GreenPay
GreenPay is an Australian payments company offering online, embedded, invoice, and in-person payment solutions built on Fiserv infrastructure, directing 50% of its profits to the GreenPay Foundation for Australian nature conservation. It serves SaaS platforms, SMBs, charities, and values-aligned merchants across Australia.
- Company typePrivate
- Founded-
- HeadquartersSydney, Australia
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What GreenPay does
GreenPay is an Australian-owned, Sydney-based payments company (GreenPay Australia Pty Ltd, ABN 42 674 964 973) that operates a unified payment infrastructure across four product lines — online payments, embedded payments for SaaS platforms and marketplaces, invoice payments integrated with Xero/MYOB/QuickBooks, and in-person Clover/Fiserv terminal payments. The technology stack is built on multi-region AWS infrastructure with REST APIs, JavaScript and React SDKs, PCI DSS Level 1 certification, 3DS 2.0, network tokenisation across Visa/Mastercard/Eftpos, least-cost routing for Australian debit cards, and sub-merchant onboarding infrastructure for platform embedding; core processing capacity is delivered in partnership with Fiserv Australia, and GreenPay is a contracted reseller of Fiserv/Clover solutions.
The company monetises through transaction fees on merchant payment volume (off-the-shelf blended pricing at 1.4% in-store and 1.5% online, with interchange++ available for high-volume merchants), hardware sales/rental of Clover terminals, and a basis-points fee-split model for platforms embedding GreenPay. It targets SaaS platforms, retail and hospitality SMBs, service businesses using accounting software, not-for-profits/charities, and selected enterprise accounts. Distribution is primarily direct inside-sales with HubSpot-driven meeting booking, supplemented by self-serve developer documentation, accounting-platform integrations as embedded channels, and the Social Traders network for corporate/government procurement.
GreenPay's defining structural feature is its social enterprise model: 50% of profits are donated to the GreenPay Foundation Ltd (an ACNC-registered charity with DGR status and an independent Advisory Board) for Australian nature conservation, a mechanism written into the company constitution since inception. The company is certified as a Social Enterprise by Social Traders, is a Pledge 1% member, and reports technical performance metrics of 99.999% uptime, 916ms average transaction time, and 98%+ authorisation rates. CEO Glenn Bartlett leads the founder-led, privately held company, which has no disclosed external funding rounds.
GreenPay firmographics
Firmographics- Name
- GreenPay
- Legal name
- GreenPay Australia Pty Ltd
- Website
- https://greenpay.au
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- GreenPay is an Australian payments company offering online, embedded, invoice, and in-person payment solutions built on Fiserv infrastructure, directing 50% of its profits to the GreenPay Foundation for Australian nature conservation. It serves SaaS platforms, SMBs, charities, and values-aligned merchants across Australia.
- Ownership category
- akta.pro rank
GreenPay industry classification
Industry- Product category
- Payment Processing Services
- NAICS
- 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 industry
- Merchant Acquiring & Card Processing (PSPs) (CRAFALAB)
Keywords
Where GreenPay is headquartered
LocationHeadquarters
- HQ city
- Sydney
- HQ country
- Australia
- HQ region
- Oceania
Offices1 record
Markets served
GreenPay business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Operations, Technology or R&D, Personnel, Marketing or Sales, Supply Chain, Others
Revenue model
- Online Payment Gateway Fees: Transaction fees charged on online card payments processed through the gateway; supports blended or interchange++ pricing models; percentage-based fee (1.4% in-store, 1.5% online off-the-shelf) plus per-transaction dollar fees; competitive rates with price-match guarantee.
- In-Person Terminal Payments: Transaction fees on payments processed through Clover POS terminals and standalone EFTPOS hardware (Flex, Move 5000, PAX A920); supports least-cost routing for eftpos debit cards; same-day settlement available.
- Invoice Payment Processing: Fees on invoice payments processed through Xero, MYOB, and QuickBooks integrations; supports click-to-pay, auto-debit, instalments, and subscription models; no setup, monthly, or minimum fees — pay-per-transaction.
- Embedded Payments Platform: Platforms embed GreenPay payments and earn margin on each sub-merchant transaction; fee split configurable (e.g., 'platform_bps' basis points); recurring margin from every transaction processed by onboarded sub-merchants.
