Payment methods by country · Payment methods
How do Australians pay online?
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Australians pay online mostly by card. eftpos is Australia's local debit network, and Stripe says more than 90% of eftpos cards also carry Visa or Mastercard, so they work online; eftpos-only cards don't. Buy now, pay later is popular: Afterpay splits purchases into instalments and Zip is another local option. PayTo lets shoppers approve one-time or recurring bank payments in their banking app, and BECS Direct Debit covers repeat billing.
- Currency
- Australian dollar (AUD)
- Local debit network
- eftpos: over 90% co-branded with Visa or Mastercard
- Bank payments
- PayTo (real-time), BECS Direct Debit
- Buy now, pay later
- Afterpay, Zip, Klarna
- PlatformDTC offers
- Cards, Apple Pay, Google Pay, PayPal, Klarna, Afterpay
What PlatformDTC does
PlatformDTC checkout offers Australian shoppers cards, Apple Pay, Google Pay and PayPal in Australian dollars. Stores with an Australian Stripe account also get Klarna and Afterpay on one-time orders from A$1 to A$4,000. PayTo, BECS Direct Debit and Zip are not offered today.
eftpos and least-cost routing
Stripe processes co-branded eftpos cards over eftpos or over Visa or Mastercard, following Australia's least-cost routing rules and the type of transaction. eftpos works with Apple Pay on Stripe when the charge is in Australian dollars.
Bank payments and pay later
With PayTo the shopper approves a mandate in their banking app and the store usually hears the final result within 60 seconds. BECS Direct Debit takes up to 2 business days to confirm. Zip pays the store upfront and collects from the shopper; on Stripe it is invite-only in the US.
Frequently asked questions
- Do eftpos-only cards work online?
- No. Stripe says proprietary eftpos-only cards support in-person payments only.
- Can a US store offer Afterpay to Australians?
- No. Afterpay and Klarna in Australia need the store's Stripe account in Australia and the shopper in Australia, charged in AUD.
Sources
- eftpos Australia — Stripe
- PayTo payments — Stripe
- Australia BECS Direct Debit payments — Stripe
- Zip payments — Stripe
- Afterpay and Clearpay payments — Stripe
- Payment method support — Stripe
Related
- New Zealand — Cards and wallets, Afterpay and Klarna pay later, and BECS direct debit from NZ bank accounts.
- Singapore — Cards and wallets, PayNow instant transfers from bank apps, and the GrabPay wallet.
- India — UPI real-time bank payments from any banking or wallet app, alongside cards.
- Malaysia — FPX online banking payments run by PayNet, the GrabPay wallet, and cards.
- Thailand — PromptPay QR payments from any Thai bank app, plus cards.
- Indonesia — QRIS, Bank Indonesia's single national QR code, and e-wallets such as GoPay.