Payment Express

What Payment Express does

Payment Express, now operating under the Windcave brand, is a New Zealand-based payment technology company founded in the late 1990s that provides PCI DSS Level 1 compliant payment processing solutions for ecommerce, retail, and unattended environments. The company operates a global end-to-end platform spanning 9 countries with offices in Auckland, Sydney, London, Los Angeles, Atlanta, Vancouver, Singapore, Hong Kong, and Dublin. Its product suite is organized around three core segments: online payments (PxPay 2.0 hosted payment page, PxPost XML API, PxFusion hybrid integration, SOAP Web Service, and IVR phone-based payments), in-store retail/EFTPOS (PxPP and iWL250 terminals), and unattended payments (SCR200E EMV-compliant terminals, SKP200E PIN pads, BRF210 contactless antennas, and vending-specific variants), complemented by Payline browser-based transaction management and Payline Batch for high-volume CSV processing.

Underlying the platform is a token billing system, DUKPT key management, 3D Secure authentication via MPI, and integrations with 18 partners including the major card schemes (Visa, MasterCard, Amex, Discover, JCB, UnionPay, Diners, Interac), alternative payment methods (Apple Pay, PayPal), ecommerce platforms (Magento, WooCommerce, Shopify, PrestaShop), and acquirer banks (BNZ, NAB, HSBC, Barclaycard). Transactions process in 3-5 seconds with next-day settlement, and the platform supports multi-currency processing and up to 9,989 merchant bank accounts per interface.

Payment Express generates revenue through three primary streams: per-transaction fees with monthly included transaction allotments and overage charges (e.g., $0.14-$0.15 per overage transaction in the US), recurring monthly subscriptions across Starter ($25/month, 175 transactions), Business ($60/month, 450 transactions), Corporate, and Enterprise tiers, and one-time setup and configuration fees ($49-$100 setup, plus fees for additional bank accounts, users, and multi-currency configuration). Go-to-market is hybrid: API self-service for SMBs, direct enterprise sales for large merchants, and channel partnerships through ecommerce platforms and reseller networks. The company reports over 30,000 unattended payment devices deployed worldwide.

Name

Payment Express

Legal name

Payment Express

Website

https://paymentexpress.com

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

51–100 employees

Short description

Payment Express (Windcave) is a New Zealand-headquartered PCI DSS Level 1 payment technology provider offering ecommerce, retail, and unattended payment processing solutions across 9 countries. The company serves SMB through enterprise merchants via APIs, hosted payment pages, EFTPOS terminals, and EMV-compliant unattended hardware.

Ownership category

akta.pro rank

Product category

Payment Processing Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Activities Related to Credit Intermediation (5223), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Finance Services (6199)

akta.pro primary industry

Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)

akta.pro secondary industries

Integrated POS Payments (ISVs & Vertical POS Platforms) (FSAMADAD), Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)

Keywords

• Payment gateway services
• Credit card processing
• EFTPOS terminals
• Unattended payments
• Ecommerce payment processing

Headquarters

HQ city

Auckland

HQ country

New Zealand

HQ region

Oceania

Offices9 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Transaction Processing Fees: Payment Express charges per-transaction fees based on volume tiers. Transactions beyond the included allotment in monthly plans incur overage fees.
2. Monthly Service Fees: Recurring monthly subscription fees based on pricing tiers (Starter $25, Business $60, Corporate/Enterprise POA) that include a set number of transactions.
3. Setup and Configuration Fees: One-time setup fees for new merchant accounts ($49-$100 depending on tier) and additional fees for multi-currency configuration ($50), additional merchant bank accounts ($40), and additional user accounts ($5).
4. Gateway Services: PCI DSS Level 1 compliant payment gateway services providing connection to credit card processing companies and merchant accounts for ecommerce merchants.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

Payment Express (now Windcave) is a global end-to-end payment technology platform providing PCI DSS Level 1 compliant payment processing solutions for ecommerce, retail (EFTPOS), and unattended environments. The company offers hosted payment pages (PxPay 2.0), merchant-hosted APIs (PxPost, PxFusion, Web Service), phone-based IVR payments, browser-based transaction management (Payline), batch processing (Payline Batch), Account2Account online bank transfers, and proprietary unattended EMV terminals (SCR200E series) with support for all major card schemes including Visa, MasterCard, American Express, PayPal, Apple Pay, Interac, UnionPay, JCB, Discover, and Diners Club.

