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Airwallex Payments

airwallex.com

From $12/mo Free plan WebiOSAndroidAPI
Visit airwallex.com
Spec score 9.4 #2 of 71 in Payment Processing Software

What it is

Airwallex Payments helps businesses accept international payments and settle, convert, and manage funds through its financial platform. Merchants can take cards and more than 160 local payment methods, although availability depends on the merchant entity’s location. Checkout choices include hosted pages, embedded components, payment links, eCommerce plugins, and the Payments API; dedicated iOS and Android SDKs support app checkout. Like-for-like settlement can put funds in the currency charged into an Airwallex Wallet. Payment acceptance tools include smart routing, automatic retries, message optimization, and 3D Secure logic. Real-time fraud evaluation, configurable risk rules, and dispute management are available through the web app or API. Maintained plugins are listed for Shopify, SHOPLINE, WooCommerce, BigCommerce, Magento, PrestaShop, and Salesforce Commerce Cloud. Explore is free per user/month; Grow is $12 per user/month plus a team-size-based platform fee. Processing fees apply to both, including 2.8% + $0.30 for domestic cards and 4.30% + $0.30 for international cards.

Spec sheet

What it does
Airwallex Payments lets businesses collect shopper payments globally and connect acceptance with multi-currency settlement, conversion and financial management.Read 15 Oct 2026 · airwallex.com
Purpose
Airwallex Payments lets businesses accept global shopper payments and settle, convert, and manage funds through its financial platform.Read 30 Sep 2026 · airwallex.com
Integrations
Airwallex-maintained payment plugins are available for Shopify, SHOPLINE, WooCommerce, BigCommerce, Magento, PrestaShop, and Salesforce Commerce Cloud.Read 30 Sep 2026 · airwallex.com
Security
Airwallex’s Trust Center lists PCI DSS, SOC 1, SOC 2, Visa Service Provider, and ISO/IEC 27001 among its compliance areas, and lists PCI DSS Level 1 certification documents.Read 30 Sep 2026 · security.airwallex.com
Support
The pricing page lists help centre articles, FAQs, and email support across the displayed plans; Accelerate also lists a dedicated account manager and onboarding support.Read 30 Sep 2026 · airwallex.com
Headquarters
Singapore and San FranciscoRead 23 Sep 2026 · airwallex.com
Founded
2015Read 23 Sep 2026 · airwallex.com
Airwallex.js
Airwallex.js is a browser JavaScript library distributed through the @airwallex/components-sdk NPM package and includes payment elements such as Card, Split Card, Drop-in, Apple Pay and Google Pay.Read 15 Oct 2026 · airwallex.com
API authentication
API access uses an access token obtained with a client ID and API key from the Airwallex web app.Read 15 Oct 2026 · airwallex.com
API versioning
Airwallex uses date-based API versions so clients can migrate across backward-incompatible changes when ready.Read 15 Oct 2026 · airwallex.com
Authorization optimization
The optimization engine uses smart MCC assignment, retries, ISO message optimization and 3DS logic to improve acceptance.Read 15 Oct 2026 · airwallex.com
Checkout choices
Web integrations range from no-code plugins and hosted pages to checkout elements and a fully custom Payments API.Read 15 Oct 2026 · airwallex.com
Checkout options
Businesses can use hosted checkout, embedded UI components, payment links, eCommerce plugins, or the Payments API.Read 30 Sep 2026 · airwallex.com
Company founders
Crunchbase names Jack Zhang, Jacob Dai, Ki-Lok Wong, Lucy Yueting Liu and Max Li as founders.Read 15 Oct 2026 · crunchbase.com
Company legal name
Crunchbase lists the legal name as Airwallex Limited.Read 15 Oct 2026 · crunchbase.com
Company size
Crunchbase places Airwallex in the 1,001–5,000 employee range.Read 15 Oct 2026 · crunchbase.com
Documentation depth
The documentation site includes product guides, API reference, SDK documentation, webhooks, sandbox instructions, security guidance and troubleshooting references.Read 15 Oct 2026 · airwallex.com
E-commerce integrations
Official documentation names Shopify, WooCommerce and Magento plugins, with pricing pages also listing Xero, QuickBooks, NetSuite and Dynamics 365 Business Central integrations.Read 15 Oct 2026 · airwallex.com
Fraud and disputes
The payments product includes real-time fraud evaluation, configurable risk rules, and dispute management through the web app or API.Read 30 Sep 2026 · airwallex.com
Fraud controls
