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.