Cards

Accept card payments from customers around the world

Airwallex allows merchants to accept payments from the major card schemes such as Visa, Mastercard, American Express, JCB, UnionPay, Discover and Diners Club now. This gives merchants the opportunity to reach a huge number of customers who own a Visa, Mastercard, American Express, JCB, UnionPay, Discover or Diners Club card. In addition to accepting payments, Airwallex offers a full range of merchant services such as authentication, risk & fraud prevention, acceptance rate optimisation, top-class customer experience and centralized place to enjoy all the other Airwallex products.

Payment method properties

Features	Visa	MasterCard	Amercian Express	JCB	UnionPay	Discover	Diners Club
Payment type	Card	Card	Card	Card	Card	Card	Card
Available for businesses registered in	AU, EU, HK, SG, NZ (Beta), UK, US	AU, EU, HK, SG, NZ (Beta), UK, US	AU, EU, HK, SG, UK, US	HK, AU (Beta), SG, US	AU, HK, SG, UK, US	AU (Beta), EU (Beta), HK (Beta), SG (Beta), UK (Beta), US	AU (Beta), EU (Beta), HK (Beta), SG (Beta), UK (Beta), US
Activation time for onboarding	Instant	Instant	Instant	Instant	Instant	Instant	Instant
Shopper regions (typically used by payers from)	Global	Global	Global	Global	Global	US	US
Minimum transaction amount	N/a	N/a	N/a	N/a	N/a	N/a	N/a
Maximum transaction amount	N/a	N/a	N/a	N/a	N/a	N/a	N/a
Recurring payments	✅	✅	✅	✅	✅ (credit cards only)	✅	✅
Refunds	✅	✅	✅	✅	✅	✅	✅
Partial Refunds	✅	✅	✅	✅	✅	✅	✅
Disputes	✅	✅	✅	✅	✅	✅	✅
Placing a hold (delayed/manual capture)	✅	✅	✅	✅	✅	✅	✅

If your business is registered in a region that is currently in beta phase for a given card scheme, please reach out to your Airwallex account manager or support@airwallex.com if you'd like to join the beta.

Descriptor (what the payer will see in their transaction history)

The payer will see your registered business name as the descriptor. If you would like to change the descriptor on a payment-by-payment basis (also called dynamic descriptor), please reach out to your account manager or support.

Please note that for the descriptor of UPI transactions, only numbers, English alphabets, special characters, spaces are allowed (25 digits max.).

Processing currencies

Supported processing currencies can differ based on where your business is registered and the card scheme.

