Checkout that converts, payments that settle instantly
Azupay gives ecommerce and retailer brands a Pay by Bank experience that’s cheaper than cards, more reliable than direct debit, and built for the way customers shop today.
Trusted by leading Australian platforms and enterprises
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The challenges in eCommerce and retail
Rising costs, failed payments, and complex operations erode margin and momentum. Customers expect instant, seamless experiences, but legacy rails slow every transaction.
What’s holding eCommerce and retailers back?
- Checkout friction causing high abandonment and lost revenue.
- Escalating card scheme and BNPL fees cutting into margins.
- Fraud, disputes, and chargebacks increasing operational risk.
- Slow settlement cycles impacting inventory and cash flow.
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Heavy reconciliation workloads slowing finance and store operations.
How Azupay changes the game
We make PayID and PayTo work at enterprise scale, reducing cost, failure, and friction across every checkout.
Reduce payment costs
Lower fees on high-value items by avoiding card and BNPL commissions.
Boost conversion
Fast, reliable Pay by Bank checkout that reduces failed and abandoned payments.
Reduce fraud and chargebacks
Fewer disputes and less operational overhead from risky or unauthorised payments.
Improve cashflow
Real-time settlement, 24/7, with no banking delays or finance backlogs.
How it works
Request
Trigger a payment request from checkout, an invoice, or a payment link.
Approve
Customer approves in their banking app. Simple, secure, no card needed.
Receive
Payment confirmed instantly. Funds land in your account, reconciled with rich data.
Why enterprises choose Azupay
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Plug-and-play integration with leading POS systems and ecommerce platforms.
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Instant refunds. Perfect for fast, frictionless retail returns.
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Lower payment costs on high-volume and high-value retail transactions.
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Strong fraud protection with account verification and PayTo safeguards.
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Real-time settlement and visibility, 24/7.
Proof that Azupay boosts performance
Azupay improves conversion with a smoother checkout, lowers acceptance costs on high-value sales, and keeps cash flowing with instant settlement.
The rapid growth of Australia’s real-time payment rails shows why retailers are shifting to real-time payments.
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NPP moves A$7B daily, growing 22% YoY.
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128M+ accounts ready for PayID and PayTo.
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Over one-third of A2A payments now run on NPP.
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Real-time settlement cuts delays and simplifies reconciliation.
Real outcomes. Trusted stories.
“Implementing Azupay’s PayID solution has solved our payments challenges by giving our users the ability to instantly contribute to their savings and to withdraw to their bank accounts as and when they need it. It’s now our most popular transfer type as customers are accustomed to using this method. We’ve seen a significant decrease of first funding time since the launch of PayID to the Blossom App.”
Azupay’s combined PayID and PayTo interface, including passkey verification, allows us to offer instant bank payments with a fast and seamless return payment experience. PayID and PayTo are an essential component of our overall payment mix that combine simplicity and familiarity of use for our customers with technical reliability and payment certainty for us.
Working with Azupay has allowed us to modernise the way Australian universities handle payments. The ability to offer PayID and PayTo in a real-time, fully reconciled way is a game-changer for institutions and students alike. It has streamlined operational processes and lifted the student experience.”
So refreshing to deal with a company providing high tech solutions who have such a personal touch to the interactions. It flows through all team members which is testament to the culture of the Azupay business.
Proof your business needs
2M+
Australians already using Azupay-powered
experiences and growing
90%
Customer conversion at checkout*
150M
NPP transactions a
month^
28M
PayID registrations nationwide^
*Source: Azupay, September 2025 of Airline and Travel Industry |
^Source: AP+ data, August 2025 and RBA payments data
Where Azupay delivers impact
From retail to travel, insurance to government, we help enterprises cut costs, reduce failures, and get paid faster.
Travel and airlines
Improved checkout conversion with real-time settlement; instant and reliable refunds.
Learn more
Insurance and financial services
Payments modernisation made easy. Instant claims payouts with identity and account checks built
Learn more
Government and utilities
Increase back-office efficiency and customer experience. Immediate confirmation; transparent audit trails that
Learn more
eCommerce and retail
Instant payments that keep customers shopping At a glance: what you can do
Learn more
Gaming
Frictionless pay-ins and instant, compliant payouts. Give players a fast, trusted experience
Learn more
See what you’ll save
Discover how Azupay cuts costs
compared to cards, BNPL, EFT, and cheques.
Plan your integration
Speak with our team to map out the fastest way to go live – direct or via a partner platform.
Explore more ways to pay with Azupay
Receive payments
Get paid instantly with a simple Pay by Bank experience. Use PayID and PayTo to collect from customers in real time. Cheaper than cards, more reliable than EFT, and easier to reconcile.
Pull payments
Go beyond direct debit. Power subscriptions, instalments, and top-ups. Flexible agreements that reduce failures and keep customers in control.
Send payments
Issue funds instantly, whether you’re issuing refunds, claims, or payouts. Complete with account verification and compliance built in for peace of mind.