Flexible Global Settlement
Move your collected AUD back to your home operations — your way.
Enable your global business to accept BPAY and PayID — the native, risk-free payment networks trusted by every Australian consumer and natively supported by 100% of Australian banks.
Payment Sent
to LocalPay
Melbourne Cafe • AUD $42.50
99.9% Australian Bank Coverage • Natively Connected to Australia's New Payments Platform (NPP) & BPAY Registry
Why traditional credit cards fail to capture high-value Australian commerce.
Over 80% of Australians use BPAY to pay monthly rent and residential mortgages. If your platform handles recurring subscriptions, invoicing, or high-value B2B payments, BPAY is the expected standard.
Power, water, insurance, and internet — almost all household utility invoices are processed natively through BPAY Customer Reference Numbers (CRNs).
Even the Australian Taxation Office (ATO) prefers BPAY and PayID payments over high-fee credit card transactions. Government and institutional payments follow the same rails.
If your business doesn't offer native push payments, you're missing out on how Australians are culturally trained to pay.
Structurally eliminate fraud, chargebacks, and payment friction.
BPAY and PayID are "push" payments, authorised securely inside the customer's bank. No card numbers exposed — disputes are structurally eliminated.
Integrated natively into every Australian banking app. No consumer signups, downloads, or onboarding required. Your customers already have it.
Bypass expensive international merchant markups, cross-border card-interchange fees, and high dispute costs. Predictable, low pricing.
Accept thousands in single payments without fraud flags or daily card limits. Ideal for SaaS, wholesale, B2B, and luxury retail.
| Feature | Credit Cards & Legacy Networks | LocalPay (BPAY & PayID) |
|---|---|---|
| Chargeback Risk | High (Up to 180 days post-purchase) | 0% Guaranteed (Irrevocable push-payments) |
| Fraud & Identity Theft | High (Exposed card details & skimmed keys) | Virtually Non-existent (Authorised inside banking app) |
| Transaction Fees | High (Percentage-based + International markups) | Low, predictable pricing (Saves thousands monthly) |
| Transaction Limits | Low daily card-issuer restrictions | Ultra-high limits (Ideal for enterprise/wholesale/SaaS) |
| Settlement Speeds | Standard bank batching cycles | Instant (PayID) or Next Business Day (BPAY) |
Built for platforms, marketplace software, and custom checkout flows. Comprehensive webhooks, sandbox testing, and detailed documentation.
RESTful • JSON • WebhooksFast checkout integration with pre-built modules for Shopify, WooCommerce, Magento, and standard hosted redirect paths.
Plug & Play • Hosted • No-CodeSee exactly how your Australian customers will pay — in real time.
LocalPay has created a single-use PayID for this transaction:
AUD $648.00
Confirm payment to:
LocalPay
AUD $648.00
Reference: checkout-1082
Funds settled instantly via NPP. The merchant has been notified.
Use these details in your Australian banking app:
982312
901 234 567
982312
901 234 567
AUD $2,535.00
BPAY settlement queued for next-business-day processing.
Automated reconciliation event generated for the merchant.
Move your collected AUD back to your home operations — your way.
Everything you need to know about accepting Australian payments.
No. LocalPay acts as your local legal and technical gateway, managing compliance and local rails, allowing foreign entities to legally and seamlessly collect Australian Dollars from their users without any local company footprint.
PayID transfers are instantaneous and execute 24/7/365. BPAY settlements are batch-processed and clear reliably on the next banking business day.
Absolutely. LocalPay manages all local AUSTRAC compliance, KYC/AML obligations, and regulatory requirements on behalf of our merchants, ensuring standard-compliant, secure payment processing.
Every transaction generates automated webhook alerts and can be fully monitored through our central API or exported via CSV from our merchant portal.
Speak with an integration specialist to configure your local rails and custom volume pricing.
Your inquiry has been received. An integration expert will reach out to you within 12 business hours.