Feature Release: Expiry Date Modification

We are welcoming this wonderful new release to our PayDock platform: Expiry Date Modification!
PayDock users are now able to edit the expiry date details on their customer’s credit card within seconds.

Benefits for the PayDock user?

  • Reduced admin time
  • Improved customer experience
  • Lower churn on recurring payments
  • Less risk of human error
  • Increased revenue

We are pleased to be saving our PayDock customers time, hassle and increasing revenue with this new feature.

How to use this new feature:

1) In your PayDock account, go to “Customers” and choose “Actions” -> Click “See details” for the customer you want to edit the details for

 2) Click on “Edit card expiration”

3) Choose new expiry month and year. Click “Update card expiration date”

Alternatively, the expiry date can also be changed via the PayDock API.

4) The card is now updated and ready for further successful transactions.

Please ping us on our live chat or via support@paydock.com for further questions or if you have a feature request for us. We are always happy to hear from you!

All of us at PayDock

Startup/Angels Event with PayDock Founder Rob Lincolne

Startup/Angels have invited PayDock Founder Rob Lincolne to get on stage at their upcoming community event on 10th May in Sydney. Rob will share about the PayDock story, the impact we’ve been having and also how we’ve grown since winning the B2B Rocks competition last year which was hosted by these guys.

As the Founder and Executive Director of PayDock, Rob is bringing a vision of genuine payments freedom to life. His entrepreneurial journey began in 2003 in Sydney when he founded and ran a digital marketing agency focused on serving the not-for-profit sector. During his 10+ years of creative leadership in the agency, he saw the increasing complexity, cost and risk of online payments. As a result he decided to build an intelligent, easy-to-use platform to allow merchants to connect and manage their payments services – PayDock.

Rob is passionate about helping other Startup founders persevere and succeed. Key values are impact, financial inclusion, travelling, his family and of course his beloved 34 year old Landcruiser.

Get your discounted ticket for the 10th May today! A great event for founders, entrepreneurs and anyone passionate about the Startup scene in Sydney.

Click on the ticket image and enter PAYDOCK18 as your discount code for 20% off.



WooCommerce Plugin Release

Good news for our eCommerce friends; Managing eCommerce payments has just become easier with the release of our first WooCommerce plugin.

Get access to one of the world’s largest online shopping frameworks with the flexibility and ease that PayDock provides ensuring your customer’s checkout experience to be seamless and beautiful –  no matter what payment service you choose.

With new payment methods entering the market at a rapid pace, the WooCommerce plugin lets you manage numerous connections through PayDock.

Your benefits of using PayDock on WooCommerce:

  • Get access to over 25 payment gateways through a single API
  • Single web interface to monitor sales and manage payments
  • Set up email/webhook/SMS notifications for different payment events
  • Future-proof your store with PayDock’s plug and play framework

How to set up this new plugin?

1. Install the “PayDock for WooCommerce” plugin from the WordPress plugins page

2. Get your PayDock API keys from the web portal

3. Add your payment gateways inside PayDock to get a gateway_id

4. After you have activated the “PayDock for WooCommerce” plugin, enter your PayDock API keys and Gateway IDs in the WooCommerce -> Settings -> Checkout -> PayDock page

5. You are now ready to take payments from your preferred providers

For more information or help on how to set this up please contact support@paydock.com.

Multi user access and role management

Managing a team’s permissions and access to sensitive customer and payment data in an increasingly complex payments world has traditionally been complex and difficult.

Payments management and permissions for Westpac PayWay, PayPal, Stripe, Afterpay, Zip Money and many others.

Easy management of customer and payment data no matter what payment service you are using.
Click here for a full list of supported payment services.


With new payment methods entering the market and different providers providing different logins with different permissions, managing an organisational-wide policy has been difficult… until now.

As one of our most asked for features, we have been working hard over the last few months to:

  • Provide greater data security to all stakeholders
  • Increase the ease with which you view and manage customers and connected payment services
  • Reduce the cost and time associated with payments administration
  • Gain greater value from preferred service providers

To Summarise

You can now add multiple users on the PayDock platform and grant various permissions for each user.

For existing clients, this feature has already been turned on and activated on your account at no additional cost.

Roles Overview

There are four new permission levels: Admin, Manager, Customer Service and Reporting.

AdminManagerCustomer ServiceReporting
CustomersAllSearch, ModifySearch, ModifySearch
NotificationsAllSearch, Create, Modify, Resend, Delete
ChargesAllSearch, Create, RefundSearch, Refund Search
SubscriptionsAllSearch, Create
Payment MethodsAllSearch, Create, Modify


This is the full access permission which has no restrictions on capabilities. This is normally reserved for the business owner or an administrator of your platform.

