Windcave
- In-person rate
- Custom quote
- Online rate
- Custom quote
- Monthly fee
- Custom quote
- Terminal cost
- Hardware quoted
- Contract length
- Varies
- Settlement time
- Standard payouts
- Est. monthly cost
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Windcave
Auckland-built omnichannel payment gateway operating across AU, NZ, UK, and US.
- In-person rate
- Custom quote
- Online rate
- Custom quote
- Monthly fee
- Custom quote
- Contract
- Varies
Best for
Cross-Tasman businesses and mid-market merchants needing one gateway across multiple regions.
Pricing breakdown
Every fee we track, grouped by where it applies.
In-person payments
EFTPOS terminal and tap-to-pay transactions.
- Transaction rate
- Custom quote
- Monthly fee
- Custom quote
- Terminal cost
- Hardware quoted
- Setup fee
- Custom quote
Online payments
Online checkout and keyed-in card transactions.
- Transaction rate
- Custom quote
- Monthly fee
- Custom quote
- Setup fee
- Custom quote
Other fees
- Chargeback fee
- Custom quote
- AMEX rate
- Custom quote
- International card surcharge
- Custom quote
- Early termination fee
- Varies
- Instant payout fee
- Quote
- Refund fee
- Quote
- PCI compliance fee
- Custom quote
Contract terms
- Contract length
- Varies
- Settlement time
- Standard payouts
- Least-cost routing
- Yes
- Recurring billing
- Yes
Last verified 14 May 2026.
Accepted payment methods
Cards, wallets, and other methods supported by Windcave for Australian merchants.
Cards
- Visa
- Mastercard
- AMEX
- UnionPay
- JCB
- Diners Club
Digital wallets
- Apple Pay
- Google Pay
Other
- Alipay
- WeChat Pay
Strengths and trade-offs
Pros
- Multi-region gateway (AU, NZ, UK, US)
- Mature integrations across major shopping carts
- Hardware terminals and online gateway from one vendor
Cons
- No public pricing, quote only
- Less Australia-specific than local-only competitors
About Windcave
Windcave (formerly Payment Express) is a New Zealand-built payment gateway and switch operating across Australia, New Zealand, the UK, and the United States. Custom-quoted pricing based on volume and channel mix.
Windcave was founded in 1997 and is headquartered in Auckland, New Zealand.
How Windcave compares
Side-by-side with the closest alternatives by estimated monthly cost.
Zeller
$633/mo est.
- In-person rate
- 1.4%
- Online rate
- 1.7% + $0.25
- Monthly fee
- Free
- Terminal cost
- From $99
- Contract length
- No lock-in
- Settlement time
- Next business day
- Est. monthly cost
- $633/mo
Stripe
$723/mo est.
- In-person rate
- 1.7% + $0.30
- Online rate
- 1.7% + $0.30
- Monthly fee
- Free
- Terminal cost
- Hardware quoted
- Contract length
- No lock-in
- Settlement time
- Standard payouts
- Est. monthly cost
- $723/mo
Square
$757/mo est.
- In-person rate
- 1.6%
- Online rate
- 2.2%
- Monthly fee
- Free
- Terminal cost
- $65
- Contract length
- No lock-in
- Settlement time
- Next day
- Est. monthly cost
- $757/mo
Common questions about Windcave
The same questions Australian merchants ask before signing up.
Windcave does not publish a standard rate in Australia. Pricing is quoted based on your business size, industry, and card mix. Request a quote on their site, or use our free fee calculator to compare against providers that do publish rates.
Windcave contract terms in Australia: Varies. Check the fine print for any early termination fees before signing.
Windcave settles funds on a standard payouts schedule for Australian merchants. Settlement timing can be a deciding factor for cash flow, see how it compares on our payment-providers comparison page.
Windcave AMEX pricing in Australia is not publicly listed. Ask their sales team whether AMEX acceptance and rates are included.
Yes. Windcave offers least-cost routing in Australia, which can lower the cost of contactless debit transactions by routing them through the cheaper EFTPOS network. This is a real saving for busy retail and hospitality merchants.
Windcave is best suited to cross-tasman businesses and mid-market merchants needing one gateway across multiple regions. To see how it stacks up for your specific volume and card mix, try our free fee calculator.
We may earn a commission when you click through to Windcave and sign up, where a commercial arrangement is in place. This never affects ranking, the data we publish, or the comparisons we make on this page. Read our terms for the full picture.
Compare Windcave
Compare Windcave against every other Australian provider on price, contract terms, and features.