Pin Payments

What Pin Payments is

Pin Payments provides online payment processing for small to medium businesses and software platforms. Businesses can accept one-time, recurring, and split payments, with payment options that include major card brands, Apple Pay, and Google Pay. Payment links and in-person payments are supported. Recurring payment plans can manage subscription renewals, trials, cancellations, and instalments. The service is available to businesses in Australia and New Zealand, with web and iOS access and an API.

The integrations directory includes Shopify, WooCommerce, Adobe Commerce, Xero, and Chargebee. A direct Xero integration supports online invoice payments and a bank feed for reconciliation. The API uses HTTPS and has live and test environments; test API activity does not create real charges or bank transfers. Pin Payments says card information is encrypted, kept in an isolated system, and referenced internally by token. Hosted Fields lets businesses accept payments without their websites handling card data. The free plan has per-transaction charges: A$1.63 per domestic-card transaction and A$3.43 per international-card transaction. Other listed rates vary by currency and settlement option. Pin Payments was founded in 2011 and lists Melbourne, Victoria, Australia as its headquarters.

Who it suits

Pin Payments suits businesses in Australia and New Zealand that need online, recurring, split, payment-link, or in-person payments. It also fits software platforms that need payment processing through an API and merchants using listed commerce or accounting integrations.

Limits

The free plan charges A$1.63 per domestic-card transaction and A$3.43 per international-card transaction. Foreign-currency transactions settled in AUD cost A$3.43 per transaction plus a 1.7% conversion fee; foreign settlement is A$3.93 per transaction with no conversion fee.

Getting started

1. Visit https://pinpayments.com/.
2. Use web or iOS access, or connect through the API.
3. Choose the live API environment for real payment activity or the test environment for activity that does not create real charges or transfers.
4. Select the transaction and settlement option that applies to your payments.

Verdict

Choose Pin Payments if your business is in Australia or New Zealand and needs online payment processing, recurring billing, or platform payments. Review the transaction rate for your card and settlement type; foreign-currency AUD settlement also carries a 1.7% conversion fee.