Business registered in	Processing currencies
AU	Visa, MasterCard, Unionpay: All currencies AMEX: AED, AUD, CAD, CHF, CNY, CZK, DKK, EGP, EUR, GBP, HKD, HUF, IDR, ILS, INR, JPY, KRW, KWD, MOP, MXN, MYR, NOK, NZD, PHP, PLN, QAR, RON, SAR, SEK, SGD, THB, TRY, TWD, UAH, USD, VND, ZAR JCB: AED, AUD, CAD, CHF, CNY, CZK, DKK, EGP, EUR, GBP, HKD, HUF, IDR, ILS, INR, JPY, KRW, KWD, MOP, MXN, MYR, NOK, NZD, PHP, PLN, QAR, RON, SAR, SEK, SGD, THB, TRY, TWD, UAH, USD, VND, ZAR Discover, Diners Club: AED, AUD, BGN, BHD, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HUF, ILS, INR, JPY, KWD, MAD, NOK, NZD, OMR, PLN, QAR, RON, SAR, SEK, SGD, THB, TRY, USD, ZAR
SG	Visa, MasterCard, Unionpay, JCB: All currencies AMEX: AED, AUD, CAD, CHF, CNY, CZK, DKK, EGP, EUR, GBP, HKD, HUF, IDR, ILS, INR, JPY, KRW, KWD, MOP, MXN, MYR, NOK, NZD, PHP, PLN, QAR, RON, SAR, SEK, SGD, THB, TRY, TWD, UAH, USD, VND, ZAR Discover, Diners Club: AED, AUD, BGN, BHD, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HUF, ILS, INR, JPY, KWD, MAD, NOK, NZD, OMR, PLN, QAR, RON, SAR, SEK, SGD, THB, TRY, USD, ZAR
HK	Visa, MasterCard, Unionpay, JCB: All currencies AMEX: AED, AUD, CAD, CHF, CNY, CZK, DKK, EGP, EUR, GBP, HKD, HUF, IDR, ILS, INR, JPY, KRW, KWD, MOP, MXN, MYR, NOK, NZD, PHP, PLN, QAR, RON, SAR, SEK, SGD, THB, TRY, TWD, UAH, USD, VND, ZAR Discover, Diners Club: AED, AUD, BGN, BHD, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HUF, ILS, INR, JPY, KWD, MAD, NOK, NZD, OMR, PLN, QAR, RON, SAR, SEK, SGD, THB, TRY, USD, ZAR
NZ (Beta)	Visa, MasterCard: All currencies
EU	Visa and MasterCard: All currencies AMEX: AED, AUD, CAD, CHF, CNY, DKK, EGP, EUR, GBP, HKD, HUF, ILS, INR, JPY, KRW, MOP, MXN, MYR, NOK, NZD, PHP, PLN, QAR, SAR, SEK, SGD, THB, TWD, USD, VND, ZAR Discover, Diners Club: AED, AUD, BGN, BHD, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HUF, ILS, INR, JPY, KWD, MAD, NOK, NZD, OMR, PLN, QAR, RON, SAR, SEK, SGD, THB, TRY, USD, ZAR
UK	Visa, MasterCard, Unionpay: All currencies AMEX: AED, AUD, CAD, CHF, CNY, DKK, EGP, EUR, GBP, HKD, HUF, ILS, INR, JPY, KRW, MOP, MXN, MYR, NOK, NZD, PHP, PLN, QAR, SAR, SEK, SGD, THB, TWD, USD, VND, ZAR Discover, Diners Club: AED, AUD, BGN, BHD, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HUF, ILS, INR, JPY, KWD, MAD, NOK, NZD, OMR, PLN, QAR, RON, SAR, SEK, SGD, THB, TRY, USD, ZAR
US	Visa and MasterCard: USD, EUR, GBP, AUD, SGD, JPY, CHF, NOK, DKK, CAD, NZD, HKD, KRW, PHP, MYR, TWD, VND, EGP, SAR, THB, MXN, TRY, INR, BRL, CNY, PKR, PLN, SEK, NGN, AED, IDR, BDT, ILS, ISK, MAD, ZAR, CZK, HUF, RON, CLP, QAR, COP, RUB, MWK, PEN, BGN, UAH, ARS, MOP, HRK, KZT, ALL, CRC, XOF, KES, UYU, LKR, BOB, PAB, GTQ, DOP, MMK, RSD, BZD, DZD, SHP, HNL, GEL, BAM, MKD, JMD, AWG, BBD, TTD, PYG, XAF AMEX, JCB, UPI, Discover, Diners Club: USD

Settlement schedule and currencies

Settlement schedule and settlement currencies will depend on where your business is registered and the card scheme.

