1. Discover
  2. Payments
Pin Payments allows you to accept debit and credit card payments in local or foreign currencies, no gateway or merchant account required.


Pin Payments offer competitive pricing with no hidden fees or monthly costs. A simple transaction fee means you only pay when you are paid.

See pricing

When do I receive my funds?

Funds will be transferred to your bank account on a daily basis, according to your settlement.

For example, if you have a 3 business day settlement and process a charge on Monday, these funds will be transferred to your bank account on Thursday.

Settlement for foreign currency charges require an additional 2 business days.

Explore all features of Pin Payments

Pin Payments + Xero

Provide your customers the option of paying Xero invoices online with their debit or credit card. This benefits your customers through providing more options to pay, and benefits your business by getting invoices paid faster.

After your customer completes successful payment the status of your invoice in Xero will be updated to paid. Additionally, a surcharge feature is included to provide the option to pass on card processing fees to your customer.

Reviews & ratings

25 Reviews
5 star
4 star
3 star
2 star
1 star
Euan Kennedy
Works well for us.
Joyce Genis
Love integrating PinPayments with Xero. Really takes the hassle out of chasing money and gives the end customer the ability to pay then and there with their credit card. And also gives us the ability to take payments then and there. I chose these guys for their excellent support, over their competitors such as eway for example. In addition, I believe they are making it easier now to account for PinPayment fees than opposed to doing a minor adjustment on that xero invoice to remove the PinPayments fee. Keep up the excellent work PinPayments! DigiCloud
Steven Mallows
Best payment provider we have ever used! Seamless integration with Xero and allows us to take both Australian and International payments seamlessly! Saved us a lot of pain.
Additional info

App details

Added in 2014






Setup walkthrough


1300 364 800


Although Xero reviews each app in the Xero App Store, we can’t give any guarantees. It’s up to you to assess the performance, quality and suitability of any app before going ahead.