Business

7 Best International Payment Gateway Providers

Karthik Rajakumar

09.06.25

Read time 6 minutes

Running a business online? You’ll need a way to get paid fast and securely. That’s where a payment gateway comes in. It handles everything from card swipes to online checkouts, so money moves safely from your customer to you. If you're in Australia, top picks like Stripe, PayPal, Square, Adyen, and Braintree make it easy to set up and start collecting payments.

In this blog, you’ll find information about the best payment gateways for Australian businesses. We’ll walk you through their pricing, key features, supported payment types, and list out the pros and cons so you can make an informed decision on which platform suits you best.

Table of contents
7 Best international payment gateway providers in Australia Stripe PayPal Square Airwallex Adyen eWAY Worldpay Set your business up for receiving international payments with Wise

7 Best international payment gateway providers in Australia

Check out some of the best international payment gateway providers catering to Australian businesses.

Stripe

Stripe is a leading global payment processor that handled $1.4 trillion in payments in 2024, a 38% increase from the previous year, representing about 1.3% of global GDP¹. Stripe makes multi-currency payments easier with support in 195 countries, 135+ currencies, and 100+ payment methods. It also offers local setups in 46 markets for smoother transactions².

Stands out for:

Recurring payments: Get paid on repeat with smart auto-charge features.
Customizable API : Plug in exactly what you need and build your own payment flow.
Subscriptions: Handle recurring payments with flexible billing, customer portals, and auto-retries for fails.
Advanced fraud prevention: Security through intelligent detection of fraudulent transactions using machine learning.
Customizable Checkout: You can design and embed a checkout experience that matches your brand's look and feel.

Pricing details	Pros	Cons
Standard fee: 3.4% + $0.50 per standard transaction Cross-border fee: Extra 0.5% for international cards Currency conversion fee: Additional 2% fee if currency conversion is needed³	Easy to use interface. Tons of payment method options. Stripe eco-system caters to various financial needs.	Processing fees can be relatively more than other providers Stripe customization requires developers due to its complex nature.

Stripe international payment gateway ratings [2025]

Capterra⁴: 4.6/5
GetApp⁵: 4.6/5
Gartner⁶: 4.4/5

PayPal

According to a survey⁷conducted in 2024, around 64% of Australian online shoppers had used PayPal in the past six months and holds a 45% share of the global payments market⁸. PayPal, one of the top global payment gateways, is available in over 200 countries⁹ and regions and supports 25 currencies, making it a good choice for businesses everywhere.

Stands out for:

One-touch checkout: Let customers experience an easy checkout process without re-entering their details every time.
In-person payments: Accept payments on the spot with PayPal POS.
Operational efficiency: Simplify business processes with features like invoicing and recurring payments.

Pricing details	Pros	Cons
Standard fee: 3.4% per transaction + fixed fee Cross-border fee: Ranges from a minimum fee of $0.99 to a maximum fee of $4.99. Currency conversion fee: 3% when converting between currencies¹⁰ Note: The fixed fee varies depending on the currency.	PayPal doesn’t charge you monthly; you only pay a fee when you actually make a sale. With its global reach, businesses can tap into a bigger audience. Simple and fast integration.	Small changes in your certain transaction can lead to account freeze for security.

PayPal international payment gateway ratings [2025]:

Capterra¹¹: 4.7/5
GetApp¹²: 4.7/5
Gartner¹³: 4.6/5

Square

Square, a popular payment solution provider, has its third biggest market in Australia, with a 4.58% share of the POS system market¹⁴. It allows businesses to accept payments easily through its POS systems and is known for its user-friendly interface and seamless integration with various payment methods. Square is currently available in eight countries. These include the US, Canada, Australia, Japan, the UK, Ireland, France, and Spain.

Stands out for:

Transparent pricing: Square follows transparent, flat-rate pricing, so businesses can easily budget and avoid surprise fees.
Fast Processing: Square can process chip payments quickly, reducing customer wait times.

Pricing details	Pros	Cons
Online transaction fee: 2.9% + 30¢ per transaction In-person transaction fee: 2.6% + 15¢ per transaction¹⁶ Square doesn’t charge a separate currency conversion fee. Instead, fees vary depending on how the payment is made.	Affordable entry-level options make card payment processing accessible. Set up a free online store and only incur charges through standard processing fees. Accept payments without an internet connection using offline mode.	Great in-person rates, but other fees can add fast. Currently lack of volume discounts, and inactivity might freeze account.

Square international payment gateway ratings [2025]:

Capterra¹⁷: 4.7/5
GetApp¹⁸: 4.5/5
Trustpilot¹⁹: 4.5/5

Airwallex

Forbes Australia²⁰ reported that Airwallex boosted global revenue by 73% and transactions by 60% in 2024. In Asia Pacific, growth was even stronger with an 83% revenue jump and 49% rise in transaction volume since Q3 2023. Founded in Melbourne, this payment gateway organization focuses on simplifying global transactions, managing multi-currency funds, and reducing the complexity of international finance. Airwallex supports 50+ currencies across 130+ countries.

