce checkouts through a hosted payment experience and developer-oriented integration options.

• Remote payments where a merchant requests payment without a full ecommerce build, such as payment links.

Across these channels, PayNuts emphasizes card acceptance plus modern consumer options like digital wallets and buy now, pay later methods.

PayNuts Payment Acceptance Channels

EFTPOS Terminals For In-Person Payments

PayNuts offers EFTPOS terminal solutions designed for face-to-face payments, including contactless acceptance. The EFTPOS offering also highlights compatibility with a large number of POS providers, which matters for merchants running hospitality or retail point-of-sale stacks.

Common EFTPOS use cases include:

• Retail checkouts and service counters

• Hospitality venues

• Mobile and pop-up operations

• Events requiring temporary or short-term payment acceptance

Online Payments For Web Checkout

For ecommerce, PayNuts provides an online payments solution built around a hosted payments experience plus options intended to support custom integrations. This is relevant to merchants that want to accept card payments on a website without building a full payment stack from scratch.

Payment Links For Remote Card Acceptance

PayNuts provides payment links that merchants can share with customers to complete a card payment. This is typically used for phone-based orders, invoice-like workflows, deposits, or situations where the merchant does not want to implement a full online checkout.

Virtual Terminal Style Acceptance

PayNuts describes a virtual terminal style capability for merchants that need to accept payments without a physical card present, typically by entering card details into a software interface.

Payment Methods Supported By PayNuts

PayNuts lists support for major card schemes and additional consumer payment options that can improve conversion in certain verticals.

Card Networks And Local Schemes

PayNuts supports major international card brands and local debit acceptance, including:

• Visa

• Mastercard

• eftpos

• American Express

• UnionPay

• JCB

Digital Wallets

PayNuts supports digital wallet payments, including:

• Apple Pay

• Google Pay

Alternative Methods

PayNuts also lists support for select alternative payment options, including:

• Alipay

• WeChat Pay

• Afterpay

• Zip

Availability can be program-specific, so merchants typically validate which methods apply to their specific acceptance channel, terminal configuration, and commercial setup.

Checkout And Billing Flows

PayNuts supports multiple ways for merchants to initiate and complete payments:

• Payment Links: Shareable links for customers to pay remotely.

• Hosted Payment Flow: A hosted payments page approach for online checkout.

• Saved Card Experience: PayNuts describes a save-card capability for ecommerce flows.

• Recurring Transactions: PayNuts documentation includes recurring transaction handling, which is relevant for subscriptions or installment-like billing.

Merchants seeking advanced commerce patterns such as marketplace split payments or built-in invoicing tools should confirm fit during onboarding, as those capabilities are not clearly positioned as standard features.

Pricing Approach And Fee Structure

PayNuts presents pricing as program-based and merchant-specific rather than a single universal rate card. Several product pages emphasize no setup fees and reference customized processing rates. PayNuts also describes examples of monthly costs for certain offerings, including terminal rental style pricing for EFTPOS programs and account fee structures for payment links.

Where PayNuts provides indicative figures, it describes typical card processing fees that can start at:

• 1.75% + $0.30 for domestic transactions

• 2.9% + $0.30 for international transactions

Merchants should treat these as starting points and validate final pricing based on industry, ticket size, acceptance mix, and risk profile.

Surcharging-Oriented Program Considerations

PayNuts markets an EFTPOS option designed around surcharging where transaction fees may be passed to the customer, subject to the merchant’s compliance with applicable surcharging rules and card scheme requirements. This can be relevant to cost-sensitive merchants, but it also requires careful customer communication and correct terminal configuration.

Security, Risk, And Dispute Handling

PCI DSS And Data Security Positioning

PayNuts references PCI DSS in its materials and also describes PCI DSS certification in the context of its terminal offering. For merchants, this typically indicates the provider is aligned with baseline card data security expectations, while merchants still remain responsible for their own compliance scope depending on integration approach and how card data is captured.

3D Secure Support

PayNuts describes support for 3D Secure 2.0, which is used to reduce fraud on card-not-present transactions and can help shift liability in certain scenarios depending on authentication outcomes and scheme rules.

Chargebacks And Disputes

PayNuts describes merchant portal functionality that includes dispute and chargeback-related reporting. This is important for operational teams that need visibility into disputes and supporting evidence workflows.

Settlement Time And Funding Behavior

PayNuts describes funding timelines that vary by product:

• Some online payment configurations reference same-day funding, including seven-day availability.

• Some payment link and event-oriented EFTPOS materials describe next business day funding.

Because settlement timelines can be product- and bank-dependent, merchants typically confirm the exact cutoffs, weekend behavior, and reconciliation artifacts during onboarding.

Developer And Integration Options

PayNuts positions several integration paths to match merchant technical maturity:

• Hosted Payment Page for faster deployment with reduced PCI scope.

• Developer API for businesses that want deeper integration into a website or application.

• Plugins for common ecommerce platforms, with PayNuts listing support for platforms such as WooCommerce, Magento, PrestaShop, OpenCart, and BigCommerce.

PayNuts also references a process to request developer documentation. Merchants should expect an enablement step before accessing detailed API materials.

Reporting And Merchant Operations

PayNuts presents an online merchant portal with operational and finance-focused reporting capabilities, including:

• Transaction reporting and exports

• Settlement and funding deposit visibility

• Transaction volume and chart-based summaries

• Chargeback and dispute reporting views

For finance teams, the key evaluation points are export formats, settlement descriptors, and how the portal supports reconciliation against bank deposits and accounting systems.

Customer Support And Merchant Assistance

PayNuts describes multi-channel customer support, including:

• 24/7 support coverage

• Phone support

• Email support

• Online forms or support request submission

For merchants with higher operational complexity, confirming escalation paths and response time expectations can be as important as the baseline channel availability.

Who PayNuts Typically Fits

PayNuts is likely to suit merchants that:

• Operate primarily in Australia, with potential coverage in New Zealand

• Want a single provider for EFTPOS and online card acceptance

• Prefer a hosted checkout approach with optional deeper integration

• Need payment links for remote collection and operational flexibility

• Want support for wallets and select alternative methods like Afterpay and Zip

It can be particularly relevant for hospitality, retail, and service businesses that rely on POS operations and value contactless payments.

Conclusion

PayNuts provides a multi-channel acceptance offering spanning EFTPOS terminals, online payments, payment links, and virtual terminal style card entry. It supports major card schemes alongside digital wallets and selected alternative payment methods, and it describes PCI DSS alignment plus 3D Secure 2.0 for card-not-present risk reduction.