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Pin Payments

4.56 out of 5 stars
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 2 business day settlement and process a charge on Monday, these funds will be transferred to your bank account on Wednesday.

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

Explore all features of Pin Payments

Pin Payments + Xero

Give your customers the option to pay your Xero invoices online with their debit or credit card. Once your customer pays your Xero invoice, it will be marked as “paid” – so you don’t have to chase for payment updates.

Are you worried about processing fees eating into your margin? Use our surcharge feature to pass on card processing fees to your customer.

Reviews & ratings

4.6 out of 5 stars
25 Reviews
5 star(81%)
4 star(6%)
3 star(6%)
2 star(0%)
1 star(6%)
Euan Kennedy
5 out of 5 stars
Works well for us.
Joyce Genis
5 out of 5 stars
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
5 out of 5 stars
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


Australia, New Zealand




Setup walkthrough


4-488 7052


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.