1.0% + 20¢. Same-day NPP settlements. Built in Melbourne. Your data stays in Australia.
No spam. No lock-in. Australian business data only.
Cheaper than Stripe
Same-day settlement
Alpha merchants live
Why RiverPay
1.0% + 20¢ flat. No FX spread, no surprise charges. You know exactly what you pay on every transaction.
Instant payouts by 5pm. Stripe takes 2 business days. That's cash flow on your terms, not theirs.
Real people, same timezone. Built in Melbourne. No overseas queues, no chatbots for real problems.
Your transaction data lives in Australia. Encrypted locally. PCI DSS Level 1. No foreign entity scanning your business.
Every payment, refund, and chargeback in a live feed. API access for your own analytics stack.
Clean REST & webhooks. Sandbox testing. Stripe-compatible shape so migration is hours, not sprints.
Accept BTC, ETH, SOL, USDC and USDT. Neural rate lock converts to AUD same-day via NPP. Zero FX risk to the merchant.
Onboarding
Join the waitlist. Our team reviews Australian ABN/ACN businesses within one business day.
Copy your API keys into our sandbox. REST API or hosted checkout — your choice. Docs ship same day.
Switch from sandbox to live. First settlement hits your bank account the same evening.
The numbers
| Feature | RiverPay | Stripe |
|---|---|---|
| AU Domestic Card | 1.0% + 20¢ | 1.75% + 30¢ |
| Crypto Payments | 0.3–0.5% | Not supported |
| Settlement | Same-day NPP | 2 business days |
| FX Markup | None (local AU) | 2–3% spread |
| Support | Australian team | Overseas queue |
| Data Location | Australia | U.S. / EU |
| Setup | 24 hours | 2–3 days |
| Monthly fee | $0 | $0 |
Three terminals. One platform. Built for every venue, stage, and merch table in Australia.
Pricing
No tiers. No surprises. The same price whether you process $1,000 or $10M.
Australian card transactions
Per transaction. No monthly fee.
$0
Setup cost
$0
Monthly fee
$0
Hidden fees
Questions
Alpha is open now — limited to 50 merchants. Apply today to secure your spot. Full public launch Q3 2026.
Australian businesses with an ABN/ACN. Sole traders, SMEs, e-commerce, SaaS, marketplaces, nonprofits, and service providers.
REST API or hosted checkout page. Stripe-compatible structure — most teams switch in a day. Full sandbox before going live.
Refunds are free and instant. Chargebacks are handled by our team — we help you gather evidence and manage disputes end-to-end.
Phase 1 is AU domestic. Multi-currency and international acquiring arrives in Phase 2 (late 2026). International customers use AUD pricing.
Our team handles it. API shape is similar — minimal code changes. We provide sandbox parity and migrate merchants at your pace.
PCI DSS Level 1. Encrypted at rest and in transit. Stored in Australia. Audited by independent security firms quarterly.
Same-day settlements. Australian support. Fair pricing. Built for you.
Australian businesses only. No spam. Unsubscribe anytime.