Omipay

What Omipay does

Omipay (OMIPAY PTY. LTD., DBA O米支付) is an Australian-incorporated, privately held cross-border payment technology company that operates as an aggregator connecting global — primarily Australian — merchants with Chinese consumer payment rails. The platform unifies WeChat Pay (Tencent), Alipay (Ant Financial), UnionPay, JD Pay, QQ Wallet, and POLI behind a single API with automated channel recognition, claiming 0.5-second end-to-end processing and same-day (T+0) settlement 365 days a year via Australia's NPP (New Payments Platform), including weekends and public holidays. The company holds Australian Financial Services License (AFSL) number 495025 — claimed as the first independent financial license issued to a Chinese-owned payment company in Australia — and PCI DSS Level 1 certification, with an in-house ASIC-aligned compliance team handling AML/CTF.

The product surface spans two core acquiring modules — online collection (for e-commerce, travel, and education) and in-store/POS collection (for supermarkets, restaurants, and retail) — augmented by a global multi-currency account, batch payouts, international transfers, global collection, and FX. Industry-specific solutions are packaged for e-commerce, internet platforms (with real-time and delayed account-splitting / 分账), offline retail, and SaaS systems. The developer-facing API platform markets a 7-line-code integration and 5-minute onboarding, supported by a self-serve SMB flow and a sales-assisted enterprise motion. Revenue is generated exclusively as a per-transaction fee with no registration, monthly, or subscription component; specific rate tiers are not publicly disclosed. Customer logos include Chanel, Chantelle, APM Monaco, Air China, Quanjude (全聚德), Aumake Limited, IGA Australia, and Lotus POS, spanning luxury, aviation, F&B, and SMB retail.

Omipay is founder-controlled with no disclosed institutional funding, no parent company, and no subsidiaries. Operating geographies are explicitly Australia and China, with global merchant onboarding positioned via the corporate website. There is no publicly disclosed revenue, headcount, GMV, or valuation in the source material, and no AI/ML capabilities are described. The business is operationally active (status: operating), and regulatory standing is the central credibility anchor — AFSL 495025 plus PCI DSS Level 1 — under which the aggregation, settlement, and compliance stack is delivered to merchants.

Name

Omipay

Legal name

OMIPAY PTY. LTD.

Website

https://omipay.com.au

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Omipay is an Australian-incorporated, privately held cross-border payment aggregator that lets global merchants accept Chinese consumer payments (WeChat Pay, Alipay, UnionPay, JD Pay, QQ Wallet, POLI) via a single API with T+0 NPP-based settlement. It serves enterprise and SMB merchants across e-commerce, retail, travel, aviation, and SaaS on a pure per-transaction fee model.

Ownership category

akta.pro rank

Product category

Cross-Border Payment Processing

NAICS

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

SIC

Finance Services (6199)

akta.pro primary industry

Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)

akta.pro secondary industries

Cross-Border & FX Payments Platforms (BPAMAFAK), A2A Checkout & Merchant Acceptance Solutions (FSAMAFAF), Cross-border Payments & FX for E-commerce (CRAFALAF)

Keywords

• Cross-border payments
• Payment aggregation
• Chinese payment methods
• Merchant payment processing
• API payment integration

Headquarters

HQ city

Elizabeth

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Transaction Fee Revenue: Omipay charges merchants a fee per transaction. There are no registration fees or monthly fees. Merchants pay exclusively based on transaction volume (按每笔交易额支付手续费). This is a pure transaction-based revenue model with no recurring subscription component.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Omipay is a cross-border payment technology service provider that aggregates major Chinese payment channels (WeChat Pay, Alipay, UnionPay, JD Pay, QQ Wallet, POLI) into a single API integration for global merchants. The platform delivers sub-second (0.5s) payment processing, same-day T+0 settlement via Australia's NPP network, multi-party account splitting, and multi-currency account management. It serves online and offline merchants, e-commerce platforms, internet platforms, and SaaS systems — primarily connecting Australian and global businesses to Chinese consumers.

Product overview

Omipay is a cross-border payment platform offering a unified platform with multiple modules. The core products include two main collection solutions—线上收款 (Online Collection) for e-commerce and digital platforms, and 门店收款 (In-store Collection) for physical retail—supported by financial services such as 环球账户 (Global Account) for multi-currency management, 批量付款 (Batch Payment), 国际汇款 (International Transfer), and 全球收款 (Global Collection). Industry-specific solutions serve e-commerce, internet platforms, offline retail, and SaaS systems. The platform provides a developer API for integrating payment capabilities into applications, enabling merchants to connect all mainstream Chinese payment channels including WeChat Pay, Alipay, UnionPay, JD Pay, POLI, and QQ Wallet.

