What Live Payments does

Live Payments is a 100% Australian-owned payment solutions provider, headquartered in Sydney and operating as a full acquirer across Australia and New Zealand. Founded in 2006 by Macquarie Bank as a taxi-specific payments provider, the company was privatized in 2008, diversified into broader EFTPOS services in 2011, and rebrand-merged its product lines in 2022 under the unified Live Payments brand, operating today through a group of wholly-owned subsidiaries (Live Group Pty Ltd, Live Payments Pty Ltd, Live eftpos Pty Ltd, Taxi E Pay Pty Ltd trading as Live Taxi, Live Payments A&I Pty Ltd, and Live Payments Bill Payments Pty Ltd).

The company's core technology stack comprises payment terminals (the DX8000 standalone smart terminal, A920Pro portable terminal, and Verifone P400 Plus countertop terminal), mobile payment acceptance via the LiveTap smartphone-based solution and Tap on Phone, an e-commerce online payments gateway, and the Live Bill Pay platform. Underlying connectivity runs on the Telstra 4G network with PCI-DSS compliant, APCA-approved, and EMV-certified devices. The platform supports all major card networks (Visa, Mastercard, American Express, eftpos, UnionPay, Discover, WeChat Pay, Alipay+) and integrates with 750+ POS systems including Square, Shopify, Lightspeed, Vend, and Clover. Acquiring processing is partially routed through Wpay (for certain terminal products and NZ operations) and Zepto Payments (for BECS direct debit settlement).

Live Payments serves over 10,000 small and medium businesses across retail, hospitality, health, taxi, and other verticals, monetizing primarily through transaction processing fees starting at 1.20%, recurring terminal rental fees (e.g., $39/month ex GST for taxi operators below processing thresholds), and affiliate commissions from Qantas Business Rewards referrals. The flagship value proposition is the 2017 Qantas Business Rewards partnership, which allows merchants to earn Qantas Points on transactions (up to 1 point per $1 on the Black plan). The company also distributes the LiveCard reloadable Visa prepaid card (issued by Oxygen Global), merchant cash advances, instant settlement, and a virtual terminal. Distribution is sales-led via direct website and phone (1300 780 788), supplemented by Qantas referral channels, a POS reseller network, and most recently a November 2025 channel partnership with Pipe to distribute embedded finance products to Australian SMBs.

Name

Live Payments

Legal name

Live Group Pty Ltd

Website

https://livepayments.com

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

51–100 employees

Short description

Live Payments is a 100% Australian-owned payment acquirer serving 10,000+ SMBs across Australia and New Zealand with payment terminals, mobile (LiveTap), online, and taxi payment solutions, differentiated by its Qantas Business Rewards loyalty partnership.

Ownership category

akta.pro rank

Product category

Payment Processing Services

NAICS

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

akta.pro primary industry

Loyalty, Points Currency & Stored Value Payments (THALAHAK)

akta.pro secondary industries

Invoicing, Pay-by-Link & Virtual Accounts (CRAFALAJ), Recurring Billing, Subscriptions & Tokenized Payments (CRAFALAH)

Keywords

• Payment processing services
• Merchant acquiring solutions
• EFTPOS payment terminals
• Mobile payment acceptance
• Online payment gateway

Headquarters

HQ city

Sydney

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Transaction Processing Fees: Live Payments charges transaction fees on card payments processed through their terminals and online payment solutions. Fees vary by plan tier with rates starting from 1.20%
2. Terminal Rental: Monthly rental charges for payment terminals. For taxi operators, rental fees apply with thresholds (e.g., $39 ex GST per month for standard plan if processing less than $500 in card transactions). Black plan has different thresholds based on region ($2,000 or $1,500 in lower-volume states)
3. Qantas Business Rewards Partnership: Earn commission through Qantas Business Rewards membership referrals. QBR join fee of $89.50 including GST waived for Live Payments customers who join via specific referral link

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels3 records

Core offering

Live Payments is a 100% Australian-owned payment solutions provider that supplies EFTPOS hardware terminals (DX8000, A920Pro, P400 Plus), mobile (LiveTap) and online payment acceptance, taxi-specific payment processing, business bill pay, and the LiveCard reloadable Visa prepaid card. The company processes card transactions on behalf of over 10,000 Australian small and medium businesses, with a unique Qantas Business Rewards loyalty integration that lets merchants earn Qantas Points on every transaction.

Product overview

Live Payments is a 100% Australian owned payment solutions provider (established 2006, formerly part of Macquarie Bank, headquartered in Australia) offering a unified payments platform with hardware terminals, software solutions, and financial services. The core product portfolio includes payment terminals (DX8000 standalone smart terminal, A920Pro portable terminal, P400 Plus countertop terminal), mobile payments (LiveTap for smartphone-based payments), and online/e-commerce payment processing. The company provides specialized vertical solutions for taxi payments and bill payments, and issues the LiveCard prepaid Visa card through partnership with Oxygen Global. A key differentiator is the Qantas Business Rewards loyalty program partnership, enabling merchants to earn Qantas Points on transactions. The platform supports 750+ POS system integrations and processes all major card networks including Visa, Mastercard, American Express, eftpos, UnionPay, WeChat Pay, and Alipay+. Services operate over Telstra's 4G network with 24/7 customer support.