A real-time fraud engine evaluates transactions, while merchants can customize risk rules and manage disputes in the web app or API.Read 15 Oct 2026 · airwallex.com
Funding news
Airwallex announced a $330 million Series G round at an $8 billion valuation on December 8, 2025, and designated San Francisco as a dual global headquarters with Singapore.Read 15 Oct 2026 · airwallex.com
Global coverage
The product advertises payment acceptance in more than 180 countries with local currencies and payment methods.Read 15 Oct 2026 · airwallex.com
Like-for-like settlement
Settled funds can remain in the currency charged and flow into an Airwallex multi-currency Wallet without forced conversion.Read 15 Oct 2026 · airwallex.com
Limit: Apple app support
Apple reviewers report confusing onboarding, held transfers, restricted accounts and unhelpful copy-paste support responses.Read 15 Oct 2026 · apps.apple.com
Limit: G2 funds handling
A G2 reviewer reported that 152,405 ILS remained unpaid for three months despite previously positive use.Read 15 Oct 2026 · g2.com
Limit: Google Play usability
Google Play reviewers report confusing domestic-transfer labeling, inability to pre-add payees and keyboard bugs when entering account names.Read 15 Oct 2026 · play.google.com
Limit: Trustpilot account restrictions
Trustpilot reviews repeatedly describe payment freezes, delayed funds, slow or generic support replies and difficulty resolving verification issues.Read 15 Oct 2026 · trustpilot.com
Local acquiring
Airwallex supports local acquiring in more than 35 markets to reduce cross-border fees and improve local-card acceptance.Read 15 Oct 2026 · airwallex.com
Mobile
Airwallex offers mobile app checkout using dedicated iOS and Android SDKs.Read 30 Sep 2026 · airwallex.com
Mobile SDKs
Native iOS and Android SDKs are available, with Flutter and React Native wrappers for cross-platform mobile checkout.Read 15 Oct 2026 · airwallex.com
Network tokenization
Network-issued tokens can replace stored card details to improve acceptance and reduce processing costs.Read 15 Oct 2026 · airwallex.com
Notable availability limit
The maker says payment method availability depends on the merchant entity’s location.Read 30 Sep 2026 · airwallex.com
Optimization
Its machine-learning optimization features include smart routing, automatic retries, message optimization, and 3D Secure logic to improve payment acceptance.Read 30 Sep 2026 · airwallex.com
Payment methods
Airwallex says Payments supports Visa and Mastercard plus more than 160 local methods such as Alipay, iDEAL and GrabPay.Read 15 Oct 2026 · airwallex.com
PCI certification
The Trust Center announces renewal of Airwallex's PCI DSS Service Provider Level 1 certification and provides a public certificate download.Read 15 Oct 2026 · security.airwallex.com
Praise: Apple app
An Apple reviewer praises easy wires, clear wallets, strong FX rates and simple contractor payments.Read 15 Oct 2026 · apps.apple.com
Praise: G2 usability
G2 reviewers describe the interface as user-friendly and report smooth payments and supplier transfers.Read 15 Oct 2026 · g2.com
Praise: Trustpilot interface
Trustpilot's review summary says many users find the website and mobile app smooth for business accounts and global payments.Read 15 Oct 2026 · trustpilot.com
Rating on Apple App Store
4.8 out of 5 from 582 ratings.Read 15 Oct 2026 · apps.apple.com
Rating on G2
4.1 out of 5 from 55 reviews.Read 15 Oct 2026 · g2.com
Rating on Google Play
3.9 out of 5 from 1.26K reviews.Read 15 Oct 2026 · play.google.com
Rating on Trustpilot
2.8 out of 5 from 2,584 reviews.Read 15 Oct 2026 · trustpilot.com
Sandbox
A sandbox environment is provided for simulating transactions without moving real money.Read 15 Oct 2026 · airwallex.com
SDK requirements
The beta Node SDK lists Node.js 14.x and TypeScript 4.5x as minimum requirements.Read 15 Oct 2026 · airwallex.com
Security compliance
Airwallex's Trust Center lists PCI DSS, SOC 1 Type 2, SOC 2 Type 2, ISO/IEC 27001, GDPR, DORA and Visa Service Provider compliance materials.Read 15 Oct 2026 · security.airwallex.com
Server SDK
The server-side SDK is currently a beta TypeScript-first Node.js package with typed models, retries, token refresh and custom requests.Read 15 Oct 2026 · airwallex.com
Settlement
Like-for-like settlement lets merchants receive payments into their Airwallex Wallet in the currency charged, avoiding unnecessary conversion to their home currency.Read 30 Sep 2026 · airwallex.com
Target users
The payments page describes use by eCommerce stores, subscription businesses, online marketplaces, and platforms.Read 30 Sep 2026 · airwallex.com

