Pin Payments
Pin Payments is an online payment service for small and medium businesses and software platforms in Australia and New Zealand.
What Pin Payments is
Pin Payments is an online payment service for small and medium businesses and software platforms in Australia and New Zealand. It offers web, iOS, and API access, with one-time, recurring, and split payments. Merchants can accept major card brands, Apple Pay, and Google Pay, plus payment links and in-person payments. Recurring plans support subscription renewals, trials, cancellations, and instalments. Integrations include Shopify, WooCommerce, Adobe Commerce, Xero, and Chargebee. The Xero connection handles online invoice payments and bank-feed reconciliation. Pin Payments says card information is encrypted, isolated, and represented internally by token; Hosted Fields lets a website accept payments without handling card data. Its HTTPS API provides test and live environments, and test activity does not create real charges or transfers. The service identifies itself as a PCI DSS Level 1 Service Provider and says audits are performed periodically. Listed domestic-card pricing is A$1.63 per transaction, while international-card transactions are A$3.43 per transaction.
Good
- Supports one-time, recurring, and split payments
- Accepts cards, Apple Pay, and Google Pay
- Provides test and live API environments
- Offers Hosted Fields for card-data separation
- Includes Shopify, WooCommerce, and Xero integrations
Watch out
- Availability is limited to Australia and New Zealand
- Transaction charges apply on the free plan
- Foreign-currency AUD settlement adds a 1.7% conversion fee
Who it suits
Pin Payments suits Australian and New Zealand businesses or software platforms needing online, recurring, split, payment-link, or in-person payments. It also fits merchants using the listed commerce and accounting integrations.
Verdict
Pin Payments combines payment methods, recurring billing, integrations, and API tooling for eligible businesses. Its free plan still charges per transaction, and availability is restricted to Australia and New Zealand.
Plans and prices
From Pin Payments's own pricing page, checked 3 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Domestic transactions — domestic cards | A$1.63, paid once | No lock-in contracts · All features included · per transaction |
| Domestic transactions — international cards | A$3.43, paid once | No lock-in contracts · All features included · per transaction |
| Foreign currency transactions — AUD settlement | A$3.43, paid once | Foreign currency transactions converted to AUD · per transaction; 1.7% conversion fee |
| Foreign settlement | A$3.93, paid once | Contact Pin Payments about foreign settlement options in New Zealand · per transaction; no conversion fee |
| Custom | Priced on request | Custom pricing · Contact Pin Payments for custom pricing when processing over $30,000 a month |
The facts
Each one read from Pin Payments's own pages, with the date it was checked.
What it does
- API
- The API uses HTTPS and supports live and test environments; the test API does not create real charges or bank transfers.checked 3 Oct 2026
- Availability
- Pin Payments is currently available only to businesses in Australia and New Zealand.checked 3 Oct 2026
- Card data
- The security page says card information is encrypted, stored in an isolated system and referenced internally by token.checked 3 Oct 2026
- Hosted Fields
- Hosted Fields lets businesses accept payments without their website handling card data, helping minimize PCI requirements.checked 3 Oct 2026
- Integrations
- The integrations directory includes Shopify, WooCommerce, Adobe Commerce, Xero and Chargebee.checked 3 Oct 2026
- Payment methods
- Payment options include major card brands, Apple Pay and Google Pay.checked 3 Oct 2026
- Payments
- The product supports one-time, recurring and split payments for platform businesses.checked 3 Oct 2026
- Product
- Pin Payments provides an online payment solution for small to medium businesses and software platforms.checked 3 Oct 2026
- Security
- Pin Payments says it is a PCI DSS Level 1 Service Provider and undergoes periodic internal and third-party security audits.checked 3 Oct 2026
- Settlement
- The integrations page says merchants get paid with two business day settlement.checked 3 Oct 2026
- Support
- Pin Payments offers support by email or phone through its Melbourne support team.checked 3 Oct 2026
- Xero
- Pin Payments offers a direct Xero integration for online invoice payments and a bank feed for reconciliation.checked 3 Oct 2026
The company
- Company
- Pin Payments says it was founded in 2011 and lists its registered business address in Melbourne, Australia.checked 3 Oct 2026
- Founded
- 2011checked 28 Sep 2026
- Headquarters
- Melbourne, Victoria, Australiachecked 28 Sep 2026
Money
- Recurring billing
- Merchants can set automatic subscription renewals, trials, cancellations and payment instalments through recurring payment plans.checked 3 Oct 2026
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- 1
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