The login used to create the account is granted admin permission by default.


This role gives you full control on the payments through PayDock such as creating charges, subscriptions, notifications and drive refunds.

This role is designed for someone in accounts or sales where they need control of the transactions but without some of the admin permissions.

Customer Service

This is for your support service centre with the ability to edit customers information, get status on existing transactions and perform refunds.

There is no ability to create any new transactions or add customers inside PayDock, only modify existing records.


This permission allows your bookkeeper or accountant to view payments and customers information with being able to download the results into a csv.

Some other applications of this role could be sales managers needing to create reports or even allowing future investors to get real live data of sales through your platform. This function can save the task of exporting the data and sending it manually.

How to access this new feature?

1. Access the “My Company” tab of your user administration

2. Visit the “Company Users” page

3. Add new user and assign role


For more information or help on how to set this up please contact support@paydock.com.

php SDK

Following on from our .Net & Java SDKs, we’ve now released our php SDK. This provides a friendly way to access Paydock, making it even easier to use Paydock.

You can pull this down through composer on Packagist and the code is open source on github.

Providing the right interface

One of the questions when putting together a new SDK is how to support this in a way that is as language friendly as possible. What we’ve put together for a strongly typed language like .Net, just doesn’t make as much sense for a dynamically typed language like php.

The simplest approach to this would be to simply map through the request, serialised as json, eg something like this:

$request = [“amount” => 100, “currency” => “AUD”, “token” => “token_id”]
$response = Charges::Create($request);

This works fine with simpler requests, but it tends to make it hard with larger, more complex request. In those cases, it’s easy to create a situation where you send through either too many parameters or too few. Also, when you can send through nested sets of parameters, it’s easy to send through parameters encoded at the wrong depth, e.g.:

// missing items object
$request = [“amount” => 100, “currency” => “AUD”, “token” => “token_id”, “transfer” => [“amount” => 25, “destination” => “account_id”]]
// correct structure
$request = [“amount” => 100, “currency” => “AUD”, “token” => “token_id”, “transfer” => [ “items” => [“amount” => 25, “destination” => “account_id”]]]

For this reason we settled on a fluent style interface.

Fluent interface

Using a fluent interface, you build up a request through a number of calls. Some good examples of fluent interfaces are things like LINQ in .Net:

var topOrders = orders.Where(o => o.Currency = “AUD”)
                .OrderBy(o => o.Amount)
                .Select(o => o.Email);

These are often a very natural way of searching for data, but also work well to build up complex requests.

In order to make this as clear as possible, we’ve followed certain conventions. An example of this in the SDK is creating a charge with bank account details:

$response = $svc->create("John", "Smith", "test@test.com", "+61414111111")
	->withBankAccount(self::bsbGateway, "test", "012003", "456456")
	->includeAddress("1 something st", "", "NSW", "Australia", "Sydney", "2000")

The first call is part of the call specifies the action (create). If this needs additional data, this is send through as with<Something>. Optional data is added through include<something>. And finally call() makes the actual call.

This made the API more complex to build, but provided a better experience of using the API.

As always, we’re open to improving this, so please raise any issues or concerns on on github and we’ll jump on it!

Java SDK

PayDock has now released Java SDK, which can be downloaded from JCentre. There are different dependency snippets to be inserted in your code based on your selected build settings (we support Gradle, Maven or Ivy).

The library is opened sourced and can be found here. Specific tests for you to reference in your program are here.


Writing the Java SDK was interesting and our approach changed over time. There were a few considerations

  1. Which HTTP library to use: I settled on HttpsURLConnection instead of Apache’s client. I found an example which worked early on so I didn’t change it.
  2. Which JSON library to use to map the data models: I settled on the GSON library from Google as it also handled the date format.
  3. How to deal with ever increasing API functionality while keeping the the code base similar: You will find I extend a few base classes to try maintain the peace.


I used Android Studio to write the PayDock Java SDK. As I was also planning to write an Android SDK, it only felt natural that I use this IDE to create the library. Creating Java libraries in this IDE are quite simple and it allowed me to use the same repository and build scripts that I would for the Android SDK. Having written a few projects in Android Studio in the past made me feel comfortable using it. From the one IDE, I had the ability to write the Java library, include the functionality tests, link into GitHub for source control and then upload the library to JCentre for distribution. In the project file, I had a simple app which referenced the remote Java library on JCentre. This allowed me to verify that the library worked as expected when downloaded from the repository.

