Best Payment Gateways for WooCommerce in Australia


Updated 11/06/2022

There are many ways to accept credit/debit card payments in your online shop, either directly on your website (not recommended unless you aim to be PCI compliant) or through a 3rd party provider that acts as a Payment Gateway. We review here the best Payment Gateways for WooCommerce stores in Australia.

What is a Payment Gateway?

Payment Gateways are online service providers that take credit and debit card payments. Some also take payments from electronic wallets like PayPal and Apple Pay. And “Buy now pay later” options such as Afterpay are getting more an more popular.

With these providers, credit/debit card details never transit through your website so you don’t need to worry too much about PCI Compliance.

Credit/Debit card payments are temporarily stored on a Merchant Account, usually provided by the Payment Gateway. After a few days, these payments are transferred to the business bank account.

Compatible with WooCommerce

There are numerous Payment Gateways available for the Australian market but only some of them can be integrated with a WooCommerce online store on a WordPress website. The full list is available on the WooCommerce website.

For Australian consumers

The payment gateways listed in the table below are the most common ones for small businesses and small not-for-profit organisations selling to the Australian market.

Our criteria

We mostly evaluated the WordPress plugin (software) that integrates WooCommerce to the Payment Gateway, rather than the Gateway itself.

  • Good support (from experience and educated guess)
  • Likely life span
  • Price (the most popular are free)

We looked at the pricing for single transactions. A large store with a high volume of monthly transactions would get better rates but this article specifically targets small businesses and not-for-profit organisations.

WooCommerce now offers by default its own payment solution called WooCommerce Payments. It’s built on Stripe and it may charge an extra foreign exchange fee so we don’t think it’s worth at the moment.

Best Payment Gateways for WooCommerce stores in Australia

By Jean Werk
Transaction fees1.7% + 30c (domestic cards)
3.5% + 30c (international cards)
2.2%2.6% + 30c (domestic cards)
3.6% + 30c (international cards)
1.5% + 25c
Payment settlement2 days1-2 days3-5 days3 days
Save credit cardYYN/AY
Apple PayYYY?Y
Buy now pay laterAfterpay
AfterpayPayPal Pay in 4N
Phone supportYYYY


Best for professionals and online businesses


  • Easy to manage
  • Packed with features
  • Free basic fraud detection
  • Credit card readers
  • Potential discount for not-for-profit organisations


  • Can’t think of any!



Best for shops and not-for-profits that take in-person card payments


  • Integration with Square POS (free)
  • More and more popular in Australia
  • Supports WooCommerce Subscriptions


  • Limited and un-reliable synchronisation with POS (Point-of-Sale)
  • POS requires proprietary card reader (from $59)



Set up PayPal as a secondary payment method only


  • Trusted company
  • Many Australians have a PayPal account
  • Onsite payment method possible directly from Product or Cart pages


  • Lengthy process to register as a merchant (even longer for NFP)
  • Difficult to deal with PayPal bureaucracy
  • Outdated and buggy user interface for merchants
  • May block payments without notice
  • Offsite payment method occasionally breaks
  • Onsite payment method is not available on Checkout page



Alternative solution to Stripe and Square


  • Originally an Australian company, now part of Global Payments
  • Established for more than 20 years
  • Doesn’t seem to restrict any type of products and services sold


  • Merchant portal looks very old (in 2020, not tested recently)


Need help?

If you need advice to select and/or set up your Payment Gateway, please contact us.

By Jean Werk