Product overview

Payment Express (now Windcave) is a global end-to-end payment technology platform offering a comprehensive suite of products across three segments: online/eCommerce payments, retail/EFTPOS, and unattended payments. The core product portfolio includes hosted payment page solutions (PxPay 2.0), merchant-hosted APIs (PxPost, PxFusion), SOAP web services, phone-based IVR payments, Payline browser-based transaction management, and Payline Batch for high-volume CSV processing. For unattended environments, the company offers hardware including SCR200E terminals, SKP200E PIN keypads, BRF210 contactless antennas, and vending machine variants. All solutions are PCI DSS compliant with multi-currency and multi-acquirer support.

Differentiator

Problem solved

Functional benefit

Brands

• PxPay 2.0: Hosted Payment Page solution for secure online credit card processing
• PxPost
• PxFusion
• Payline
• Payline Batch
• Payment Express IVR
• Web Service
• SCR200E
• SKP200E
• BRF210
• SCR200E VM
• Account2Account

Products and services

• PxPay 2.0 Hosted Payment Page (HPP) solution that captures credit card information securely without exposing merchants to sensitive card data, reducing PCI compliance scope. Designed for merchants of all sizes needing quick integration.
• PxPost XML-based API for merchant-hosted payment solutions using HTTPS protocol. Platform and language independent with multi-currency support, enabling direct transaction submission from merchant servers.
• PxFusion Hybrid integration solution allowing merchants to accept credit card details within their own page while posting sensitive data directly to Payment Express via SOAP web service, balancing control and compliance.
• Web Service API SOAP-based web service API for direct integration with the Payment Express gateway via HTTPS, supporting multiple programming languages and platforms with WSDL documentation.
• Payment Express IVR Interactive Voice Response phone-based payment solution enabling secure credit card processing through configurable call scripts within Payment Express's PCI compliant environment, ideal for call centers and MOTO.
• Payline Browser-based application for manual credit card transaction processing, refunds, recurring payments, and intelligent reconciliation reporting. Included free with all Payment Express solutions.
• Payline Batch Batch processing solution for CSV file-based credit card payment transactions with configuration options for delimiters and retry settings, supporting high-volume processing requirements.
• Account2Account Online bank transfer payment solution enabling merchants to accept payments directly into their bank account via customer's online banking portal as an alternative to credit card payments.
• SCR200E Unattended Payment Terminal EMV compliant unattended payment terminal accepting magnetic stripe, ICC chip, and contactless payments in encrypted environment. Works standalone or with SKP200E keypad and BRF210 contactless antenna for unattended environments including vending, parking, and kiosks.
• SCR200E VM Vending Machine Terminal Vending machine-specific variant of the SCR200E with LCD display, ICC chip, magnetic stripe reader, and contactless capabilities, designed specifically for self-service vending applications.
• SKP200E Secure Key Pad PIN entry device accompanying the SCR200E with backlit keys and LCD screen for user-friendly PIN entry in unattended payment environments.
• BRF210 Contactless Antenna Contactless antenna enabling tap-and-go payments, designed to work alongside the SKP200E and SCR200E devices in unattended payment scenarios.

Quantifiable outcome

• Transactions processed within 3-5 seconds
• +3 more outcomes

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration14 records

Feature9 records

Partnerships

13 partnerships are on record, tiered core.