Stands out for:

Competitive exchange rates:
Airwallex helps businesses cut down on conversion costs by offering better-than-bank exchange rates.
Integrations: Airwallex integrates with various accounting, e-commerce, and other business software, making financial processes easy.

Pricing details	Pros	Cons
Domestic transaction fee: 1.65% + $0.30 International transaction fee:3.40% + $0.30 Local payment menthods: $0.30 + Payment method Fee²¹	Fast International Transfers: Airwallex makes sending money across borders super quick. Safety and Compliance: Airwallex follows strict regulations across various countries to keep transactions secure.	Airwallex operates entirely online, so they don’t offer in-person assistance or physical locations for support.

Airwallex international payment gateway ratings [2025]:

Capterra²²: 4.2/5
GetApp²³: 4.2/5
Trustpilot²⁴: 3.5/5

Adyen

Adyen has a 9.17% share²⁵ of the global payment market and operates in nearly 100 countries²⁶. Adyen lets merchants accept payments online through credit cards, debit cards, wire transfers, and real-time bank transfers.

Stands out for:

Unified platform: Adyen gives you a unified platform to handle payments online, on mobile, and in-store.
Mobile SDKs: Adyen provides SDKs for mobile platforms, so developers can easily add payment features to their apps.

Pricing details	Pros	Cons
Adyen²⁷ processing fee is €0.11 for domestic and international transactions. A payment method fee is additional, and it varies from type to type.	No monthly or setup fees: Adyen doesn't charge monthly, setup, or integration fees, making it a cost-effective choice for businesses.	Variable Pricing: Adyen's variable pricing structure can be complicated to navigate for businesses with fluctuating transaction volumes.

Adyen international payment gateway ratings [2025]:

Capterra²⁸: 4.7/5
GetApp²⁹: 4.7/5

eWAY

While eWAY may not hold the position of market leader, it remains one of the top players in Australia’s online payment sector. Small businesses often prefer eWAY as their payment gateway. It's especially popular with companies having 10-50 employees and revenue ranging from $1M to $10M³⁰.

Stands out for:

Pre-authorization: eWay Aalows businesses to hold funds on a customer's card before charging the full amount, providing a more secure transaction process.
Extensive Integrations: Integrates with over 250 e-commerce platforms and software solutions, including WooCommerce, Magento, and OpenCart.

Pricing details	Pro	Con
Way offers a flat rate pricing of 1.5% + 25c per transaction³¹.	Easy to setup: eWay helps you start accepting payments fast with a smooth setup process that takes just a few days. 24/7 customer support: eWAY addresses your queries through phone, live chat, and emaill.	Limited countries supported: eWay mainly supports merchants in countries like Australia, NZ, and Singapore, which can limit its global reach.

eWAY international payment gateway rating [2025]:

Trustpilot³²: 2.2/5

Worldpay

Worldpay has a presence in the Australia market, but it’s not a top player. With a market share of 0.23%, it trails behind big names like PayPal and Stripe in the payment management space³³. Worldpay provides payment services to merchants and financial institutions globally generating 40 billion transactions across 146 countries and 135 currencies³⁴.

Stands out for:

Direct Processor: WorldPay is a direct processor, meaning it can offer lower transaction fees by cutting out the middleman.

Pricing details	Pros	Cons
Worldpay fees vary based on your business type and size. It is typically around 0.30% to 0.50% per transaction³⁵.	Intuitive insights: Worldpay’s reporting tools give businesses a clear view of sales trends, helping them make smarter, data-backed decisions.	Pricing can be confusing and obscure, making it harder for businesses to understand their exact fees upfront. Worldpay often requires long-term contracts, typically three years.

Worldpay international payment gateway rating [2025]:

Capterra³⁶: 4.2/5
GetApp³⁷: 3.4/5

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Set your business up for receiving international payments

Choosing the right payment gateway is key to smooth transactions. And if your business operates globally, having the right business account to receive your payments is just as important. You don’t want to lose money to unfair conversion fees, and let’s be real, those rates might often be manipulated. That’s where Wise Business comes into play.

Wise Business gives you local business account details in 8+ currencies (like USD, EUR, GBP, and AUD), so your international customers can pay you like your business is just down the street. That means faster transfers, fewer conversion fees, and no surprise charges. Plus, once the money lands, you can use it to pay your team, suppliers, or contractor; all from one place.

Expanding a business globally opens up exciting opportunities, but also new challenges like receiving payments across borders. Hidden foreign transaction fees and hefty currency conversions involved with international payments can eat into your profits and time.

Wise Business serves as a cost-effective solution where you can receive money from around the world at the speed and price of local payments.
Transform the way you receive payments with Wise Business:

One-time fee of 65 AUD for local account details in 8+ currencies, including AUD, NZD, USD, and more—no recurring fees
One account to hold, send, and convert money with no hidden fees or exchange rate markups
Create and send professional invoices directly to your customers through Wise Business
Create payment links to request money in specific currencies
Seamlessly receive payments from customers, online sales, or PSPs like Stripe and Amazon.
Wise is safe and secure - Trusted by 13 million people and counting

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This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

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