Checking payment and currency coverage for Australian merchants

Before approving a checkout for an Australian store, check merchant eligibility, the methods a customer can actually select, and the path from displayed price to charge, order and payout currency. A method list alone does not confirm what will appear for a particular customer: WooPayments methods can depend on merchant country, customer region or device.

Build a coverage sheet

Test an Australian buyer paying in AUD and each overseas destination the store plans to serve. Record the displayed price, selected payment method, charge currency, order currency and payout currency separately; add the refund route when overseas payments matter.

Mark each method documented, configured or shown in the proposed checkout. Do not treat these as the same level of evidence.

For WooCommerce, each store has one base currency, which is displayed through the store and is the currency in which the merchant is paid. Changing the base currency changes the displayed and charged currency but does not convert product-price numbers; earlier orders keep their original currency and totals.

WooPayments multi-currency lets customers select an enabled currency and buy in it, but enabling the feature does not enable payouts in multiple currencies. WooPayments supports payments in over 100 currencies; the enabled-currency list starts with the store’s default currency, and the merchant selects any additions from the supported list.

Checkout Currency Flow for Australian Merchants

Compare relevant routes

Shopify: Inspect the Australian method list in Payment methods with Shopify Payments in Australia. For international payments and local pricing, check Payments and Primary gateways for international and local pricing support against the intended checkout route.

WooPayments eligibility: Australia is a supported account country. For a business account, the relevant country is where the business is registered, not where its owner lives.

WooPayments cards: Visa and Mastercard are listed for merchants and cards from any country. American Express excludes UAE merchants and cards issued in India; Discover and Diners Club exclude Australian merchants; China UnionPay excludes merchants in Japan and the UAE; JCB excludes UAE merchants; Cartes Bancaires requires a France-issued card and a merchant outside the UAE.

eftpos Australia is available only to merchants in Australia when the card was issued in Australia. The WooPayments account-country table lists Afterpay for Australia, but not Affirm or Klarna.

WooPayments lists Amazon Pay, Apple Pay, Google Pay, Link by Stripe and WooPay as built-in express checkout methods. Check the intended device and checkout, since some methods are available only in certain countries or regions and others only on certain devices.

Payment Method Eligibility for Australian Merchants on WooCommerce and Shopify

Check the customer-facing result

Local payment methods are shown only to customers in eligible regions or countries. Check the shopper’s country and device in the proposed checkout, and compare the merchant country and card-issuing country with WooPayments’ card restrictions before marking a method as available.

With WooPayments multi-currency, customers can select from currencies the merchant has enabled; automatic switching can use customer geolocation when that currency is enabled for the customer’s country. Geolocation can be inaccurate, including when a customer uses a VPN.

Run a configuration-specific checkout test for each required shopper route. Confirm the method appears and record the displayed, selected, charged, order and payout currencies; check the refund route and current account terms for processing, conversion, refunds and payouts.

Key Facts: Australian Merchant Payment Coverage