- Terminal Hardware Sales/Rental: Clover hardware devices (Flex, Mini, Duo, Go) and PAX/Move 5000 terminals provided to merchants; likely generates hardware rental or one-time revenue.
- Donation to Nature (Cost Offset): 50% of GreenPay profits are donated to the GreenPay Foundation for Australian nature conservation. This is not a revenue stream but a cost structure that defines the company's social enterprise model and differentiates the product.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Off-the-shelf blended pricing — online |
| Transaction based/ take rate | Pay-as-you-go | Off-the-shelf blended pricing — in-person |
| Transaction based/ take rate | Pay-as-you-go | Interchange++ (IC++) pricing |
| Transaction based/ take rate | Pay-as-you-go | Charity / NFP pricing |
| Transaction based/ take rate | Pay-as-you-go | Embedded / platform pricing |
Go-to-market motion5 records
Distribution channels6 records
Marketing channels8 records
GreenPay product offering
Product offeringCore offering
GreenPay is an Australian payments company that processes card-present and card-not-present transactions for merchants through four product lines: an API-driven online payment gateway, Clover/POS-integrated in-person terminals, Xero/MYOB/QuickBooks-connected invoice payments, and embedded payments infrastructure for SaaS platforms. The company is a contracted reseller of Fiserv and Clover solutions, and 50% of its profits are directed to the GreenPay Foundation for Australian nature conservation.
Product overview
GreenPay is an Australian-owned payments company offering a unified suite of payment solutions built on enterprise-grade infrastructure. The portfolio comprises four core product lines: Online Payments (API-accessible gateway for cards, wallets, recurring, and account-to-account), In-Person Payments (Flex, Move 5000, and PAX A920 terminals with 700+ POS integrations), Invoice Payments (Xero/MYOB/QuickBooks-connected invoice-to-payment solution), and Embedded Payments (platform infrastructure for SaaS, marketplaces, and ISVs). A complementary layer includes Clover POS hardware (Flex, Mini, Duo, Go all-in-one systems), payment links, virtual terminal, and a purpose-built donation platform. All solutions are underpinned by 99.999% uptime, PCI DSS Level 1 certification, and 3DS 2.0/fraud detection, with 50% of profits directed to Australian nature conservation via the GreenPay Foundation.
Differentiator
Problem solved
Functional benefit
Products and services
- Online Payments Enterprise-grade online payment gateway accessible via a single REST API. Supports cards, digital wallets (Apple Pay, Google Pay, Click to Pay), eftpos direct, account-to-account debits, recurring/subscriptions, and instalment plans. Features 99.999% uptime, network tokenisation, intelligent least-cost routing, 3DS 2.0, and real-time fraud decisioning. Targets online merchants, SaaS platforms, and software companies globally.
- Embedded Payments Embedded payments infrastructure for software platforms, marketplaces, and ISVs. Offers sub-merchant onboarding, KYC/identity verification, risk monitoring, PCI DSS compliance management, disputes/chargebacks handling, and sub-merchant-level settlement and reconciliation. Supports referral, co-branded, embedded, and white-label deployment models with configurable fee splits (basis points).
- Invoice Payments Invoice payment solution with native two-way integrations to Xero, MYOB, and QuickBooks. Enables click-to-pay, auto-debit on due dates, instalments, and subscriptions. Auto-reconciles payments with invoices and accounting software bank feeds. Pay-per-transaction pricing with no setup, monthly, or minimum fees.
- In-Person Payments Plug-and-play payment terminals including Clover Flex, Mini, Duo, and Go all-in-one POS systems, plus Move 5000 and PAX A920 terminals. Supports all card types, digital wallets, Wi-Fi/ethernet/4G connectivity, automatic surcharging, split bills, and tipping. Integrates with 700+ POS systems and offers same-day settlement.
- Payment Links and Virtual Terminal Virtual terminal and one-time payment links sent via email or SMS for situations where a code integration is not required. Enables sub-merchants and merchants to take payments without a full integration.
- Donation Platform Purpose-built donation platform for collecting charitable contributions. Integrated into GreenPay's payment infrastructure for charities, NFPs, and fundraising organisations.
Quantifiable outcome
- 50% of profits directed to Australian nature conservation — written into company constitution since inception
- +5 more outcomes
Companies that use GreenPay
Customer profileNamed customers15 records
Segments8 records
Ideal customer profiles5 records
GreenPay technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration23 records
Feature9 records
GreenPay partnerships and signals
Strategic signalPartnerships
Twelve partnerships are on record, tiered core, flagship and minor.