Structure of the SDK

The SDK is split into three sections:

  • Models – contained the structure of the data to be sent and received.
  • Services – contained the methods exposed in the SDK, such as add charges.
  • Tools – contained helpful methods that the services used, such as the HTTP connection class and the query string to url class.

Using this format made it easy to add new endpoints and features as they were added to the API.


I used some libraries which easily allowed me to upload the SDK to Jcentre via Bintray. Once some of the artifacts were set, all I had to do was change the library version every time I wanted to upload the library. After the initial set up it now only takes a few seconds to upload a new version of the library to JCentre.

You can use the following steps to upload the library to Bintray, assuming you have already set up an account with them:

  1. In local.properties of your project file set your bintray credentials
    bintray.apikey=<your api key here>
    bintray.user=<your user name>
  2. Add the correct scripts and the library artifacts in your build.gradle
    My build.gradle can be found here
  3. Run the following commands in the terminal
    ./gradlew build
    ./gradlew install
    ./gradlew bintrayUpload

Use the SDK

I put a link to the SDK earlier in the piece so you can download the SDK and I look forward to any reviews and comments. Happy coding!

.Net SDK

We’re excited to announce we’ve released our .Net core SDK for Paydock. This is SDK makes is easier to use Paydock from any of the .Net based languages and deals with a lot of the plumbing necessary to make the HTTP calls.

You can pull this down through nuget (.Net 4.0, .Net Core) and the code is open source on github.

Supporting .Net Core

We released our .Net 4.0 SDK earlier this year. We targeted .Net 4.0 as this was the most immediate need and most of our customers were running on .Net 4.0-4.5. However, we knew we’d also want to provide good support for .Net core.

When we built the .Net 4.0 SDK it was based around supporting the maximum number of developers, which limited our options. With the .Net core SDK we had more freedom to use more modern libraries and tools. The question for us was to find the best way to support both.

Option 1 – Complete re-write

We could release a completely new SDK, re-written from scratch. This would mean that we could choose the best tools, unencumbered by any limitations of .Net 4.0 era. However it would mean no re-use and any changes to the SDK would immediately have to be applied to both core and 4.0 SDKs.

Option 2 – Single codebase

We could completely re-use the codebase. This is a little problematic as some of the features used by the 4.0 SDK were not available in Core. We could handle this with pre-processor directives, however that can become difficult quickly. It also meant we could not support features asyc/await.

Option 3 – Partial Sharing

We could share some parts of the SDK between Core and 4.0. Essentially the .Net 4.0 SDK is: a HTTP wrapper, Models for request/response, helper classes and service classes that glue it together. Some of these can be completely shared (e.g. models), however others (e.g. HTTP wrapper) are more complex.

In the end, we decided to select this option.

Tech Details

Given that we’re sharing part of the code, it made sense to keep this in the same repo.

However, for ease of building the code, we split this into two separate solutions. For the .Net core app, we shared the code files as links, which meant we could add the Core SDK without significant restructuring to the existing codebase.

Functionally the two SDKs looks very similar (just add await), but under the sheets there are quite a few differences, including a heavier use of generics in the .Net core SDK.

We welcome feedback and we’d love to hear about how we can do this better in the future, feel free to raise an issue on github.

Boost traffic to your website with a great user experience

What is UI/ UX?

User interface (UI) and User experience (UX) are both becoming increasingly important in today’s digitalised world. UI refers to the series of screens, buttons, pages, icons etc. that users use to interact with a certain device. UX, on the other hand, refers to the whole experience users have with the interface. Whilst the two terms are often used interchangeable (and often wrongly), UX and UI are two different things, with UI focusing more on the design elements, and UX focused on creating a positive experience for the customer.


What are the benefits of a great UI/ UX?

A recent study from Forrester Research found that a well designed user interface raises a website’s conversion rate by up to 200%, and a better UX design has the potential to increase conversion rates up to 400%.

With Australians spending $21.65 billion on online stores, the importance of UX is evident for all firms wishing to capitalise and make the most out of the digital economy. Developing an interaction rich experience will drive traffic to a site, which in turn provides more conversion opportunities, increases sales opportunities and, further down the line, increased revenue.


How to improve UI/ UX?

A number of steps could be taken to improve the UX of your eCommerce store:

  1. Easy to understand: Ensure that your website uses clear and concise language, removing any ambiguity with your website’s product and messaging.
  2. Personalise it: Maintaining a constant theme and design throughout your whole website can be integral to cultivating customer loyalty. By exposing your customers to your website’s personal tone, messaging and style, you help to create a dialogue with them, incentivising them to return.
  3. Slim your checkout process: Reduce the amount of steps within the payment process. Whether this means taking advantage of token vaults (to store your customer’s payment information), or reducing the amount of form fields, customers will be glad that their purchase is made much easier.


