AU PAYMENTS
Step 1 of 4
What are you building?
Choose the closest match to your project type.
Website
E-commerce or content site with checkout
Mobile app
iOS or Android with in-app or external payments
SaaS / software
Subscription product with recurring billing
Marketplace
Multi-vendor platform, split payments
Booking platform
Appointments, deposits, holds, cancellations
Xero-connected app
Invoice payments, AR automation, Xero sync
In-person / POS
Physical terminal, retail, tap to pay
Embedded finance
Payments as a feature inside your platform
Step 2 of 4
What do you need payments to do?
Select all that apply.
One-off payments
Single transaction checkout
Recurring billing
Subscriptions, plans, auto-renewal
Stored cards
Tokenise card for future charges
Split payments
Payouts to multiple parties
PayTo / direct debit
Bank-to-bank, low-fee debit pulls
Apple / Google Pay
Digital wallet acceptance
Surcharging
Pass card fees to customers
Reconciliation
Settlement reporting, accounting sync
Select all that apply
Step 3 of 4
Who is building it?
This shapes the implementation path we recommend.
Founder / no-code
Non-technical, using builders or platforms
Developer
Writing custom code, API integration
Agency / ISV
Building for a client, need scope and brief
Accountant / bookkeeper
Client payment workflows, AR automation
Step 4 of 4
What matters most to you?
One priority will shape the whole recommendation.
Speed to market
Live in days, not weeks
Lowest fees
Transaction cost is a key business driver
Custom experience
Full control over UX and flow
Enterprise scale
High volume, negotiated rates, dedicated support
Your payment stack
Recommended providers
Integration complexity
Implementation path
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      Go-live checklist