- Fiserv AustraliacoreFiserv Australia PTY LTD (ABN 15 081 056 911) is described as 'one of the world's leading providers of payment technology'. GreenPay's products and services are delivered in partnership with Fiserv. GreenPay Australia Pty Ltd is a contracted reseller of Fiserv and/or Clover solutions. Fiserv provides the underlying payment processing infrastructure that enables GreenPay's 25,000+ transactions per second capacity and global card network connectivity.
- Clover (Fiserv)coreClover is the hardware and POS brand under Fiserv. GreenPay resells Clover devices (Flex, Mini, Duo, Go) for in-person payments and all-in-one POS solutions. GreenPay positions Clover as the terminal of choice for Australian merchants switching from bank-owned terminals.
- Fat ZebracoreFat Zebra PTY LTD (ABN 89 154 014 785, APCA User ID 502574) is contracted by GreenPay to collect direct debit instalments. GreenPay Australia Pty Ltd has contracted Fat Zebra to provide the Direct Debit Request Service Agreement for merchants. Fat Zebra handles account-to-account payment collection and processing.
- Ezy RaiseflagshipEzy Raise is a digital peer-to-peer fundraising platform that has generated over $200M in funds for charity partners globally. GreenPay partnered with Ezy Raise to integrate into their existing technology platform and co-designed a new platform functionality — an embeddable donation widget. The partnership provides Ezy Raise with an additional ongoing revenue stream and a key market differentiator. This is GreenPay's featured embedded payments case study.
- Win for NatureminorWin for Nature is a social enterprise enabling Australians to participate in large-scale environmental restoration. Chose GreenPay as their payment processor for subscriptions and donations because both are mission-oriented and driven to help the planet. Win for Nature's members enjoy discounts from GreenPay's ecosystem partners (Who Gives A Crap, Heaps Normal, Huskee, Etiko, Minimum Wines, EnergyLocals), creating a connected impact community.
- GreenPay FoundationflagshipThe GreenPay Foundation Ltd (ABN 86 681 568 258) is the charitable arm that receives 50% of GreenPay's profits and distributes them to Australian conservation organisations. The Foundation has an independent Advisory Board including Rachel Lowry (CEO Bush Heritage), Prof. Michelle Leishman (Macquarie University), and Darren Grover (WWF-Australia). The Foundation selects and funds verified conservation projects including Bush Heritage Australia's Nil Desperandum Reserve, Conservation Ecology Centre's Leafy Greenhood Orchid research, and Gudjuda Rangers' Sea Turtle Monitoring program.
- Bush Heritage AustraliaminorOne of the Foundation's funded conservation partners. GreenPay funds supported Bush Heritage in purchasing and restoring Nil Desperandum — a 4,037-hectare reserve in the Murray-Darling Basin, NSW on Budjiti Country.
- Conservation Ecology Centre (Cape Otway)minorFoundation-funded conservation partner. GreenPay funds supported research into the Leafy Greenhood Orchid at Cape Otway, Victoria — a vulnerable native plant facing extinction from habitat loss and low genetic diversity.
- Gudjuda RangersminorFoundation-funded conservation partner. Gudjuda Rangers are Traditional Owners of the land and sea between Townsville and the Whitsundays. GreenPay support helped fund their 20+ year marine turtle monitoring program and cultural knowledge transfer to the next generation.
- Biodiversity CouncilminorFeatured as a charity partner and member of the GreenPay customer/partner community. Australia's leading voice on biodiversity conservation. Listed in the GreenPay homepage partner/customer logo section.
- Australian Marine Conservation SocietyminorFeatured as a charity partner and member of the GreenPay customer/partner community. AMCS is Australia's only national charity dedicated exclusively to protecting Australia's oceans and wildlife. Listed in the GreenPay homepage partner/customer logo section.
- Planet ArkminorFeatured as a charity partner and member of the GreenPay customer/partner community. An Australian environmental organisation encouraging positive environmental action. Planet Ark switched their invoice payments to GreenPay.