How can PayDock help?

PayDock provides a Client Side SDK that allows you to create a widget (an application that allows users to perform a certain service) as an independent part or within your payment form. Furthermore, our SDK allows you to customise the form to suit your website design, changing styling, form fields, border and font colours, text size and more, allowing your eCommerce site to maintain consistency.

As well as this, the provision of a single interface able to offer several different payment methods (all of which could have different form field requirements) into one reduces online clutter. This minimises the amount of decision points (and potential lost sales) for consumers due to confusing payments processes.


Let PayDock help you maximise the payments UX of your website!


Talk to one of our friendly payments advisors today for more information at: sales@paydock.com

What is customer loyalty and how to maintain it

Customer loyalty is the success of a business in maintaining a long term relationship with the customer. When a customer is loyal, they are likely to return to the brand to make purchases. It can also be described as ‘brand loyalty’. With 82% of adults loyal to brands and 84% loyal to retailers, building up brand loyalty is integral for revenue creation.

Below are six ways in which you can win loyalty from your customers:


Get to know your customer

By getting to know your customer, sending out ‘Happy birthday’ and other personalised emails, your customers feel as if they are worth more than a single purchase. Furthermore, a study showed that personalised emails deliver 6 times higher transaction volumes, an incredible opportunity for savvy eCommerce stores. Remember, it is easier to maintain an existing customer than it is to find a new one.


Reward loyalty with a loyalty program

Discount coupons, sent through email or text can ensure that existing loyalty from your customers is rewarded. As well as this, by making your loyalty points are not transferrable to other sites, your customers are more incentivised to make purchases on your eCommerce site.


Make it easier for your customers to remain loyal

This refers to your eCommerce store making it easier for returning customers to make purchases. One method in which to do this could be to store your customer’s payment details within your website (or in token vaults), ensuring that your customer no longer needs to input their credit card details every time they make a payment.


PayDock can help you here, offering a PCI compliant token vault to help you save payment details.


Encourage customer feedback

Sending out email reviews to your existing customers can provide invaluable feedback for your eCommerce stores, alerting you of problems that you may not previously have known about. Apart from being a great learning opportunity and a chance to further improve your site, it also allows your customers to feel more valued, further increasing their loyalty towards your brand.


Be transparent

If something doesn’t go as anticipated, instead of hiding and covering up, you should aim to communicate this to your customers. An open relationship is likely to lift trust, which in turn, promotes loyalty within your existing customers.


Communicate to your customers

Providing a live chat tool on your eCommerce website, or even ensuring that a physical person is easily contactable can make a huge difference in improving customer loyalty. Great customer service make a large difference, with research finding that people who had bad experiences with customer service were 50% more likely to talk about it on their social channels than those who had good experiences. Ensure that your eCommerce store has a good reputation.

How to use SMS notifications to expand your business

SMS (Short Message Service) is one of the most reliable and influential communication mediums in the market today, with around 82.1% individuals saying that they open every SMS text message they receive.


How you can take advantage of the trends in SMS messaging?

SMS messages have an overall 98% open rate, compared to a 20% open rate for email. The large reach of these messages mean that they could offer many advantages to business who are able to exploit them:


Improved customer engagement:

High cart abandonment rates is a challenge for any eCommerce store owner. This can be reduced by integrating SMS into your website and texting a discount coupon to a customer who has abandoned a cart to attract them to complete their purchase.


Furthermore, by keeping your customers engaged via SMS, you increase customer acceptance towards future messages, increasing future marketing opportunities.


Increased transparency:

The prevalence of internet and ATM fraud means that SMS notifications is a great safeguard to stopping criminals and protect victims. The ability to instantly alert on payments and withdrawals means that SMS messages increases security. Individuals are then able to verify their transactions creating an additional layer for legitimacy.

Better customer service:

The ability to send out instantaneous notifications regarding transactions provides a smooth and hassle free experience for your customer. 77% of consumers have a more positive perception of companies that communicate via SMS, relaying reminders, confirmations and transaction monitoring.


How can PayDock help?

With over 64% of consumers believing that businesses should use SMS messages to interact with them more often than they currently do, the potential of using SMS notifications is endless.


Working with PayDock will allow you to automate customer engagement with event-triggered (e.g. “transaction success”) customised notifications, providing you the ability to notify your customers through email, SMS or webhook every time a transaction event occurs. As well as this, through PayDock, you can personalise messages sent to customers to improve engagement.