• MagentocoreTechnology or IntegrationPre-built integration partnership with Magento ecommerce platform, allowing merchants to easily add Payment Express payment processing to their Magento-powered online stores.
• WooCommercecoreTechnology or IntegrationIntegration partnership with WooCommerce (WooThemes) enabling Payment Express payment gateway integration for WordPress-based ecommerce websites.
• ShopifycoreTechnology or IntegrationOfficial integration partnership with Shopify allowing merchants to connect Payment Express payment processing to their Shopify stores.
• PrestaShopcoreTechnology or IntegrationIntegration partnership with PrestaShop providing Payment Express payment gateway as an option for PrestaShop merchants.
• BNZ (Bank of New Zealand)coreTechnology or IntegrationOne of only two banks (along with NAB) that supports multiple currency processing for Payment Express merchants. Processes Visa and MasterCard payments.
• NAB (National Australia Bank)coreTechnology or IntegrationOne of only two banks that supports multiple currency processing for Payment Express merchants. Processes Visa and MasterCard payments.
• VisacoreTechnology or IntegrationPayment brand partnership enabling acceptance of Visa cards across all Payment Express payment solutions.
• MasterCardcoreTechnology or IntegrationPayment brand partnership enabling acceptance of MasterCard across all Payment Express payment solutions.
• American ExpresscoreTechnology or IntegrationPayment brand partnership enabling acceptance of American Express cards. Merchants need separate merchant facilities with American Express.
• PayPalcoreTechnology or IntegrationPayment brand integration supporting PayPal as a payment method option for ecommerce merchants using Payment Express gateway.
• Apple PaycoreTechnology or IntegrationMobile payment integration supporting Apple Pay for contactless and mobile payment acceptance through Payment Express solutions.
• InteraccoreTechnology or IntegrationCanadian debit network partnership enabling Interac payment acceptance. Includes specific merchant feedback processes for Canada compliant with Code of Conduct for Credit and Debit Card Industry.
• UnionPaycoreTechnology or IntegrationInternational payment brand partnership supporting UnionPay cards including UPOP (UnionPay Online Payments) for cross-border commerce.

Scale indicators4 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Adyen: Adyen is a global unified payments platform providing gateway, processing, and acquiring services for enterprise merchants. It directly competes with Payment Express's end-to-end platform, particularly in multi-currency, multi-acquirer, and multi-channel (ecommerce, POS, unattended) scenarios.
• Worldpay (FIS): Worldpay is a large global merchant acquirer and payment processor offering gateway, POS, and ecommerce solutions. It competes head-to-head with Payment Express's end-to-end platform, particularly in retail/EFTPOS and ecommerce markets across the US, UK, and APAC.
• Stripe: Stripe is a leading global payment gateway and processing platform serving online and in-person merchants with developer-first APIs. It directly competes with Payment Express's PxPay/PxPost ecommerce gateway solutions and offers similar multi-currency, multi-payment-method capabilities.
• Checkout.com: Checkout.com is a global payment gateway and processor focused on enterprise digital commerce with unified acquiring and processing. It directly competes with Payment Express's multi-currency, multi-acquirer gateway proposition for mid-market and enterprise merchants.
• Verifone: Verifone is a global provider of payment terminals and POS hardware, including unattended solutions for vending, parking, and kiosks. It competes directly with Payment Express's SCR200E/SKP200E/BRF210 unattended hardware portfolio.
• Braintree (PayPal): Braintree is PayPal's developer-focused payment gateway offering unified APIs for online, mobile, and marketplace payments. It directly competes with Payment Express's PxPost/PxFusion ecommerce gateway offerings for mid-market and enterprise merchants.
• Ingenico (Worldline): Ingenico, now part of Worldline, is a leading provider of payment terminals and integrated POS solutions including unattended environments. It competes with Payment Express across unattended hardware and integrated retail/EFTPOS offerings.
• Square (Block): Square provides integrated payment processing, POS hardware, and ecommerce gateway services targeting SMB and mid-market merchants. It competes with Payment Express across both unattended/retail hardware (SCR200E vs Square Terminal) and ecommerce gateway offerings.

Emerging players

• eWAY: eWAY is an Australia-based payment gateway and processor serving ANZ ecommerce merchants with similar hosted payment page and API solutions. It is the most direct regional competitor to Payment Express in its home ANZ market.
• Merchant Warrior: Merchant Warrior is an Australia-based payment gateway provider offering hosted and API-based solutions for ecommerce and retail merchants. It is a regional peer in the ANZ market where Payment Express has its strongest presence.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/PaymentExpress
• LinkedInlinkedin.com/company/388814
• Facebookfacebook.com/217895628254535

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

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 Payment Express