Scale indicators13 records
Recent moves2 records
Expansion highlights6 records
GreenPay competitors and assessment
Company assessmentDirect peers
- eWay (Global Payments): Australian payment gateway under Global Payments providing online card processing and APIs to Australian merchants; directly comparable to GreenPay's online gateway product on geography, customer base, and API-first model.
- Fat Zebra: Australian payment gateway and direct debit provider; directly comparable to GreenPay as an Australian PSP, and notably GreenPay itself contracts Fat Zebra for direct debit processing.
- Pin Payments: Australian online payment gateway offering card processing, subscription billing, and fraud tools to SMBs and platforms; directly comparable to GreenPay's online and embedded rails targeting Australian merchants.
- Zeller: Australian-founded payments and POS provider targeting SMBs with EFTPOS terminals, accounts, and integrated software; directly comparable to GreenPay's in-person and embedded merchant proposition in Australia.
- Tyro Payments: Australian EFTPOS and merchant acquiring provider serving SMEs across hospitality, retail, and healthcare; directly comparable to GreenPay's in-person and Clover terminal proposition in the Australian market.
- Smartpay: Australian EFTPOS terminal provider targeting SMBs across retail and hospitality; directly comparable to GreenPay's in-person payments and Clover hardware resale proposition in the Australian merchant market.
Regional players
- Mollie: European payment service provider offering multi-method checkout, embedded payments, and POS integrations; comparable to GreenPay's online gateway and embedded product positioning, but operating primarily in Europe rather than Australia.
Broad incumbents
- Airwallex: Australian-founded global fintech providing cross-border payments, cards, and embedded finance to platforms; comparable to GreenPay's embedded platform offering but with much broader geographic reach and FX/cross-border capabilities.
- Stripe: Global payment gateway and embedded-payments infrastructure leader; comparable to GreenPay's online, subscription, and embedded rails but with vastly broader geographic footprint and developer tooling.
- Block (Square): Global POS and payments platform (Square) plus Afterpay BNPL; comparable to GreenPay's in-person terminal and embedded SMB proposition, but at global scale and via a different hardware ecosystem.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
GreenPay social profiles
Digital presenceGreenPay compliance and trust
Trust signalCompliance6 records
GreenPay financial estimates
Financial estimateRevenue estimate
Valuation estimate
GreenPay leadership team
Management profileNumber of profiles
Profiles2 records
GreenPay subsidiaries and ownership
Company hierarchySubsidiaries1 record
GreenPay funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
GreenPay M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about GreenPay
What does GreenPay do?
GreenPay is an Australian payments company that processes card-present and card-not-present transactions for merchants through four product lines: an API-driven online payment gateway, Clover/POS-integrated in-person terminals, Xero/MYOB/QuickBooks-connected invoice payments, and embedded payments infrastructure for SaaS platforms. The company is a contracted reseller of Fiserv and Clover solutions, and 50% of its profits are directed to the GreenPay Foundation for Australian nature conservation.
Is GreenPay a public or private company?
GreenPay is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was GreenPay founded?
GreenPay was founded in -1. It employs 1 to 10 people.
Where is GreenPay based?
GreenPay is headquartered in Sydney, Australia, in the Oceania region.
How does GreenPay make money?
Six revenue lines are on record. Online Payment Gateway Fees are the primary driver. The others are in-Person Terminal Payments, invoice Payment Processing, embedded Payments Platform, terminal Hardware Sales/Rental and donation to Nature (Cost Offset).
Who are GreenPay's main competitors?
Direct peers on record are eWay (Global Payments), Fat Zebra, Pin Payments, Zeller, Tyro Payments and Smartpay. Mollie is listed as a regional player. Broad incumbents are Airwallex, Stripe and Block (Square).
Does GreenPay have an API?
Yes. REST, Batch, and Reporting APIs for real-time payment processing, bulk operations, and reporting. JavaScript and React SDKs for secure, fast integrations with reduced PCI scope. Bearer token authentication. Sandbox environment available. Webhooks fire for every state change in the transaction lifecycle. Developer documentation is at greenpay.gitbook.io/greenpay.
What industry is GreenPay in?
GreenPay's product category is Payment Processing Services. Its primary akta.pro industry code is FSAMACAA, Merchant Payment Gateways (API/Hosted Checkout), with a secondary code of CRAFALAB, Merchant Acquiring & Card Processing (PSPs). Its NAICS code is 52232 and its SIC code is 6199.