Unlock your SMS potential with PayDock!


How do I get started?

PayDock offers a sandbox for testing, as well as excellent developer docs for you to use and test out.


You can also talk to one of our friendly payments advisors at sales@paydock.com

PayDock and eWAY Partnership Announcement

We are excited to announce our partnership with eWAY as one of our supported payment methods. We are delighted to enable all of our clients access to eWAY’s payments services to create more value for your customers.




What is eWAY?
Trusted by more than 26,000 Australian merchants, eWAY is one of Australia’s leading payments providers. The eWAY platform is jam-packed with features including fraud protection and more, and offers the peace of mind that only tier 1 security, fast settlement and free live support can bring.


What does this mean for the merchant?
You can connect eWAY now or anytime in the future as long as you have PayDock integrated into your payments portal. PayDock merchants also have the option to offer any payment type that customers want by using any of the payment service providers that we integrate with.

See all the payment types we integrate with here – Don’t see the payment type that you want? Just ask – chances are we already have it in the pipeline!

Looking to connect eWAY into your payments portal?
See a full guide on how to integrate eWAY here.


What is PayDock?
PayDock is a universal payments adapter giving merchants complete control over their customer’s payments experience. We enable our merchants to offer their customers more payment methods and drastically reduce the cost of payment gateway integration. Please see here for more information on PayDock’s features.

How do Australians pay?

A recent survey by the RBA (Reserve Bank of Australia) detailing records about every transactions individuals made for a week, as well as value, payment method, channel (online or in person) and type of merchant provided key information about Australian payments preferences and attitudes.



Australia is among the top-ten non cash markets in the world. The market share of card payments is increasing, from 9% in 2013 to 52% in 2016. However, mobile payments only accounted for 1% of the number of Point-Of-Sale (POS) transactions over the week of the survey (around 2% of in person card payments).



The use of cash is slowly decreasing, accounting for only 37% of all transactions, compared with 47% in 2013 and 69% in 2007. However, cash is still used for smaller transactions, being the most common payment method for transactions of $10 or less. In particular, older Australians and lower income households still make a substantial share of their payments in cash. Yet, even this figure is declining, with older Australians increasingly adopting non-cash transaction methods.



According to the 2017 World Payments Report, Australia will be phasing out of all cheque payments in the near future. Using cheques as a form of payment in itself is declining, accounting for only 0.2% of payments made by participants in the 2016 survey, compared with 0.4% in 2013.


Digital currency

Digital currencies, such as Bitcoin and Ethereum, are slowly gaining traction in Australia. In March 21, 2016, the Australian government announced that it would address the “double taxation” of digital currencies under the GST. This refers to the fact that if you used a Bitcoin to pay for coffee, you would be charged GST for both the coffee and Bitcoin. The new policy has removed some of the frustrations of the fintech community.


What does this mean?

The movement from paper based methods such as cash and cheques towards electronic payment methods creates a huge market for the provision of payment services. Stores, both physical and online, are incentivised to deliver a number of payment services for the ease of their customers. This doesn’t include just merely offering a range of payment methods, but also payment services, such as recurring billing, anti-fraud technology, SMS notifications and the ability to track payments.


This is where PayDock comes in. By offering an easy-to-integrate RESTful API, PayDock is able to help you. Whether you are an eCommerce platform, a developer or an integration specialist, we will allow you to make the most out of your payments ecosystem.



Payment Survey

Key Trends In The Growth of Payments In China

China’s eCommerce market is expected to record a compound annual growth rate of 23% through to 2020.

China’s movement from being cash dominated straight to mobile payments has been attributed in part to the late mover advantage. Since China does not have an entrenched credit card culture, the jump from cash to mobile was much easier. Mobile is now accepted as an everyday transaction method.

For businesses wanting to take a share of the options associated with the rise of mobile as a payment method through which to pay, the Chinese market represents a great opportunity. With a phenomenal eCommerce growth rate of 63.2%, mainly as a result of a higher adoption of digital payments initiatives in rural areas and a shift from cash to mobile payments, and around USD$300 billion worth of online sales, China is a formidable market.

Furthermore, with the number of people in China using their phones to pay for goods and services at the point of sale doubling last year, it is expected by 2020 that half of all of China’s smartphone users (an estimated 350 million people) will use mobile payments. Thus, the Chinese commerce market represents a great chance for SMEs wishing to tap into both global expansion (especially Asia) and take advantage of mobile payments.