Business registered in	Settlement schedule/ currencies
AU	2 business days after payment capture Supported like-for-like settlement currencies: - Visa, Mastercard, Discover, Diners Club: USD, HKD, EUR, GBP, AUD, SGD, JPY, CAD, CHF, NZD, THB - AMEX: USD, HKD, EUR, GBP, AUD, SGD, JPY, CAD, CHF, NZD - Unionpay: AUD, CAD, CHF, CNY, EUR, HKD, JPY, GBP, SGD, NZD, USD - JCB: USD, SGD, AUD, EUR, GBP, JPY, HKD Payments in other currencies will be settled in your default settlement currency. If your account does not support the like-for-like settlement currency, the payment will also be settled in your default settlement currency.
SG	3 business days after payment capture Supported like-for-like settlement currencies: - Visa, Mastercard, Discover, Diners Club: AUD, CAD, CHF, EUR, GBP, HKD, JPY, NZD, SGD, THB, USD - AMEX: AUD, CAD, CHF, EUR, GBP, HKD, JPY, NZD, SGD, USD - Unionpay: AUD, CNY, EUR, GBP, HKD, JPY, NZD, SGD, USD - JCB: AUD, EUR, GBP, HKD, JPY, SGD, USD Payments in other currencies will be settled in your default settlement currency. If your account does not support the like-for-like settlement currency, the payment will also be settled in your default settlement currency.
HK	3 business days after payment capture Supported like-for-like settlement currencies: - Visa, Mastercard, Discover, Diners Club: AUD, CAD, CHF, EUR, GBP, HKD, JPY, NZD, SGD, THB, USD - AMEX: AUD, CAD, CHF, EUR, GBP, HKD, JPY, NZD, SGD, USD - Unionpay: USD, AUD, EUR, GBP, HKD, JPY, SGD, CAD, CHF, NZD, CNY - JCB: AUD, CAD, EUR, GBP, HKD, JPY, NZD, SGD, USD Payments in other currencies will be settled in your default settlement currency. If your account does not support the like-for-like settlement currency, the payment will also be settled in your default settlement currency.
NZ (Beta)	2 business days after payment capture Supported like-for-like settlement currencies: - Visa, Mastercard: USD, HKD, EUR, GBP, AUD, SGD, JPY, CAD, CHF, NZD, THB Payments in other currencies will be settled in your default settlement currency. If your account does not support the like-for-like settlement currency, the payment will also be settled in your default settlement currency.
EU	3 business days after payment capture Supported like-for-like settlement currencies: - Visa, Mastercard, AMEX, Discover, Diners Club: AUD, CAD, CHF, DKK, EUR, GBP, HKD, NOK, NZD, PLN, SEK, USD Payments in other currencies will be settled in your default settlement currency. If your account does not support the like-for-like settlement currency, the payment will also be settled in your default settlement currency.
UK	3 business days after payment capture Supported like-for-like settlement currencies: - Visa, Mastercard, AMEX, Discover, Diners Club: AUD, CAD, CHF, DKK, EUR, GBP, HKD, NOK, NZD, PLN, SEK, USD - Unionpay: AUD, CHF, DKK, GBP, HKD, NOK, SEK, USD, EUR, CNY Payments in other currencies will be settled in your default settlement currency. If your account does not support the like-for-like settlement currency, the payment will also be settled in your default settlement currency.
US	1 business days after payment capture Supported like-for-like settlement currencies: - Visa, Mastercard: USD, EUR, GBP, SGD, AUD, CAD, HKD, NOK, SEK, CHF, NZD, JPY, DKK, MXN - AMEX, Unionpay, JCB, Discover, Diners Club: USD Payments in other currencies will be settled in your default settlement currency. If your account does not support the like-for-like settlement currency, the payment will also be settled in your default settlement currency.

*Except sanctioned countries

Choose the integration method that best suits your needs

Airwallex has built a range of integration methods that allow you to choose the one best suited for your business. Get started with minimal integration effort or customize the payment flow to your needs.

Online payments via your own website/app	Online payments via ecommerce plugins	Payment links & Invoice Integrations
✅ Hosted Payment Page ✅ Drop-in Element ✅ Embedded Elements ✅ Mobile SDK ✅ Native API (please note that PCI-DSS AOC is required) ✅ Subscription APIs	✅ Shopify ✅ WooCommerce ✅ Shopline ✅ ShopLazza ✅ Magento	✅ Payment Links ✅ Xero Invoice