Pin Payments

Overview

Founded in 2012 and headquartered in Melbourne, Pin Payments is a developer payment API provider for the Australian and New Zealand markets. Built around a simple REST API, Pin Payments lets developers integrate card acquiring in as little as 10 minutes with flat pricing of 2.5% + $0.30 per transaction and transparent, no-hidden-fee pricing.

Pin Payments covers card acquiring across Australia and New Zealand, supporting Visa, Mastercard and Amex, along with subscriptions (recurring billing), refund management and multi-currency settlement. Compared with global platforms such as Stripe, Pin Payments stands out by focusing on the AU/NZ market, simple pricing and developer-friendly documentation - a common choice for local payment integration. See online payment integration guide.

Key Strengths

• Flat Pricing of 2.5% + $0.30: One flat rate across all transaction bands with no monthly or hidden fees, keeping long-term costs predictable for SMBs.
• 10-Minute Integration: Simple REST API, complete documentation and SDKs in multiple languages let developers ship payments fast.
• AU/NZ Local Acquiring: Card acquiring across 2 markets (Australia and New Zealand) with local settlement reduces cross-border fees, suiting AU/NZ-focused businesses.
• Subscription Billing: Native recurring billing (Subscriptions) with cycles from 2 weeks to 1 year suits SaaS and membership products. See subscription billing best practices.
• PCI DSS Compliance: Hosted payment pages and tokenization keep card data at 0 storage on merchant systems, reducing PCI scope. See payment gateway sandbox testing.

Product Ecosystem

Card Acquiring API

Pin Payments provides a core card acquiring API supporting one-off and recurring payments across Visa, Mastercard and Amex, integrable via hosted payment pages or custom forms.

Subscriptions & Recurring Billing

Subscription management for SaaS and membership businesses, supporting auto-renewal, cycle changes and refunds to reduce manual reconciliation. See subscription billing best practices.

Multi-Currency Settlement

Settlement and reconciliation in AUD, NZD and other currencies, together with refund APIs, build a complete payment operations loop.

Limitations

• Limited Market Coverage: Mainly serves Australia and New Zealand with limited international acquiring and global payment methods, unsuitable for global collection.
• Single Payment Method Focus: Primarily card-based with fewer local payment methods, covering users who prefer bank transfers or digital wallets poorly.
• Offline Requires Third Parties: No standalone POS terminal offering; offline acquiring needs third-party terminals or gateways.

Use Cases

• AU/NZ E-commerce Collection (★★★★★): Local card acquiring and settlement suit e-commerce targeting Australian and New Zealand consumers.
• SaaS Subscription Billing （★★★★☆）: Native subscription API suits membership and subscription products. See subscription billing best practices.
• Fast Developer Integration （★★★★☆）: Simple API and documentation suit technical teams shipping payments quickly.
• Global Acquiring （★★★☆☆）: International coverage is limited; global businesses should choose Stripe and similar platforms.

Pricing

Note: Reference rates only; actual quotes prevail. For more comparisons see payment gateway rate comparison.

FAQ

• What is Pin Payments? Pin Payments is a developer payment API provider founded in 2012 and headquartered in Melbourne, Australia, offering card acquiring and subscriptions for the AU/NZ market at a flat rate of 2.5% + $0.30; see Cross-border Payment Platform Comparison.

• Is Pin Payments suitable for Chinese sellers? Businesses selling to Australian or New Zealand consumers can use Pin Payments, but international card rates are higher and it does not cover the Chinese market; e-commerce targeting China should use Alipay or WeChat Pay.

• Pin Payments vs Stripe - which to choose? If your business focuses on the AU/NZ market with simple, transparent pricing, Pin Payments fits well; for global payment method coverage and a richer developer ecosystem, Stripe is usually superior. See cross-border payment platform comparison.

• Does Pin Payments support subscriptions? Yes. Pin Payments natively provides a subscription API with auto-renewal, cycle changes and refunds, suiting SaaS and membership businesses. See subscription billing best practices.