Merchant Warrior

What Merchant Warrior does

Merchant Warrior is a Brisbane-headquartered payment gateway operator that processes transactions for online merchants, acquirers, and software integrators across at least eight markets (Australia, New Zealand, United Kingdom, United States, Singapore, India, Hong Kong, and additional geographies). The company serves three explicit buyer personas — merchants seeking flexible multi-method payment acceptance, acquirings banks needing to modernize legacy product suites, and software integrators requiring embeddable payment technology — and claims 10,000+ merchant customers including Virgin Australia, Qantas, Bendigo Bank, Marriott Bonvoy, Proactiv, Oppo, Twilio, PushPay, and SmartPay. Its US operations are anchored by a Las Vegas regional office.

The platform is API-first and built around a Level 1 PCI DSS certified processing gateway with dedicated infrastructure hosted on Macquarie Cloud Services. Core technical components include a Direct API for real-time transaction processing, Token Payments for secure card-on-file storage, Hosted Payment Pages and Payframe (iFrame) for PCI scope reduction, Recurring Payments, Virtual Terminal for MOTO sales, Batch Payments, Direct Debit, Apple Pay/Google Pay wallets, and emerging Australian methods including PayID, PayTo, and BPAY. The product suite is extended through a White Label Acquiring Platform targeting banks and acquirers, fraud detection integrated via Forter, and Dynamic Currency Conversion across USD, GBP, JPY, HKD, NZD, EUR, CAD, and SGD. The platform supports 100+ pre-built integrations across shopping carts, booking systems, and eCommerce platforms, and advertises a 99.7% system accessibility SLA.

Merchant Warrior monetizes primarily through per-transaction processing fees (0.5–1.5% + $0.30 in Australia; 1–2.3% + $0.30 in New Zealand), supplemented by setup/onboarding fees for Direct Debit and Bank Transfer products, recurring gateway access fees (e.g., $0.50/transaction + $400 annual Basic plan), and a referral partner program paying 10% of upfront and ongoing referred revenue. Distribution combines direct enterprise sales, self-service online onboarding for SMBs, channel/affiliate partners (software developers, web developers, shopping cart providers), and white-label OEM distribution to acquirers. The legal entity is SR Global Solutions Pty Ltd, a proprietary company incorporated in Queensland, Australia; the company is privately held with no disclosed external funding or parent.

Name

Merchant Warrior

Legal name

SR Global Solutions Pty Ltd

Website

https://merchantwarrior.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

1–10 employees

Short description

Merchant Warrior is an Australia-headquartered, API-first payment gateway operator serving 10,000+ merchants, acquirers, and software integrators across 8+ markets with PCI DSS Level 1 certified processing, multi-currency support, and a white-label acquiring platform.

Ownership category

akta.pro rank

Product category

Payment Gateway / Payment Processing

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

akta.pro primary industry

Payment Processing & Acquiring Infrastructure (FSAGABAC)

akta.pro secondary industries

Integrated Payment Processors (PSP/Acquirer) (FSAMABAA), Processor-Agnostic / White-Label Acquiring Platforms (Acquiring-as-a-Service) (FSAMABAI)

Keywords

• Payment gateway services
• Online payment processing
• Merchant payment solutions
• Payment API platform
• Credit card processing

Headquarters

HQ city

Brisbane

HQ country

Australia

HQ region

Oceania

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales

Revenue model

1. Transaction Processing Fees: Per-transaction fees charged for payment processing across credit/debit cards, bank accounts, and alternative payment methods. Rates vary by transaction type, volume tier, and geography. This is the primary revenue stream for the payment gateway.
2. Setup/Onboarding Fees: Annual or one-time setup fees for merchant account establishment and service activation, particularly for Direct Debit solutions.
3. Referral Partner Program: 10% commission on upfront and ongoing revenues generated by customers integrated and referred through affiliate partners including software developers, web developers, and eCommerce solutions.
4. Gateway Access Fees: Monthly or annual access fees for payment gateway services, including tiered pricing profiles for Basic through Enterprise volume levels.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

Merchant Warrior is a payment gateway and processing platform that enables merchants, acquirers, and integrators to accept credit cards, debit cards, direct debits, digital wallets (Apple Pay, Google Pay), BPAY, PayID, PayTo, and bank transfers through a suite of APIs, hosted payment pages, tokenization, virtual terminal, and recurring billing tools. The platform is Level 1 PCI DSS certified, supports multi-currency processing across 8+ currencies, and includes a white-label acquiring platform for financial institutions.

Product overview

Merchant Warrior is a payment gateway and processing platform that provides a comprehensive suite of payment solutions. The core offerings include Direct API for real-time transaction processing, Token Payments for secure card storage, Hosted Payments for PCI-compliant checkout, Recurring Payments for subscriptions, and Virtual Terminal for MOTO transactions. The platform supports multiple digital wallets including Apple Pay and Google Pay, along with various payment methods such as BPAY, PayID, PayTo, Direct Debit, and batch processing. Additional features include multi-currency processing, Dynamic Currency Conversion, Least Cost Routing, Automated Reconciliation, Dynamic Surcharging, Chargeback Automation, and a White Label Acquiring Platform for acquirers. The platform is Level 1 PCI DSS certified and supports 100+ integrated platforms.