Differentiator

Problem solved

Functional benefit

Brands

• LiveCard Prepaid Visa Card: Reloadable Visa Prepaid Card issued by Oxygen Global Pty Ltd, promoted by Live Payments, allowing users to load funds and use them anywhere Visa Prepaid is accepted globally.
• LiveTap
• Live Bill Pay
• DX8000
• A920Pro
• P400

Products and services

• DX8000 Standalone Smart Terminal Premium standalone smart terminal with fast processing, 4G SIM backup, built-in printer, 6-inch touchscreen, and all-day battery for accepting card payments anywhere, anytime. Targeted at Australian SMB merchants needing a portable, all-in-one in-store device.
• A920Pro Portable Terminal Portable PAX terminal with 5.5-inch touchscreen, integrated printer, and 4G SIM backup. Integrates seamlessly with POS systems and accepts contactless, chip + PIN, and magnetic stripe transactions. Used by Australian SMBs and taxi operators.
• P400 Plus Countertop Terminal Verifone countertop terminal optimized for integration with existing POS systems, featuring a premium PIN pad. Positioned by Live Payments as ideal for grocery, hospitality, and health industries.
• LiveTap Mobile Payments Mobile payment acceptance solution that allows Australian businesses to take card payments using their smartphone, supporting contactless, chip + PIN, and magnetic stripe transactions. Targeted at SMBs and on-the-go merchants that want to accept payments without dedicated hardware.
• Online Payments E-commerce payment gateway that enables Australian businesses to safely and securely accept online card payments. Integrates with 750+ POS and e-commerce systems.
• Live Bill Pay Business bill payment service that lets Australian businesses make and accept payments while earning Qantas Points on transactions, differentiated by the Qantas Business Rewards loyalty integration.
• Taxi Payments Specialized payment processing and EFTPOS terminal solution for Australian taxi and transport operators, with bespoke Taxi and Taxi Black plans, in-vehicle terminals, and rental-threshold pricing tailored to driver-level processing volumes.
• Fee Free EFTPOS EFTPOS payment solution with no per-transaction fees and Qantas Points earning capability (3 Qantas Points per $25 transacted). Targeted at Australian merchants prioritizing zero transaction fees.
• LiveCard Prepaid Visa Card Reloadable Visa prepaid card issued by Oxygen Global Pty Ltd (AFSL 452 187) and promoted by Live Payments. Allows users to load funds and use them anywhere Visa Prepaid is accepted globally, including ATM withdrawals, online purchases, and card-to-card transfers.
• Triple Qantas Points Promotion Limited-time promotional offer for new Australian customers providing triple Qantas Points for 30 days on Live Payments transactions, with maximum earn rates of 3 Qantas Points per $1 on the Black plan.

Quantifiable outcome

• Earn up to 1 Qantas Point per $1 transacted on Black plan
• +2 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration19 records

AI capability1 record

Feature8 records

Partnerships

Six partnerships are on record, tiered core, flagship and supporting.

• PipecoreChannel Partner/ Reseller/ Distributor · 19 November 2025Pipe announced expansion into the Australian market through a partnership with Live Payments. This partnership allows Pipe to offer its embedded financing products to Australian small businesses through Live Payments' existing merchant network.
• Qantas Business RewardsflagshipGTM or Marketing Partner · 1 January 2017Live Payments has a strategic partnership with Qantas Business Rewards enabling businesses to earn Qantas Points on all payment transactions. This partnership was a first for earning Qantas Points on payment devices. Businesses must be QBR members to earn points, with the join fee typically $89.50 including GST but waived for Live Payments customers.
• TelstracoreTechnology or IntegrationLive Payments leverages Telstra's 4G mobile network for connectivity. Using Australia's largest mobile network delivers high quality and efficient services to all Live Payments customers. Terminals include 4G SIM backup for reliable connectivity.
• Oxygen GlobalsupportingOEM/ Whitelabel/ Licensing PartnerOxygen Global Pty Ltd issues the Live Payments Reloadable Visa Prepaid Card. Oxygen Global is the Issuer (AFSL 452 187) while Live Payments acts as the promoter arranging for the promotion and sale of the prepaid product on behalf of Oxygen Global.
• Zepto PaymentssupportingTechnology or IntegrationZepto Payments Pty Ltd (ACN 604 057 598) handles direct debit request processing for merchant settlements and fee collections through the Bulk Electronic Clearing System (BECS) in Australia and Payments NZ Direct Debit system in New Zealand.
• WpaysupportingTechnology or IntegrationWpay serves as the acquiring partner for certain Live Payments terminal products (PAX A920, A80, A77, A35 for specific installations; Verifone P400 and V400m; and New Zealand products including Verifone P630 and V660 for Visa, Mastercard, and eftpos).

Scale indicators5 records

Recent moves14 records

Expansion highlights5 records

Market position

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/live_payments
• Facebookfacebook.com/Livepayments
• LinkedInlinkedin.com/company/livepayments
• Instagraminstagram.com/livepayments

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries5 records

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 Live Payments