Pin Payments logo

Pin Payments

by Pin Payments · Since 2011
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ActiveAvailable globallyCloud
Quick facts
VendorPin Payments
Year launched2011
StatusActive
LocationMelbourne, Australia
Countries servedGlobal
Languages10
Integrations47+
Free tierNO
Free trialNO
Contact salesNO
Last reviewed: Jun 2026

About Pin Payments

A payment processing platform for small to medium businesses in Australia and New Zealand. It enables online card payments, recurring billing, and invoicing without requiring a separate merchant account.

Pin Payments is a specialized payment processing solution tailored for small to medium-sized businesses in Australia and New Zealand. By combining the gateway and processor roles into a single account, it removes the need for a separate merchant bank account, simplifying the setup process. The platform is particularly strong for businesses needing to accept online card payments, manage recurring subscriptions, or integrate payments into platforms and accounting software like Xero. Key capabilities include a secure hosted payment page, foreign currency billing, and a robust API for custom integrations. While it lacks a native mobile app for in-person point-of-sale, it integrates with a wide array of third-party e-commerce and booking platforms. Pricing is transparent and transaction-based with no monthly fees, making it a cost-effective choice for growing businesses. Support is provided via email and phone, backed by a comprehensive documentation site and developer guides.

Pros & Cons

Pros
  • No monthly fees or lock-in contracts make it accessible for small businesses.
  • Transparent transaction-based pricing with no hidden setup costs.
  • Strong integration ecosystem with popular platforms like Xero, Shopify, and WooCommerce.
  • Supports foreign currency transactions to help businesses sell internationally.
  • Responsive local support team available via email and phone.
Cons
  • Availability is strictly limited to businesses based in Australia and New Zealand.
  • Does not offer a native mobile point-of-sale application for physical retail.
  • Custom pricing is only available for high-volume merchants processing over $30,000 per month.
  • Dispute administration fees apply if a chargeback is lost.

Features

Key features

Payment Gateway

Provides an end-to-end solution for processing domestic and international card transactions.

Recurring Payments

Supports subscription-based billing and automated payment plans for recurring revenue.

Payment Page

Offers a secure, hosted payment page that merchants can share with customers to collect payments.

Foreign Currency Support

Allows businesses to bill overseas customers in their local currency.

Platform Payments

Provides a single API for platforms to embed payment features and onboard customer accounts.

Additional features

Dashboard Management

Enables merchants to process and refund payments directly from a centralized dashboard.

Xero Integration

Automates invoice reconciliation for Xero users.

API Access

Offers modern APIs for developers to build custom payment integrations.

Fraud Management

Includes built-in risk management tools to protect against unauthorized transactions.

Virtual Terminal

Allows manual entry of card payments for phone or mail orders.

Dispute Management

Provides tools to manage and contest chargebacks.

Automated Payouts

Settles funds directly to the merchant's bank account.

Pricing

Free trial
Free version
Request a quote
Promo Offer

Monthly plans

Standard
Custom
contact sales for pricing

1.6% + 30c per domestic transaction; 3.4% + 30c per international transaction.

Source: vendor pricing page →

Countries & Languages

Global
Countries served
10
Interface languages
5
Billing currencies

Interface languages

EnglishSpanishFrenchGermanItalianDutchPortugueseRussianJapaneseChinese

Billing currencies

🇦🇺AUD🇺🇸USD🇪🇺EUR🇬🇧GBP🇳🇿NZD

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