Pin Payments

Pin Payments
Company: Southern Payment Systems Pty Ltd
Company Size: SMB
Ownership: Private, VC-Backed
Headquarter Country: Australia
Year Established: 2011
Supported Regions: Oceania
Supported Countries: Australia, New Zealand
Industry Focus: Ecommerce, Non-Profit, Professional Services, Retail, Subscriptions
Total Merchants: 13,000
Target Merchant Size: Mid-Market, SMB, Startup
Setup Fee (USD): 0.00
Monthly Fee (USD): 0.00
Transaction Fee (USD/%): Domestic cards: 1.6% + 30c, International cards: 3.4% + 30c
Fee Structure: Flat Rate
Supported Currencies: AUD - Australian Dollar, CAD - Canadian Dollar, EUR - Euro, GBP - British Pound, HKD - Hong Kong Dollar, JPY - Japanese Yen, MYR - Malaysian Ringgit, NZD - New Zealand Dollar, PHP - Philippine Peso, SGD - Singapore Dollar, THB - Thai Baht, USD - US Dollar
Transaction Types: Card Not Present, Digital Wallets, Payment Links, Recurring Billing
Compliance: 3D Secure Support, PCI DSS
Risk Management: Fraud Prevention
Global Payments: Cross-Border Acquiring, Multi-Currency Support
Developer & Integration: Hosted Payment Page, Tokenization Support, Web Services API
Branding & White-Labeling: Custom Branding
API Accessibility: Public
Reporting & Onboarding: Online Merchant Portal, Reporting API
Third-Party Integrations: Ashop, clearFusionSHOP, CubeCart, Drupal, Easy Digital, Ecwid, Gravity Forms, HikaShop, Magento, Moble, Nimbo, Shopify, Spiffy Stores, Spree, VirtueMart, WooCommerce, Xero, Zen Cart

Pin Payments: Overview

Pin Payments is a modern online payment gateway and processor designed specifically to help businesses in Australia and New Zealand accept card payments. As an end‑to‑end solution, it combines acquiring, gateway services, risk management, strong security, and a unified dashboard under a single account, making it especially attractive for small to medium enterprises and platforms.

Setting itself apart with no setup fees, no monthly subscription, and competitive per-transaction pricing, Pin Payments positions itself as an ideal entry‑level yet robust payment infrastructure for companies that want global card acceptance without complexity.

Markets & Business Focus

Pin Payments is dedicated exclusively to Australian and New Zealand merchants, serving over 12,000 businesses every day. This local focus enables strong customer support, market-tailored pricing, and legal compliance in those regions.

Although it offers multi‑currency processing (e.g. AUD, NZD, USD, SGD), it does not support global merchant registration, only those resident or registered in the supported countries may apply.

Core Features & Capabilities

Unified Payment Infrastructure

Pin Payments merges key payment infrastructure (gateway, processor, acquiring, risk management) into a single account for simplicity and transparency.

Multi‑Currency & Global Card Support

Supports core payment networks like Visa, Mastercard, and American Express, plus Google Pay, 3D Secure, and cross-border transactions in supported currencies.

User-Friendly Dashboard & Manual Processing

Merchants control all transactions (payments, refunds, recurring charges) via an intuitive web dashboard. Payment links can be generated manually or embedded into invoices and forms.

Seamless Integrations

Works natively with popular business tools and e‑commerce platforms:

  • WooCommerce, Shopify, Adobe Commerce (Magento) for online stores

  • Xero, QuickBooks for accounting

  • Booking and scheduling tools like Timely, Gravity Forms, Ecwid, AroFlo
    Also supports recurring billing and subscriptions via Chargebee and payFurl using secure tokenization.

Developer API & Payment Security

Offers a simple JSON-based API and Pin.js payment form so card data never touches merchant servers keeping PCI‑DSS compliance minimized. Tokens and stored customer cards can be used for repeat charges and subscriptions.

PCI-DSS & Risk Management

Pin Payments is fully PCI‑DSS compliant, handling sensitive cardholder data securely and supporting 3D Secure authentication. Built-in fraud and risk filtering help mitigate chargebacks and compliance risks, while simplifying regulatory obligations for merchants.

Using hosted forms and tokenization allows merchants to reduce their compliance scope to SAQ‑A, rather than full PCI‑DSS audits, preserving convenience and security.

Conclusion

Pin Payments delivers a streamlined, secure, and cost‑effective online payment gateway tailored for businesses in Australia and New Zealand. With transparent pricing, a simple API, and strong integration support for invoicing, subscriptions, e‑commerce, and finance tools, it is ideal for SMEs and platforms seeking to accept domestic and international card payments without merchant account overhead.

Pin Payments: Frequently Asked Questions (FAQs)

What is Pin Payments?

Pin Payments is an online payment gateway and processor for businesses in Australia and New Zealand, combining acquiring, gateway services, risk management, and a unified dashboard under a single account.

Which countries does Pin Payments support?

Pin Payments supports merchants located in Australia and New Zealand only. It offers multi-currency processing but does not allow global merchant registration.

What payment methods does Pin Payments accept?

Pin Payments accepts Visa, Mastercard, American Express, Google Pay, and supports 3D Secure authentication for secure online transactions.

Are there any setup or monthly fees with Pin Payments?

No. Pin Payments charges no setup fees and no monthly subscription fees. Fees are applied on a per-transaction basis.

Does Pin Payments support multi-currency transactions?

Yes. Pin Payments supports multiple currencies including AUD, NZD, USD, SGD, and more, enabling cross-border transactions for supported merchants.

Can I use Pin Payments for recurring billing?

Yes. Pin Payments supports recurring billing and subscriptions using tokenization through integrations such as Chargebee and payFurl.

What integrations does Pin Payments offer?

Pin Payments works with platforms like WooCommerce, Shopify, Magento, Xero, QuickBooks, Timely, Gravity Forms, and Ecwid for e-commerce, accounting, and scheduling.

How does Pin Payments help with PCI compliance?

Pin Payments is fully PCI-DSS compliant and uses hosted forms and tokenization to reduce merchant compliance requirements to SAQ-A.

Does Pin Payments include fraud protection?

Yes. Pin Payments includes built-in fraud prevention and risk filtering to help protect merchants from chargebacks and fraudulent transactions.

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