In particular, the rise of Alibaba’s Alipay and Tencent’s WeChat Pay, which are both able to settle transactions in more than 10 currencies and are now in the business of global expansion, represent a great way for businesses to take their first step into the Asian market.


Why should you offer mobile payment methods?

Mobile payment platforms can lead to increased consumption not only in eCommerce, but also in offline retail. By integrating online mobile payments with offline purchasing experiences, convenience and overall consumption is increased. This results in additional growth for your business.

2017 World Payments Report Summary

The World Payments Report reported that global non cash transaction volumes grew 11.2% during 2014-15 to reach 433.1 billion, the highest growth of the past decade, and slightly above last year’s prediction.

Developing nations increased global non-cash transaction share, with two regions in particular fuelling this growth.

Asian countries experienced impressive growth in non-cash transactions across all regions due to an increased adoption of mobile payments and wallets such as Tencent’s WeChat Pay and Alibaba’s Alipay, with a growth rate of 43.4%. This was particularly driven by China’s phenomenal 63.2% growth in non-cash transactions, a result of higher adoption of digital payments initiative in rural areas and a shift from cash to mobile payments among payment service users.

The second highest growth of 16.4% was recorded in CEMEA (Central Europe, Middle East and Africa), recording the highest growth in card transactions and credit transfers in countries such as Saudi Arabia and Poland.

In Australia, contactless payments account for about 70 to 80% of MasterCard and Visa payments.

Debit cards and credit transfers were the leading digital instruments in 2015, while check usage continues to decline globally.

Transaction volumes for all payment methods except cheques increased. Payments by card grew faster than other instruments, an indication of superior convenience and security.

Globally, debit card market share increased to 70.5% while credit card market share dropped from 30.1% in 2014 to 26.5% in 2015.

In Australia, almost 70% of credit card transactions are contactless, and there has been notable growth in volumes of credit card, but also of scheme debit card transactions.

Despite the increased adoption of digital payments, cash continues to be in the mainstream, especially for low value transactions.

Cash is the main method of payment for smaller purchases such as food, personal care supplies, general merchandise and gifts. It is also used in peer to peer transfers despite the increasing popularity of money transfer apps such as Venmo and PayPal.

Key factors contributing to the persistency of cash include the anonymity associated with cash transactions, lack of a modern payments infrastructure, and limited or no access to the banking system in developing markets.

In Australia, cash in circulation remains steady at around 4-5% of GDP.


The World Payments Report can be accessed here.

How To Be A Gateway Ninja

What are the current problems surrounding gateway integration?

Talking to some of our payments advisors, we found that common problems faced by developers surrounding the integration of gateways include:


  1. Upfront cost
  • Different technologies used by each gateway
    • Each gateway has its own API (eg REST, SOAP) as well as a different required data and sets of calls required
  • The time and cost of integration
    • Not all payment methods were created equal and some may have layers of complexity that need to be carefully integrated. 


  1. Maintenance cost
  • Maintenance costs due to the ongoing coding required
    • Need to update your code to stay up to date with the gateway’s API.


  1. Aggregation of gateways
  • Inability to view all transaction data from a single point after integrating several payment methods
  • Difficulties in accessing customer payment information across different gateways
    • Can’t store Gateway X customer payment details on Gateway Y
    • Do not have a central location to store all your customer payment details


Why PayDock?

We know the struggle of working with multiple payment gateways (while juggling client requirements). Like you, we know that development, profitability and third party management can be a tall order, especially in payments, where there are multiple barriers to final delivery. This is where PayDock can help.


PayDock is a smart payments platform designed for merchants and developers. We offer a number of features to solve your payments pain:

  1. Upfront cost
  • Reduces cost of integration with gateway development effort
    • Development time and cost for your website or app is significantly reduced-you only have to integrate with PayDock once to enable access to all payment methods globally.


  1. Maintenance cost
  • Reduce maintenance costs.
    • PayDock keeps up to date with the gateway so you don’t have to worry about updating.


  1. Aggregation of gateways
  • Enhances available functionality through a built in recurring, notification and processing engine.
  • Enables easy monitoring of transaction data through a single interface.
    • If you do decide to move to a new gateway, your history, data and account will all  remain with you/move with you as PayDock’s external token vault stores all payment sources regardless of payment gateway or payment type.
  • Enables a frictionless payments experience for your client .
    • Customer experience and technical solutions are improved through the realtime workflow engines.
    • Sales friction is reduced by offering your customers a number of gateways including Pin Payments, Stripe, eWAY, PayPal, Worldpay and more!


What else?

