How is Pin Payments different to a payment gateway?

Ever since making purchases on the Internet was made possible back in the 1990s, the technology enabling consumers to use their payment cards in this way has been known as an online payment gateway.

What is a payment gateway?

A payment gateway is a software interface that enables a website or application to submit requests to charge a customer’s payment card a particular amount of money.

By itself, a payment gateway cannot process the transaction, an online merchant account is also required. A merchant account is a facility a business will open at a bank or payment processor to accept the requests from a payment gateway to charge their customer’s credit card.

Historically it’s been difficult for small business to be approved for an online merchant account through banking institutions.

Traditional ecommerce


Software vendor
Customer facing software
Payment gateway
Software interface for accepting card payments
Acquiring bank
Provides merchant facilities to receive funds


Making it easier for small business

Rather than requiring a small business to setup and manage accounts with multiple providers, Pin Payments provides a single, simple account that combines both the payment gateway and merchant account.

Being free to setup and maintain, it's a small business friendly solution that provides a number of different ways to accept card payments from your customers online.

With Pin Payments



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Signup is fast and free. No lock-in contracts or monthly fees.

Pin Payments acknowledges the Traditional Owners and Custodians of the Country throughout Australia and recognises their continuing connection to land, water and community.
We pay our respects to Aboriginal and Torres Strait Islander cultures, and to Elders past and present.