GreenPay
Online Payments

One API.
For the way Australians pay.

Built on enterprise-grade online payment infrastructure. Cards, wallets, recurring, instalments, direct debits, through a single integration. Built for the scale, security, and reliability required by Australia's leading online businesses.

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~/greenpay · purchases.create
live
> POST /v1/purchases
> Authorization: Bearer sk_live_••••
> Content-Type: application/json
{
  "amount": 18420,
  "currency": "AUD",
  "payment_method": "card",
  "capture": true
}

← 201 Created  · 612ms
{ "id": "pur_3kQ9a", "status": "succeeded",
  "auth_code": "048231", "scheme": "visa" }
The numbers
99.999%

Platform uptime, five-year average

1 in 5

Built on the infrastructure powering 1/5 online transactions in Australia

916ms

Average transaction times

98%+

Authorisation rate with scheme tokenisation

Coverage

One integration. Unlock a world of ways to pay.

A single REST API spans cards, wallets, account-to-account, recurring, and more — through one contract, one set of credentials, one dashboard. JavaScript and React SDKs for fast and secure integrations with minimal lift.

Cards

Visa, Mastercard, American Express, and all major card types.

Digital wallets

Apple Pay (Web and App), Google Pay, Click to Pay — backed by Visa, Mastercard and Amex for a universal one-click checkout.

Eftpos direct

Domestic scheme routing for debit cards. The foundation of least-cost routing.

Account-to-account

Direct bank-account debits, real-time payments support, and recurring direct entry.

Recurring and subscriptions

Card-on-file with network tokenisation. Automatic lifecycle management on expired or reissued cards.

Payment plans

Native support for split and instalment-based payment flows, configurable via the dashboard or API.

RELIABLE

99.999% uptime. Five years running.

Multi-region AWS infrastructure built from the ground up for stability, velocity, and redundancy.

Multi-region AWS

No single region of failure. Traffic load-balanced across Australian infrastructure with automatic failover.

Dynamic scaling

Capacity scales with demand. Peak-traffic events handled without manual intervention.

Sub-second transactions

916ms average end-to-end. Lower abandonment, higher conversion.

Network level redundancy

Multiple acquirers, banks and schemes accessed through a single connection. Improved uptime and routing flexibility.

GreenPay checkout on mobile
Optimisation

The cheapest optimisation is the transaction that doesn't fail.

A 1% lift in authorisation rate is worth more than most checkout redesigns. The platform optimises at every layer where authorisation gets lost, and routes every transaction automatically to the lowest-cost path that maintains performance.

Network tokenisation

Sensitive card data can be replaced by network tokens issued by Mastercard, Visa, and Eftpos. Higher approval rates, enhanced security, and automatic lifecycle management when cards are reissued or updated.

98.17%

Average authorisation rate, retail customers.

Intelligent retry logic

Failed payments recovered through intelligent retry logic. Soft declines re-presented with adjusted parameters — no customer-facing failure for transactions that should have gone through.

retry: {
  strategy: "issuer_aware",
  max_attempts: 3,
  backoff: "exponential"
}

Least-cost routing

Built on one of Australia's largest Least Cost Routing processors. Over 90% of Australian debit cards are eligible for Eftpos routing. Transactions automatically routed to the cheapest path without compromising authorisation rates.

$ ↓

Lower effective cost per transaction.

Smart orchestration

Routing logic that optimises not just for approval rates across different payment rails but lowest cost. The decision happens in milliseconds, transparently.

route: {
  optimise_for: "approval_rate",
  decision_ms: 8,
  rails: ["card", "eftpos", "a2a"]
}
Security

Security that protects revenue, not just data.

Level 1 PCI DSS

Our gateway infrastructure has the highest level of card industry certification. End-to-end security across all transaction touch points. Re-certified annually.

3DS 2.0 authentication

Optional dynamic 3DS2.0 triggered via SDK or Hosted Payment Page. Biometric and device-based authentication reduces checkout friction. Leading third-party fraud tools integrated as required.

Network tokenisation

Real card numbers are never shared or stored. Tokens are scheme-issued and automatically refreshed when cards are reissued.

Real-time fraud decisioning

Rule-based and behavioural fraud controls. Real-time blocking of high-risk payments. Third-party fraud tool integrations supported natively.

Hosted payment page

Reduce your PCI scope by routing the card capture through a hosted page. Branded, configurable, and PCI-compliant out of the box.

Bring Your Own Gateway

Use the gateway you already trust.

GreenPay's flexible infrastructure strategy enables many third-party gateways to integrate natively, including eWay and Cybersource. So without changing any of your existing setup, you can just point your payments to GreenPay.

Give us a call to explore further
Build

Live in days, not quarters.

REST, Batch, and Reporting APIs let your team fully control and automate payment flows from processing to reconciliation. Plug-and-play SDKs for JavaScript and React for teams wanting fast, secure integrations with minimal lift. Pre-built connections to leading ecommerce platforms and shopping carts.

import GreenPay from "@greenpay/node";

const gp = new GreenPay(process.env.GP_KEY);

const purchase = await gp.purchases.create({
  amount: 18420,
  currency: "AUD",
  customer: "cus_3kQ9a",
  capture: true,
});

REST, Batch and Reporting APIs

Three API surfaces covering real-time processing, bulk operations, and reporting. Use one or all three depending on the workflow.

JavaScript & React SDKs

Plug-and-play for the most common stacks. Reduced PCI scope. Hosted Payment Page and Virtual Terminal available where a code integration isn't required.

Pre-built ecommerce connectivity

Direct integration with major ecommerce platforms and shopping carts, including WooCommerce, Magento, Salesforce Commerce Cloud, Shopify Plus, BigCommerce. Drop-in deployments for standard stacks. Custom builds get a clean API and a sandboxed environment.

Operate

Everything operations needs. Without raising a ticket.

01

Full-featured dashboard

Transaction, settlement and reconciliation reporting in one interface and statements. Standalone refunds, manual transaction management, and custom rule configuration.

02

Reconciliation that reconciles

Settlement files match transaction-level data. Payout reporting ties to your bank statement without manual stitching.

03

SSO and role-based access

Single sign-on for your team. Role-based permissions and a full audit log of every action.

04

Webhooks for everything

Every state change in the transaction lifecycle fires a webhook. Build whatever you need on top.

Next step

LET'S SEE WHAT YOUR PAYMENTS COULD BE DOING FOR YOU.

A scoping conversation, not a sales pitch. We'll look at how your payments work today, where the revenue and performance gains are, and what switching would actually involve.

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