Pin Payments Australia Payment API
Pin Payments Australia REST API for merchants in Australia and New Zealand to accept credit cards, EFTPOS, and local payment methods with customer tokenization, subscription billing, marketplace split payments, and fraud protection. Enables AI agents to manage payment charge creation and processing for Australian e-commerce automation, handle customer card tokenization for secure payment storage automation, access subscription and recurring plan management for subscription revenue automation, retrieve refund processing and balance management for order management automation, manage marketplace transfers and recipient management for platform payment automation, handle webhook notification for real-time payment event automation, access multi-currency charge for international customer billing automation, retrieve transaction search and reporting for financial reconciliation automation, manage payment event and balance history for accounting automation, and integrate Pin Payments with WooCommerce, Shopify, and Australian business systems for end-to-end Australia/NZ payment automation.
Score Breakdown
⚙ Agent Friendliness
🔒 Security
Australia/NZ payments. PCI-DSS. API key. AU. Payment and customer data.
⚡ Reliability
Best When
An Australian or NZ merchant wanting AI agents to automate card payment processing, customer tokenization, subscription billing, and marketplace split payments through Pin Payments' developer-friendly Australia/NZ payment platform.
Avoid When
AUD-CENTRIC PLATFORM WITH LIMITED GLOBAL ACQUIRING: Pin Payments primarily acquires in AUD and NZD; automated global multi-currency business requires supplementing with international payment gateway; automated AUD-only processing for international customer base creates currency conversion friction. PAYOUT SCHEDULE IS WEEKLY — NOT REAL-TIME: Pin Payments merchant settlement is weekly (by default); automated cash flow dependent workflows must account for weekly payout cadence; automated daily cash reconciliation for weekly-settling Pin Payments creates daily reporting with weekly actual fund availability. MARKETPLACE RECIPIENT VERIFICATION FOR PAYOUTS: Pin Payments marketplace transfers require verified recipient accounts with Australian bank accounts; automated platform payout workflow must complete recipient onboarding verification; automated payout to unverified recipient creates payout failure or hold.
Use Cases
- • Processing Australian card payments from e-commerce billing agents
- • Managing subscription billing from Australian SaaS agents
- • Splitting marketplace payments from platform payment agents
- • Tokenizing customer cards from secure billing agents
Not For
- • Global multi-currency payment orchestration (use Stripe or Adyen for global)
- • Enterprise high-volume payment processing (use Worldpay or CyberSource for enterprise)
- • BNPL and buy-now-pay-later (use Afterpay or Zip for BNPL in Australia)
Interface
Authentication
Pin Payments uses API key (Secret/Publishable key pair) for authentication. REST API with JSON. Sydney, Australia HQ. Founded 2012 by Grant Bissett and Chris Dwan. Bootstrapped/profitable. Products: Card processing, customer tokenization, subscription billing, marketplace payments, multi-currency. SDKs: Ruby, PHP, Python, JavaScript, Java. PCI DSS. Serves Australian and NZ merchants. Competes with Stripe and Braintree for developer-friendly Australia/NZ payments.
Pricing
Sydney AU. Bootstrapped. No monthly fee. Per-transaction fees. Transparent pricing.
Agent Metadata
Known Gotchas
- ⚠ SECRET KEY vs PUBLISHABLE KEY USE: Pin Payments uses Secret key for server-side operations and Publishable key for client-side tokenization; automated integration must use correct key per context; automated server-side publishable key usage creates unauthorized operation error; automated client-side secret key exposure creates security vulnerability
- ⚠ CHARGE TOKEN vs CUSTOMER TOKEN vs CARD TOKEN: Pin Payments uses different token types for charges (one-time), customers (stored profile), and cards (within customer profile); automated payment workflow must use correct token type; automated reuse of charge token for recurring billing creates token type mismatch error
- ⚠ REFUND PARTIAL vs FULL REFUND AMOUNT SPECIFICATION: Pin Payments refunds can be full (no amount specified) or partial (amount specified); automated refund workflow must explicitly set refund amount for partial refunds; automated full refund using explicit full amount creates redundant but valid refund; automated omission of amount creates full refund regardless of intended partial amount
- ⚠ MARKETPLACE TRANSFER TIMING AFTER SETTLEMENT: Pin Payments marketplace transfers to recipients require settled funds; automated marketplace payout after charge must wait for settlement before initiating transfer; automated immediate transfer after charge creates transfer from unsettled balance error
- ⚠ WEBHOOK EVENT ORDERING NOT GUARANTEED: Pin Payments webhook events may arrive out of order or be retried; automated payment state machine must be idempotent for duplicate webhook events; automated state transition on duplicate event creates double-processing without idempotency check
Alternatives
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Scores are editorial opinions as of 2026-03-07.