VisionPay AU

What is VisionPay

VisionPay is a payment solutions provider based in Australia, operating as VisionPay Pty Ltd. The company offers a complete platform for businesses to accept payments through various channels. Its core purpose is to provide secure, flexible, and efficient transaction processing for online stores, physical retail locations, and self-service operations. The main functionality includes online payment gateways for e-commerce, EFTPOS terminals for in-store sales, tools to send payment links for invoices, and specialized hardware for self-service kiosks like parking meters or vending machines. VisionPay focuses on serving the Australian market with features like fast settlement to local bank accounts, low transaction fees, and no long-term contracts, supported by a 24/7 local customer service team.

VisionPay Features

VisionPay provides a range of features designed to cover all aspects of business payment processing.

• Online Payments: Integrate a secure payment gateway into your e-commerce website or mobile app. It supports major shopping carts and allows for custom integrations, enabling you to accept credit and debit card payments online smoothly.
• In-store Payments: Use their EFTPOS terminals to accept payments in person. These devices can operate as standalone units or be integrated with your Point of Sale (POS) system. They support all major card types and contactless payments.
• Send Payment Link: From the VisionPay dashboard, you can create and send customized payment links to customers via email or SMS. This is useful for service-based businesses, invoicing, or taking payments over the phone.
• Fraud Solutions: The platform includes advanced fraud detection tools that analyze transactions to identify and block suspicious activity. It also uses 3DS2 (3D Secure 2.0) for an extra layer of authentication, which helps reduce chargebacks.
• Self-Service Solutions: VisionPay offers payment devices designed for unattended environments. These are suitable for integration into kiosks, vending machines, EV charging stations, and public transport systems.
• Fast Settlement: Businesses can choose their settlement schedule, with options for receiving funds in their bank account as quickly as the same or the next business day.
• Developer APIs: A comprehensive set of APIs is available for businesses that need to build custom payment solutions or integrate VisionPay into their existing software.
• 24/7 Australian Support: Access to a dedicated support team based in Australia, available around the clock to assist with any technical or account-related issues.

VisionPay Pricing Plans

VisionPay operates on a simple pricing model that avoids monthly subscription fees and lock-in contracts. Instead of tiered plans, they offer a pay-as-you-go structure where businesses are charged a small percentage and a fixed fee for each successful transaction. The exact rates can vary depending on the transaction volume, business type, and payment method (e.g., online vs. in-store). For larger enterprises or businesses with unique requirements, VisionPay provides custom pricing packages tailored to their specific needs.

VisionPay Free Plan

VisionPay does not have a traditional free plan, as it is a payment processor that charges for transactions. However, there are no monthly fees, setup fees, or lock-in contracts. This means businesses can sign up and integrate the service without any upfront cost or ongoing subscription commitment. You only pay when you process a payment, making it a cost-effective option for startups and small businesses with fluctuating sales volumes.

How to use VisionPay

Getting started with VisionPay is a direct process. Here is a typical workflow:

1. Create an Account: Visit the VisionPay website and sign up for an account. You will need to provide details about your business for the application and verification process.
2. Choose Your Solution: Decide if you need online payments, in-store terminals, or both. For online payments, you will get access to the payment gateway dashboard.
3. Integration: For an e-commerce store, you can integrate VisionPay using plugins for popular platforms like Shopify or WooCommerce. For custom websites, your developer can use the provided API and documentation.
4. Set Up Hardware: If you ordered an EFTPOS terminal, it will be delivered within a few business days. Follow the instructions to set it up in either standalone or integrated mode.
5. Start Accepting Payments: Once integrated and set up, you can begin processing payments. All transactions will appear in your VisionPay dashboard.
6. Manage Funds: Monitor your sales and manage settlements from the dashboard. Funds will be automatically transferred to your nominated Australian bank account based on your chosen schedule.

Pros and Cons of VisionPay

Pros:

• No Lock-In Contracts: Provides flexibility for businesses to use the service without a long-term commitment.
• No Monthly Fees: You only pay for the transactions you process, which is great for businesses with variable income.
• Fast Settlement: Options for same-day or next-day settlement help improve business cash flow.
• Local Support: 24/7 support from an Australian-based team is a significant advantage for local businesses.
• Versatile Solutions: Covers online, in-store, and self-service payments, making it a single solution for multiple needs.

Cons:

• Australia-Focused: The service is primarily designed for Australian businesses, which may not be suitable for international companies.
• Transaction Fees Not Public: Specific transaction rates are not listed on the website; you must contact them for a quote.
• Lesser-Known Brand: It is not as globally recognized as competitors like Stripe or Square, which might matter to some international customers.

VisionPay Integrations

VisionPay is designed to work with a variety of business systems. It offers direct integrations and plugins for major e-commerce platforms, allowing for easy setup. Common integrations include:

• Shopify: Connect VisionPay as a payment provider in your Shopify store settings.
• WooCommerce: Use the VisionPay plugin to add it as a payment option to your WordPress-based store.
• Magento: Integrate with the Magento platform to process payments securely.
• BigCommerce: Connect your BigCommerce store to the VisionPay gateway.

For businesses with custom-built applications or other software, VisionPay provides a developer-friendly API for seamless integration.

VisionPay Alternatives

• Stripe: A global leader in online payments with powerful developer tools and extensive features. It is a strong alternative for businesses that operate internationally or require complex, custom payment flows.
• Square: An excellent choice for businesses that need a tightly integrated system for both online and in-person sales. Square is known for its user-friendly POS hardware and simple pricing.
• Pin Payments: An Australian-based payment gateway that focuses on simplicity for online businesses. It is a direct competitor for companies that only need to accept payments online.
• Tyro Payments: A major Australian financial institution that provides EFTPOS terminals, business loans, and bank accounts. It is a strong alternative for established retail and hospitality businesses looking for an all-in-one financial partner.

VisionPay API

Yes, VisionPay provides a comprehensive API for developers to create custom payment integrations. The API allows you to connect your website, application, or business software directly to the VisionPay payment processing platform. To get started, you need to create a VisionPay account. Once your account is approved, you can access your API keys from the developer section of your merchant dashboard. These keys are used to authenticate your API requests.

Here is a basic example of what a cURL request to the VisionPay API might look like to create a payment session:

curl --request POST \
     --url https://api.visionpay.com.au/v1/payments \
     --header 'Authorization: Bearer YOUR_SECRET_API_KEY' \
     --header 'Content-Type: application/json' \
     --data '{
  "amount": 1000,
  "currency": "aud",
  "description": "Invoice #1234",
  "payment_method_types": ["card"]
}'

For detailed documentation and support, developers can refer to the official API documentation provided by VisionPay after signing up.

VisionPay Affiliate Program

There is no public information available regarding a formal affiliate program offered by VisionPay. Companies in this sector often have partner or reseller programs instead of traditional affiliate marketing. If you are interested in partnering with VisionPay or promoting their services, it is recommended to contact their support or business development team directly through their website. They can provide information on any available partnership opportunities for developers, agencies, or influencers.