Differentiator

Problem solved

Functional benefit

Products and services

• Online Collection (线上收款) Online payment collection solution for e-commerce, tourism, and education institutions. Provides multiple collection methods and API services for different platforms, enabling merchants to conduct global business conveniently by accepting Chinese payment channels online.
• In-store Collection (门店收款) In-store payment solution for supermarkets, restaurants, and retail shops. Includes professional collection devices and store payment solutions that easily integrate all mainstream payment channels, expanding the customer base to global tourists such as Chinese consumers.
• Global Account (环球账户) Multi-currency account management service enabling flexible collection, payment, and multi-currency account management for cross-border transactions, supporting AUD/CNY and additional currencies.
• Batch Payment (批量付款) Batch payment service for processing multiple payments simultaneously, suitable for enterprise payment needs including payouts to multiple recipients.
• International Transfer (国际汇款) International money transfer service enabling cross-border fund transfers between accounts and currencies.
• Global Collection (全球收款) Global payment collection service for receiving international payments from cross-border customers.
• Omipay API Platform Developer API platform enabling businesses to integrate Omipay's payment capabilities into applications with simple 7-line code integration, supporting Global Account, Global Collection, International Payment, and Foreign Exchange APIs.
• E-commerce Industry Solution (电商行业解决方案) Industry-specific solution providing aggregated payment, financial management, and technical support services for e-commerce merchants expanding into global markets.
• Internet Platform Solution (互联网平台解决方案) Solution providing aggregated payment, batch auto-distribution, and risk control services for internet platforms, enabling recipients (收款人) to receive payments more flexibly and securely.
• SaaS System Solution (SaaS系统解决方案) Solution providing aggregated payment and billing services for SaaS systems, significantly improving enterprise operational efficiency.
• Offline Retail Solution (线下零售解决方案) Solution providing aggregated payment, professional device support, and multi-currency settlement for offline retail businesses such as supermarkets, restaurants, and grocery shops.

Quantifiable outcome

• 0.5-second payment processing across all integrated channels
• +3 more outcomes

Named customers11 records

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature5 records

Partnerships

Eight partnerships are on record, tiered core.

• WeChat Pay (腾讯微信支付)coreTechnology or IntegrationWeChat Pay is integrated as one of the primary payment channels on the Omipay platform, enabling global merchants to accept WeChat Pay payments from Chinese consumers.
• Alipay (蚂蚁金服/支付宝)coreTechnology or IntegrationAlipay is integrated as one of the primary payment channels on the Omipay platform, enabling global merchants to accept Alipay payments from Chinese consumers.
• UnionPay (银联支付)coreTechnology or IntegrationUnionPay is integrated as one of the primary payment channels on the Omipay platform, enabling global merchants to accept UnionPay card payments.
• JD Pay (京东支付)coreTechnology or IntegrationJD Pay is integrated as one of the payment channels on the Omipay platform, enabling payments via JD.com's payment service.
• QQ Wallet (QQ钱包)coreTechnology or IntegrationQQ Wallet is integrated as one of the payment channels on the Omipay platform, enabling payments via Tencent's QQ payment service.
• POLI PaymentscoreTechnology or IntegrationPOLI is integrated as a payment channel on the Omipay platform, enabling POLI bank transfer payments for Australian consumers.
• Australian NPP (New Payments Platform)coreTechnology or IntegrationOmipay leverages Australia's NPP (New Payments Platform) fast transfer network for real-time settlement of transactions to merchant bank accounts, operating 7*24 hours.
• PCI DSS CertificationcoreTechnology or IntegrationOmipay has achieved PCI DSS (Payment Card Industry Data Security Standard) certification, the highest security level in the payment industry, reaching bank-level security standards.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Regional players

• POLI Payments: Australia and New Zealand-based online bank transfer payment service integrated into the Omipay platform. Comparable as a regional payment method partner, with overlapping geographic focus though different product scope (bank transfers rather than wallet/card aggregation).
• Novatti: Australian-listed fintech providing cross-border payments, remittance, and digital wallet services across Asia-Pacific. Comparable as an Australian-headquartered payment services company with cross-border and multi-currency capabilities, serving similar merchant and SMB segments.

Broad incumbents

• Stripe: Global payments infrastructure platform with API-first integration, supporting hundreds of payment methods including Alipay and WeChat Pay for cross-border e-commerce. Comparable in developer-friendly API model and merchant aggregation role, though broader and more global in reach.
• UnionPay International: International arm of China's UnionPay card network, enabling cross-border card acceptance globally. Comparable in offering Chinese payment method acceptance to overseas merchants, but as a network operator rather than an aggregator.
• WeChat Pay International (Tencent): Tencent's international expansion of WeChat Pay enabling overseas merchants to accept payments from Chinese users. Another channel provider integrated into Omipay, but increasingly pursuing direct merchant relationships globally.
• Alipay+ (Ant Group): Ant Group's cross-border mobile payment and merchant services platform enabling global merchants to accept payments from Chinese and other Asian consumers. Operates at much larger scale as one of the channel providers Omipay integrates, representing both partner and competitive threat.
• Adyen: Global payment processor offering unified online, in-store, and platform payments with broad international coverage. Comparable in being a single-integration multi-method aggregator, though serving global merchants generally rather than specializing in Chinese payment methods.
• Payoneer: Cross-border payment platform serving SMBs, marketplaces, and freelancers with multi-currency accounts and international receiving accounts. Comparable in serving merchants needing cross-border collection, though more focused on B2B payouts and marketplace payments than Chinese consumer payment acceptance.

Direct peers

• Airwallex: Australian-headquartered cross-border payments platform serving global merchants with multi-currency accounts, FX, and acceptance. Most directly comparable to Omipay by geography (Australia HQ), customer segment (global merchants), and product set, though Airwallex is broader in scope and significantly larger.

Emerging players

• dLocal: Cross-border payment processor focused on emerging markets, enabling global merchants to accept local payment methods. Comparable in the cross-border aggregator model and emerging-market payment expertise, though focused on LATAM and Africa rather than China.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/omipay

Compliance2 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 Omipay