We offer an easy to work with REST API which can be used to integrate PayDock into your application, with a flexible subscription engine that allows you to set specific start dates, end dates, amount, frequency and interval, along with other payment facilities such as multi-currency routing and automatic retries and webhooks/ alerts.


PayDock also offers a variety of software development kits (SDKs), including Javascript SDK, .Net SDK, Java SDK with iOS and Android on the way, to make integration as easy as possible.


How do I get started?

PayDock offers a sandbox for testing, as well as excellent developer docs for you to use and test out.


You can also talk to one of our friendly payments advisors at sales@paydock.com


Buy Now, Pay Later: How to Generate More Revenue

From prehistoric systems of barter and trade to simple forms of currency, and paper cheques to little plastic cards, it is evident that payment methods are constantly evolving. The modern rise of new alternative payments methods (non cash methods of transaction) such as E-wallets, digital currency, mobile payment methods and so forth can be seen as a new chapter in the world of payments. Alternative payment methods (APMs) are now predicted to take a 59% share in all e-commerce transactions in 2017. An example of an Alternative Payment Method that is changing the e-commerce industry are Buy Now, Pay Later schemes.


The increased popularity of Buy Now, Pay Later (BNPL) schemes such as Afterpay and ZipMoney have created new opportunities for savvy e-commerce stores. Consumers are able to pay for their goods with instalments over a period of time while retailers receive payment on the day of the purchase with all credit and fraud risk taken on by the relevant BNPL scheme.


In particular, the flexibility of Afterpay has attracted a large amount of consumers, holding a 10% share of all transactions in the Australian online fashion market and a 2.1% share in the online retail market. Various retailers, such as Veronika Maine and General Pants Co have stated that their average order value increased by 22-25% after introducing Afterpay.


What can you do?

By offering BNPL schemes such as Afterpay and ZipMoney, you not only capture potential customers but also increase the amount and value of goods they purchase. ZipMoney observed an increase in average order values of between 40%-130% (where zipMoney is the chosen form of tender) and a 40% increase in items per order.


How can PayDock help?

PayDock enables e-commerce stores to offer both APMs and traditional payment methods to their consumers. PayDock customers can now snap up more customers and generate additional sales through BNPL schemes with ease through our API.

How to Reduce Checkout Friction for Your Customers

What is checkout friction?

Checkout friction is anything that stands between your customer wanting a product and being able to purchase it. This includes things that slow down the process, including typos, slow loading pages, pop up ads, sign up processes or even things that stop the purchase altogether, such as an outdated link on a “buy now” button.

Checkout friction is the largest cause of cart abandonment rates; even higher than hidden shipping costs, complicated return policies and security concerns.

How can I decrease the amount of checkout friction on my website?

For larger merchants:

  1. Flexibility: allow customers to pay via mobile apps and mobile optimised sites.
  2. Offer a better customer User Experience (UX): this may mean using autofill APIs to remember customer information, or making the payments process as easy to navigate as possible. A better UX could potentially yield a 400% increase in conversion rates.
    Examples include;

    1. Personalised payment process: This might mean keeping the colour, design, and font the same throughout your website. By keeping your payments pages synonymous with the theme of the website, an increased sense of cohesion is created.
    2. Reduce checkout time: The Checkout Conversion Index found that the optimal time for checkout success is 134 seconds, with the worst performing sites needing 220 seconds. A way to reduce time taken to checkout is by integrating your payment gateway’s interface directly into your website instead of using a payment redirect page, which means customers no longer need to wait for a pop up to load.

For smaller merchants:

  1. Fewer info fields: More successful merchants ask for as little information from consumers as possible, whether that mean payments information, address fields or even registering for an online account.
  2. Slim your checkout process: Amazon’s patented “one click checkout” is a great example of reducing checkout friction. By allowing consumers to make a purchase through a single click, Amazon’s sales have increased by 5% each year. Instead of offering four or five different pages for consumers to click through as they attempt to pay, a single page interface that provides all the information (including what’s in the cart, the price etc.) drastically reduces checkout friction.
  3. Offer more payment methods: By accepting a variety of payment methods such as credit and debit cards, as well as alternate payment methods such as Afterpay, PayPal and zipMoney, the number of decision points for customers is reduced which maximises conversion rates. On average, better performing sites offer 6.8 payment methods versus 4 for underperformers.

How can PayDock help?

PayDock’s developer friendly REST API makes payment method integration easier. Our clients are able to drive greater conversions with no redirection and offer an optimised customer payments experience.

A Quick Guide to the Advantages of Recurring Payments

What are recurring payments?

