RiverPay is the payment processor built by Australians, for Australians. Lower fees, faster settlements, and support you can actually reach.
Domestic card fees — 40% cheaper than Stripe
Instant NPP payouts to your bank account
Built here. Supported here. Data stays here.
No spam. Early access to RiverPay Beta starting Q2 2026.
1.0% + 20¢ flat. No hidden fees, no FX spreads, no surprise charges. You know exactly what you pay on every transaction.
Instant NPP payouts by 5pm same day. Stripe takes 2 business days. That's cash flow on your terms, not theirs.
No overseas queue. Talk to a real Australian team. Built in Melbourne, supporting Australian businesses.
Your data lives in Australia. Encrypted locally. Full PCI DSS L1 compliance. No international company scanning your transactions.
Live dashboard showing every transaction, chargeback, refund. API access for custom analytics.
Clean REST & webhook APIs. Sandbox testing. Comprehensive docs. Integrates in hours, not weeks.
| Feature | RiverPay | Stripe |
|---|---|---|
| Australian Domestic Card | 1.0% + 20¢ | 1.75% + 30¢ |
| Settlement Time | Same-day NPP | 2 business days |
| FX Markup | None (local AU) | 2-3% spread |
| Support | Australian team | Overseas support |
| Data Location | Australia | U.S. / EU |
| Setup Time | 24 hours | 2-3 days |
No tiers. No hidden fees. The same price for all Australian businesses.
Australian Card Transactions
Flat rate. Every transaction. Every time.
Example: A $100 sale costs you $1.20
Example: A $1,000 sale costs you $10.20
vs Stripe: Same sales cost you $1.75–$17.50
$0
Setup cost
$0
Monthly fee
$0
Hidden fees
RiverPay Beta launches Q2 2026 (April–June) with limited merchant capacity. Full public launch Q3 2026. Join the waitlist to get early access.
Australian businesses registered for GST or with an ACN/ABN. This includes sole traders, small businesses, e-commerce stores, SaaS platforms, marketplaces, nonprofits, and service providers.
You integrate our REST API or use our hosted checkout page. Customers' card data goes directly to our secure tokenization layer (PCI DSS Level 1). Your server never touches raw card data.
Refunds are free and instant. Chargebacks are handled by our team — we'll help you gather evidence and manage disputes. Standard chargeback liability applies.
Phase 1 is Australian domestic only. We'll add multi-currency and international acquiring in Phase 2 (late 2026). International customers can use AUD pricing.
Our onboarding team handles migration. API is similar to Stripe's (minimal code changes), we provide sandbox testing, and we help you switch merchants at your pace.
Yes. We're PCI DSS Level 1 certified, data is encrypted at rest and in transit, stored in Australia with full backup/redundancy, and audited regularly by independent security firms.
Email hello@riverpay.com.au or compliance@riverpay.com.au. Our Australian team responds within 4 hours during business hours.
Join the RiverPay Beta. Same-day settlements. Australian support. Fair pricing.
Launch-ready when NEXT_PUBLIC_RIVERPAY_WAITLIST_URL is wired to a real capture endpoint.