Global payments gateway with a published USD online card rate; no in-person acceptance in the US yet (POS Payments is Coming Soon).
Best for
US online businesses that want a transparent card rate alongside multi-currency accounts, FX and global payouts, and do not need in-person acceptance today.
Every fee we track, grouped by where it applies.
In-person terminal and tap-to-pay transactions.
Airwallex POS Payments (M90 terminal + SoftPOS) is explicitly listed as "Coming Soon" in the US, live today only in the UK, EU, Singapore and Hong Kong. Source: airwallex.com/en-us/payments/pos-payments, read 2026-07-16 (personally verified in browser; page shows a standalone "Coming Soon" badge next to the "POS PAYMENTS" eyebrow, and the site nav lists "POS Payments (Coming Soon)").
Explore Plan is Free, $0/month. Grow Plan is $12 per Spend User per month plus an additional Airwallex Platform fee based on total Spend Users. Accelerate and Custom plans are custom pricing. Explore includes online card and local payment method acceptance globally at no monthly cost. Source: airwallex.com/en-us/terms/fee-schedule and airwallex.com/en-us/pricing, read 2026-07-16.
No card machine or POS hardware is sold in the US yet; POS Payments is Coming Soon. Source: airwallex.com/en-us/payments/pos-payments, read 2026-07-16.
No setup fee is listed in the US Fee Schedule; the "Other Fees & Charges" section lists only an unpriced API Integration Set Up Fee ("To be advised") for bespoke integrations, not a standard onboarding fee. Source: airwallex.com/en-us/terms/fee-schedule, read 2026-07-16.
Online checkout and keyed-in card transactions.
Domestic Cards (Visa, Mastercard, American Express): 2.80% + $0.30 per transaction, blended (the $0.30 is the same Gateway Fee charged per General Fees, combined here into the effective rate). International Cards (Visa, Mastercard, all UnionPay): 4.30% + $0.30. Same rate across Explore, Grow, Accelerate and Custom plans. Source: airwallex.com/en-us/terms/fee-schedule and airwallex.com/en-us/payments/checkout, read 2026-07-16.
Explore Plan is Free, $0/month. Grow Plan is $12 per Spend User per month plus an additional Airwallex Platform fee based on total Spend Users. Accelerate and Custom plans are custom pricing. Explore includes online card and local payment method acceptance globally at no monthly cost. Source: airwallex.com/en-us/terms/fee-schedule and airwallex.com/en-us/pricing, read 2026-07-16.
No setup fee is listed in the US Fee Schedule; the "Other Fees & Charges" section lists only an unpriced API Integration Set Up Fee ("To be advised") for bespoke integrations, not a standard onboarding fee. Source: airwallex.com/en-us/terms/fee-schedule, read 2026-07-16.
Chargeback Fee: US$15 per dispute, plus any network charges. A separate Success Fee of 25% of the disputed amount (max USD 200) applies only when the AI Dispute Automation product wins a challenge. Source: airwallex.com/en-us/terms/fee-schedule, read 2026-07-16.
A standard rate of 2.80% applies to all domestic American Express transactions, the same as Visa and Mastercard. However, certain merchant category groups carry higher network interchange costs and a surcharge applies: Travel & Entertainment and Lodging (+0.50% surcharge, 3.30% effective rate); Restaurants and Bars/Caterers (+0.30% surcharge, 3.10% effective rate). Source: airwallex.com/en-us/terms/fee-schedule, read 2026-07-16.
International Cards (Visa, Mastercard, all UnionPay) are 4.30% + $0.30 versus 2.80% + $0.30 for Domestic Cards, a 1.50 percentage-point difference. A separate 0.50% Foreign Currency Settlement Fee and/or 1.00% FX Conversion Fee also apply where currency conversion is involved. Source: airwallex.com/en-us/terms/fee-schedule, read 2026-07-16.
No early-termination or exit fee is published in the US Fee Schedule or on the pricing page. Source: airwallex.com/en-us/terms/fee-schedule, checked 2026-07-16.
No instant or same-day payout product for card-processing settlement was found on the US Fee Schedule or pricing page (the only related "instant" fees found relate to the separate Airwallex Yield investment product, not payment settlement). Source: airwallex.com/en-us/terms/fee-schedule, checked 2026-07-16.
Refund Fee: US$0.30 per refund request, plus any network charges. Source: airwallex.com/en-us/terms/fee-schedule, read 2026-07-16.
No PCI compliance fee appears anywhere in the US Fee Schedule; Airwallex states its platform meets PCI DSS, SOC1 and SOC2 compliance as standard, in addition to local regulatory requirements. Source: airwallex.com/en-us/terms/fee-schedule, read 2026-07-16.
Explore, Grow and Accelerate are recurring monthly subscription plans; no minimum contract term is published on the pricing page or Fee Schedule for the subscription or payment-acceptance fees. Source: airwallex.com/en-us/pricing and airwallex.com/en-us/terms/fee-schedule, read 2026-07-16.
No standard settlement timeframe is published on the US pricing page, Fee Schedule, or Checkout product page. Source: airwallex.com/en-us/terms/fee-schedule, airwallex.com/en-us/pricing, airwallex.com/en-us/payments/checkout, checked 2026-07-16.
Subscription Management: collect recurring subscription payments from your customers, charged at 0.50% per successful transaction. Source: airwallex.com/en-us/terms/fee-schedule and airwallex.com/en-us/pricing, read 2026-07-16.
Cards, wallets, and other methods supported by Airwallex for US merchants.
Airwallex is a Melbourne-founded global payments and banking platform. In the US it operates as Airwallex US, LLC (NMLS #1928093), licensed to do business as a money transmitter, and partners with Evolve Bank & Trust (Member FDIC) for some payment services. It publishes a transparent blended online card rate of 2.80% + $0.30 for domestic Visa, Mastercard and American Express (higher for select Amex merchant categories), backed by a full checkout stack: a hosted payment page, payment links, invoicing, and native recurring billing.
Airwallex does not yet offer in-person card acceptance in the US: POS Payments (the M90 terminal and SoftPOS) is explicitly listed as Coming Soon, live today only in the UK, EU, Singapore and Hong Kong. Airwallex is built for businesses that also want multi-currency accounts, FX and global payouts alongside online card acceptance.
Airwallex was founded in 2015 and is headquartered in Melbourne, Australia.
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