Simplify your business and get paid faster.

An Australian payment gateway acts as the secure digital bridge between a business and the banking network. It validates customer card details, authorises funds, and securely routes money from the customer's bank to the merchant's account—whether the sale happens online, in-store, or over the phone.

The process happens in seconds using a secure four-step flow:

• Tokenisation: First, PayChoice instantly replaces sensitive card data with a secure, unique token so the actual details are never stored or exposed.

• Encryption: This token and the transaction data are encrypted to bank-grade standards for safe transmission.

• Charge: PayChoice processes the charge by communicating with the customer's bank to confirm funds and authorise the payment.

• Settlement: Once approved, the transaction is finalised, and PayChoice routes the funds directly to the business account.

PayChoice consolidates all major payment types into one platform:

• Cards: Visa, Mastercard, and major credit/debit cards.

• Direct Debit: Automated processing for recurring bank transfers.

• Local Options: BPAY and Australian-specific payment methods.

• In-Person: Integration with EFTPOS terminals for physical retail.

PayChoice combines enterprise-level tech with local service:

• Keep More Revenue: PayChoice offers some of the most competitive transaction fees in Australia.

• Local Support: The PayChoice support team is based entirely in Australia—providing same-day assistance without offshore call centres.

• Flexibility: Businesses can accept payments online, in-app, or in-person seamlessly.

• Free Integration: PayChoice integrates with most eCommerce platforms. If a plugin does not exist for specific software, PayChoice will build a custom integration at no extra cost.

PayChoice prioritises business cash flow. While traditional banks can take days, PayChoice offers same-day settlement for eligible real-time payments. For standard card and Direct Debit transactions, PayChoice settles faster than most major competitors to ensure funds are available when needed.

Yes. Security is the core product. PayChoice is a PCI DSS Tier 1 compliant provider—the highest level of security certification available in the payments industry. PayChoice handles all compliance requirements, ensuring customer data is safe without adding administrative burden to the business.

Absolutely. PayChoice is a leader in recurring revenue. The automated Direct Debit system is designed for gyms, SaaS companies, and subscription boxes. It handles retries for failed payments automatically, reducing churn and guaranteeing steady cash flow without manual invoicing.

PayChoice operates with transparency and flexibility. There are no lock-in contracts and no hidden setup fees for standard accounts. PayChoice believes businesses should stay because they value the service, not because they are trapped in a long-term agreement.

Yes. PayChoice understands the importance of seamless reconciliation for Australian businesses. The platform provides detailed transaction reporting that can be easily exported for use with major accounting software, including Xero and MYOB, streamlining end-of-month reporting.