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
All prices in AUDLast verified 11 June 2026Every fee we track, grouped by where it applies.
In-person payments
EFTPOS terminal and tap-to-pay transactions.
- Transaction rate
- Monthly fee
- Terminal cost
- Hardware quoted
- Setup fee
Online payments
Online checkout and keyed-in card transactions.
- Transaction rate
- Monthly fee
- Setup fee
Other fees
- Chargeback fee
- AMEX rate
- International card surcharge
- Early termination fee
- Varies
- Instant payout fee
- Quote
- Refund fee
- Quote
- PCI compliance fee
Contract terms
- Contract length
- Varies
- Settlement time
- Standard payouts
- Least-cost routing
- Yes
- Recurring billing
- Yes
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 cost.
Assumes $15,000/mo volume, $50 average transaction, 70% in-person and 30% online.
Westpac
$214/mo est.
- In-person rate
- 1.2%
- Online rate
- 1.4%
- Monthly fee
- $24.75/mo
- Terminal cost
- $24.75/mo rental
- Contract length
- No lock-in
- Settlement time
- Instant
- Est. monthly cost
- $214/mo
Bendigo Bank
$229/mo est.
- In-person rate
- 1.4%
- Online rate
- 1.4%
- Monthly fee
- From $19/mo
- Terminal cost
- From $19/mo rental
- Contract length
- No lock-in
- Settlement time
- Next business day
- Est. monthly cost
- $229/mo
NAB
$231/mo est.
- In-person rate
- 1.15%
- Online rate
- 1.4% + $0.25
- Monthly fee
- $25/mo
- Terminal cost
- $25/mo rental
- Contract length
- No lock-in (60 days notice)
- Settlement time
- Next business day
- Est. monthly cost
- $231/mo
Common questions about Windcave
The same questions Australian merchants ask before signing up.
Windcave does not publish standard transaction rates publicly. Pricing is quoted individually and structured under a blended billing model that covers Visa and Mastercard domestic and international transactions at rates agreed with each merchant.
Yes. Windcave is an Auckland-built payment gateway with active operations in Australia, New Zealand, the United Kingdom, and the United States. It is particularly suited to businesses that operate across both sides of the Tasman and need a single gateway relationship.
Yes. Windcave supports least-cost routing for eligible Australian and New Zealand debit card transactions. Terminal and gateway configurations that enable LCR are available as part of the merchant agreement.
Yes. Windcave provides EFTPOS terminals for in-person environments as well as a hosted payment page and API-based online gateway. Having both channels under one provider simplifies reconciliation for omnichannel merchants.
Contract terms are negotiated individually. Windcave serves primarily mid-market and enterprise merchants, and agreements typically include a minimum term. Confirm exit terms and any hardware obligations before signing.
Windcave is best suited to mid-market and enterprise merchants that operate across Australia and New Zealand (or other supported regions) and want one gateway for both physical and online channels. Its cross-Tasman coverage is a genuine advantage over providers that serve only one market.
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