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.

For an Australian business, payment gateways play a critical role in enabling secure card payments while ensuring sensitive payment information is handled in line with local regulations.

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. As a trusted payment processor, PayChoice ensures each transaction fee is clearly tracked without exposing raw card or account data.

• 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 card and debit card options for fast, reliable card payments.

• 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 also supports modern payment option capabilities such as digital wallet transactions through supported integrations.

PayChoice combines enterprise-level tech with local service:

• Keep More Revenue: PayChoice offers some of the most competitive transaction fees in Australia, with clear payment gateway fees and no unnecessary fee surprises.

• 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.

For online payment gateways and in-person transactions alike, PayChoice reduces delays so funds move quickly from customer to merchant.

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.

As a leading payment gateway provider, PayChoice protects all payment information through advanced encryption and compliance controls, removing risk from 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.

Unlike many payment gateway providers, PayChoice automatically retries failed transactions and optimises approval rates without manual intervention.

PayChoice operates with transparency and flexibility. There are no hidden setup fees for standard accounts.

All costs, including payment gateway fees and any applicable transaction fee, are clearly outlined upfront so businesses stay in control.

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.

As both a payment processor and gateway, PayChoice provides detailed reporting across every payment method, making reconciliation simple when exporting data into Xero or MYOB.