Plans and prices

Explore Free $0 per user/month; monthly pricing Online card and local payment acceptance; payment processing fees apply: domestic cards 2.8% + $0.30, international cards 4.30% + $0.30, local payment methods $0.30 + payment method fee Read 30 Sep 2026 · airwallex.com
Explore Free $0 per user/month Up to 10 free Spend users · online card and local payment acceptance · 160+ local payment methods · invoice creation Read 15 Oct 2026 · airwallex.com
Grow $12 a month $12 per user/month plus platform fee based on team size Maximum 250 Spend users · advanced approvals · rules-based automation · NetSuite and Dynamics 365 integrations Read 15 Oct 2026 · airwallex.com
Accelerate Priced on request Custom pricing Purchase orders · AI three-way matching · custom ERP Spend API · dedicated account manager · onboarding support Read 15 Oct 2026 · airwallex.com
Domestic card acceptance Price not published 2.80% + $0.30 per transaction Visa, Mastercard, American Express, Apple Pay and Google Pay Read 15 Oct 2026 · airwallex.com
International card acceptance Price not published 4.30% + $0.30 per transaction International cards Read 15 Oct 2026 · airwallex.com
Local payment methods Price not published $0.30 plus payment method fees WeChat Pay, GrabPay and 160+ other methods Read 15 Oct 2026 · airwallex.com
Subscription management Price not published 0.50% per successful card transaction Recurring subscription payments Read 15 Oct 2026 · airwallex.com

Every Airwallex Payments plan and price →

Strong points and limits

Strong points

  • Accepts cards and 160+ local payment methods
  • Offers multiple checkout and integration options
  • Like-for-like settlement in the charged currency
  • Includes fraud evaluation and dispute management

Limits

  • Payment method availability depends on merchant location
  • Processing fees apply to the free plan
  • Grow adds a platform fee based on team size

Who it suits

It suits eCommerce stores, subscription businesses, online marketplaces, and platforms that need payment acceptance and fund management. It also offers recurring billing, payment links, and in-person payments.

Airwallex Payments in depth

Read the full write-up

Overview

Airwallex Payments is a global payment-acceptance product connected to Airwallex’s financial platform. It is best suited to businesses selling across borders that want several checkout routes alongside settlement, fraud, and dispute tools. Its breadth is useful, but merchant-location restrictions and processing fees make fit more important than the headline count of payment methods.

Key features

Checkout and payment methods

Merchants can take cards and more than 160 local payment methods through hosted checkout, embedded components, payment links, eCommerce plugins, or the Payments API. Mobile app checkout is supported with dedicated iOS and Android SDKs. Recurring billing, in-person payments, and multi-currency support broaden its reach beyond a simple online checkout. Local options span digital wallets, bank transfers, buy-now-pay-later, direct debit, online banking, and cash methods, but which methods a business can use depends on its merchant entity’s location.

Airwallex-maintained plugins cover Shopify, SHOPLINE, WooCommerce, BigCommerce, Magento, PrestaShop, and Salesforce Commerce Cloud. That gives stores on those platforms a route that does not require building a checkout integration from scratch; businesses with other systems can use the API or embedded components instead.

Settlement, optimization, and risk

Like-for-like settlement can put a payment into an Airwallex Wallet in the currency charged, avoiding an automatic conversion to the merchant’s home currency. This is useful for businesses that retain or manage funds in multiple currencies. Acceptance tools include smart routing, automatic retries, message optimization, and 3D Secure logic, all intended to improve payment acceptance. Real-time fraud evaluation, configurable risk rules, and dispute management through the web app or API add operational controls, though they also mean teams should assess how those controls fit their own workflows.

