Streamline your business

with our fast, reliable, long-established payment gateway. We efficiently process payments and collect funds for our clients. Acting as a single solution payment partner, we help businesses enable their customers to pay for their goods and services as simply as possible; both locally and internationally.

The Company

Founded in Australia in 2011, HowToPay is a respected provider of secure payment solutions, servicing millions of individuals and hundreds of businesses in Australia, Europe, Asia, and North America over these years.

We leverage our vast experience and industry knowledge to ensure our clients receive the most appropriate and cost effective solutions tailored to their requirements at all times. 

The Company

Our Payment Services

State-of-the-art API

Easily integrate HowToPay’s multiple and flexible payment options. Our robust and scalable platform guarantees PCI-DSS compliance, security, high performance, and enables a safe user experience.


A fully-integrated payment processing solution

Real-time access to your payment processing data through our dashboard.  Providing users with instant visibility into the performance of their business and revenues using comprehensive reporting features.

The "Payment Request" process

Merchants create a “Payment Request” that is received on the customer's mobile App to approve the transaction. Client funds remain under their control and once approved, both parties are informed the transaction has completed.

Risk management

Unlike many processors, HowToPay reduces risk and fraud by requiring all payers to pass KYC validation. This monitoring and risk management has significantly reduced chargebacks and claims.

Settlement of funds

HowToPay collects funds from various payment methods and remits them as a bundled payment. In conjunction with detailed reporting, HowToPay can efficiently and reliably settle in several currencies, using SWIFT, SWIFT GPI and SEPA.


Collecting Funds & Payments

The payment gateway features intelligent routing to ensure that the most appropriate payment methods are offered for each transaction ensuring maximum coverage, security and traction.


The eWallet is another option to make and receive payments.

Our user friendly app is available from the AppStore and Google Play.  

Key benefits of the mobile app are:

  • View all payments made
  • Easy to top-up balance
  • Receive credits from other users directly to the app
  • Transfer credits from one user to another using a QR code
  • Make in-person payments using a QR code
  • Access POS services (Business Accounts only) Coming Soon
  • Send a Payment Request to another user
  • Accept or decline a Payment Request

Virtual IBANs

For EU, EEA and UK, we can provide virtual IBANs to streamline payments and account reconciliation making collection of payments efficient, reliable and easy.

The Merchant Contract

One straightforward contract is all that is required to have access to a variety of payment methods and solutions for your business.