Differentiator

Problem solved

Functional benefit

Products and services

• Direct API Real-time payment processing API that enables merchants to process credit cards, bank accounts, and checks directly through ecommerce solutions while maintaining their own branding.
• Token Payments Secure platform for storing credit card information and processing transactions using tokenized identifiers, reducing PCI DSS compliance scope for merchants.
• Hosted Payment Pages Customized secure hosted payment page that outsources PCI DSS compliance responsibilities to Merchant Warrior, with all major card data handling managed by the platform.
• Recurring Payments Automated subscription billing via recurring payment plans controlled via API and administration interface, storing credit card information securely on behalf of merchants.
• Virtual Terminal Secure web-based POS terminal for processing credit card, bank account, and electronic check payments for mail order/telephone order (MOTO) sales.
• Batch Payments Solution for efficiently processing large volumes of transactions via batch file upload through the Merchant Warrior Payment Gateway.
• Direct Debit Platform for processing direct debit transactions from Australian and New Zealand bank accounts, hosted by Merchant Warrior without requiring additional bank facilities.
• Phone Payments (IVR) Fully customizable IVR system capable of accepting credit card, direct debit, and token payments over the phone with custom voice prompts and phone numbers.
• White Label Acquiring Platform Platform for acquirers to provide cutting-edge payment technologies and compliance solutions under their own brand.

Quantifiable outcome

• Trusted by 10,000+ merchants globally
• +2 more outcomes

Named customers13 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature9 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• CuscalcoreStrategic or Co-development PartnerPayment solutions partner and acquirer providing payment processing infrastructure and services to the Australian market.
• SmartpaycoreStrategic or Co-development PartnerASX-listed payment solutions provider (ASX: SMP) offering payment terminal solutions. Testimonial endorsement from SmartPay CEO Rob Broers praising Merchant Warrior's knowledge, professionalism, and proactive support.
• Macquarie Cloud ServicescoreTechnology or IntegrationCloud infrastructure provider hosting Merchant Warrior's data on dedicated private cloud with Macquarie Telecom as hosting provider.
• FortercoreTechnology or IntegrationFraud detection service provider integrated into payment processing for real-time fraud prevention and detection.
• TyrominorChannel Partner/ Reseller/ DistributorAustralian neobank and payment solutions provider for merchant acquiring.
• VisacoreTechnology or IntegrationCard scheme provider for credit and debit card processing.
• MastercardcoreTechnology or IntegrationCard scheme provider for credit and debit card processing.
• American ExpresscoreTechnology or IntegrationCard scheme provider for American Express card processing.
• Diners ClubcoreTechnology or IntegrationCard scheme provider for Diners Club card processing.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Adyen: Unified global payments platform combining gateway, acquiring, and processing with multi-currency settlement. Competes head-to-head with Merchant Warrior for enterprise merchants and white-label processing platforms across APAC.
• Pin Payments: Australian payment gateway targeting online merchants with API integration, tokenization, and recurring billing. Direct competitor in the AU SMB and developer-led segment with similar product positioning.
• Airwallex: Australian-founded global payments platform offering multi-currency acquiring, payment gateway APIs, and embedded finance. Direct competitor across AU, NZ, UK, US, Singapore, and Hong Kong markets where Merchant Warrior operates.
• Stripe: Global API-first payment gateway with hosted checkout, tokenization, multi-currency processing, and recurring billing. Directly competes with Merchant Warrior across AU/NZ and other served markets for online merchants and platforms.
• eWAY: Australia-based payment gateway owned by Global Payments, offering API, hosted pages, recurring billing, and multi-currency. Closest domestic competitor to Merchant Warrior in the AU/NZ SMB and mid-market segment.
• Fat Zebra: Australia-based payment gateway and processor offering direct API, hosted payments, and white-label acquiring capabilities. Closely comparable product suite and target customer base to Merchant Warrior.

Regional players

• Tyro Payments: Australian neobank and payments provider offering integrated EFTPOS, online acquiring, and gateway solutions. Competes in the Australian merchant acquiring market and is also listed as a Merchant Warrior partner.
• Novatti: ASX-listed Australian payments platform providing payment processing, issuing, and BPM software. Listed as a Merchant Warrior partner and serves overlapping APAC merchant and fintech segments.

Broad incumbents

• Braintree (PayPal): PayPal-owned payment gateway with global API, hosted checkout, and tokenized vault for merchants and platforms. Competes with Merchant Warrior on multi-currency processing and platform integrations at higher end of market.
• Authorize.Net (Visa): Established payment gateway owned by Visa offering API, hosted forms, recurring billing, and CIM. Competes with Merchant Warrior for SMB and mid-market merchants across AU/NZ and US markets.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/merchantwarrior
• LinkedInlinkedin.com/company/merchant-warrior

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Merchant Warrior