Airwallex’s Trust Center identifies PCI DSS, SOC 1, SOC 2, Visa Service Provider, and ISO/IEC 27001 compliance areas, and includes PCI DSS Level 1 certification documents. That is relevant context for payment infrastructure, not a substitute for a business assessing its own compliance obligations.

Pricing

Explore is free at $0 per user/month, with online card and local payment acceptance. It is the sensible starting point for a business that wants acceptance without a user subscription, but it is not free to process payments: domestic cards cost 2.8% + $0.30, international cards 4.30% + $0.30, and local payment methods $0.30 + the payment method fee.

Grow costs $12 per user/month plus a platform fee based on team size. It includes payment acceptance and carries the same listed processing fees as Explore, so its case depends on the broader plan fit rather than a lower transaction rate. A growing team should account for both the per-user charge and the team-size-based platform fee.

Accelerate has custom pricing and includes payment acceptance, with the same listed domestic-card, international-card, and local-method fees. It is the option to discuss for businesses seeking the plan’s additional support: help centre articles, FAQs, and email support are listed across plans, while Accelerate also includes a dedicated account manager and onboarding support.

All three plans show monthly pricing. The listed card rates and local-method charge make transaction mix material to total cost, while local payment method fees vary by method.

Platforms

Airwallex Payments supports web, API, iOS, and Android. The API and web app suit businesses building or managing web-based payment flows; dedicated mobile SDKs support iOS and Android app checkout.

Who it's for

Airwallex is a strong fit for eCommerce stores, subscription businesses, marketplaces, and platforms that need multiple checkout approaches, international payment acceptance, and currency-aware settlement. Businesses should verify that the methods they need are available to their merchant entity before choosing it. A company seeking a single predictable processing rate, or one whose preferred local methods are unavailable in its location, may be better served elsewhere.

Pros and cons

Pros: Multiple checkout routes, recurring billing, payment links, in-person payments, and broad local-method coverage support varied payment journeys.

Pros: Like-for-like settlement and multi-currency support can help merchants manage receipts in the currencies customers use.

Pros: Routing, retries, fraud evaluation, configurable risk rules, and dispute tools combine acceptance and risk functions in one product.

Cons: Local payment method availability depends on merchant entity location, so the global method count is not universal access.

Cons: Explore still charges processing fees, and Grow adds both a per-user subscription and a team-size-based platform fee.

Alternatives

Consider Checkout.com if you qualify as a registered charity and its free processing in countries where it operates is decisive; other businesses can consider its tailored pricing. Paybyrd may suit businesses seeking an Essential plan with no monthly fee, up to €80K / month, and stated per-transaction pricing, while APMs and chargebacks carry separate charges. Choose Stripe Connect when the priority is having Stripe set and collect processing fees from connected accounts, with no fees for your platform.

Zoneless is worth comparing for payouts, including a cloud plan with 1,000 payouts per month and no transaction fees. Payouts.com offers a free-to-start, usage-based approach with white-glove migration. PayPal Multiparty Payments is another option for approved platforms or marketplaces. For marketplace payment holding and dispute resolution, compare Trustap Marketplace Solution, whose Basic plan starts at $50 / month with a $249 onboarding fee and stated transaction charges. Online Payment Platform may suit businesses looking for a per-pay-in Standard plan or volume- and business-model-based custom pricing.

For broader comparisons, browse Marketplace Payment Platforms, Cross-Border Payment Platforms, or Payment Processing Software.

Verdict

Choose Airwallex Payments if your business needs flexible checkout, international payment acceptance, and settlement that can preserve the currency charged, with fraud and dispute tools alongside. Its range makes it a compelling fit for cross-border sellers and platforms, but location-dependent method availability and per-transaction fees deserve careful comparison. Look elsewhere if your required methods do not align with your merchant location or if the plan and processing charges do not suit your volume and team.

Verdict

Airwallex combines several checkout routes with settlement, fraud, and dispute tools. Compare merchant-location method availability and processing fees with your needs before choosing a plan.

Where Specifiction places it

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