Recurring payments are automatic payments deducted from a credit card or bank account on an agreed schedule (e.g. daily, weekly, monthly). Recurring payments are useful for a wide range of payments – such as subscriptions for magazines, membership clubs and utilities bills.

What are the advantages for merchants?

  1. Decreases late or missed payments: As recurring billing happens automatically, there is a reduced risk of delayed or missed payments. Furthermore, budgeting is made much easier as payments are expected at regular intervals for customers.
  2. Improve customer relationships: By signing customers up to subscription arrangements, business are able to reduce the risk of churn and build stronger, sustainable customer relationships over time.
  3. Saves time and money: Business owners no longer need to manually manage all billing cycles. This frees up time so they can focus on their core business.

What are the advantages for customers?

  1. Saves time and effort: By setting up automatic payments, customers no longer have to manually input payments for their subscriptions.
  2. No more late fees: Previously, if a customer forgot to input a payment manually, they could potentially be hit with a late fee. The automatic nature of recurring payments means that such scenarios will no longer happen, saving money and effort for the consumer.
  3. Keeps information secure: Recurring billing allows customer information to be managed securely. The lack of paper bills means that the risk of duplicating and circulating sensitive information is minimised, as is the risk of employee error.
  4. Environmentally friendly: Each year, more than 3.6 million tons of greenhouse gas emissions are created by transporting paper bills alone. There is no longer a need for physical bills to be sent out as almost everything can be done online in this day and age.
  5. Leverage the growing demand for subscription services: Research has shown that there is an increased demand for the convenience and ease of subscription services, especially within younger generations. As of 2017, 70% of millennials have a subscription to a product and 89% have a subscription to a service. As a business, offering recurring payments can greatly improve customer experience, and help differentiate your business from others.

How can PayDock help?

PayDock is a smart payments platform that allows merchants to connect to various payment gateways such as Stripe, Braintree, Paypal and more. We offer a recurring payments engine that overlays on top regardless of payment type, gateway, or frequency. Our clients are able to automate flexible customer subscriptions, increase revenue and reduce time spent with managing customer billing.

PayDock and Round Table Apps Help SumoSalad Win QSR Media Award

PayDock would like to congratulate SumoSalad on winning Best Innovation in the Health Category at the prestigious QSR Media Detpak Awards for its My Sumo app! Launched in January 2017, the app allows customers to create and pay for their own salads and wraps before picking them up in-store.

When designing, SumoSalad needed to ensure that the app:

  • Is native on both iOS and Android.
  • Can connect to other APIs and apps such as FitBit to automatically log purchases to the customer’s FitBit diary.
  • Has a centralised menu database that can be updated and rolled out across all franchises on the app in an instant.
  • Has a simplified customer signup solution that can automatically distribute the data to franchises.
  • Can split payments between a customer’s loyalty points and their credit card/debit card
  • Works with any number and a diverse range of payment gateways and methods.
  • Triggers transactions and distributes customer data across multiple franchises and any payment gateway upon request.
  • Allows money and payment sources to be directly connected to the franchisees, so that each store has increased control of their pricing schedule without affecting other stores.

Having fulfilled most of the aims by partnering with Round Table Apps, SumoSalad needed to find a comprehensive payments solution. This is where PayDock came in.

How PayDock helped streamline the checkout experience

  • PayDock’s secure payments token vault gave SumoSalad’s the ability to store and pass on customer information within the app to reduce checkout friction.
  • PayDock enabled SumoSalad to integrate and bolt on additional payment gateways and solutions with ease, without further development costs.
  • PayDock’s ability to connect headquarter’s payment gateway directly with the franchisee’s downstream gateways allowed payments to go directly into the franchisee’s bank account, removing the need for any HQ intervention.

Happy results

SumoSalad is now able to offer a seamless online app experience, scale effortlessly and bolt on additional gateways for new franchises within seconds (they added 94 gateways in December 2016 with ease). Settlement delay is now reduced to as low as 1-2 days and is automated with their chosen payment gateway. In addition, franchisees enjoy the flexibility to add and change their online payments set up without huge development costs and without disrupting the operations of SumoSalad and other franchisees.

How PayDock can help your franchise business

The problem that SumoSalad encountered was not unique in any way. Many franchise businesses lose valuable time and administration cost rerouting payments from HQ back to each separate franchise.

What PayDock offers is an extensive payments solution that enables businesses to directly connect with their downstream gateways and reduce settlement delays. This increases data visibility, upgraded payments flexibility and a synchronised payments system.

How to Combat Cart Abandonment Rates Effectively

According to Statista, the global average cart abandonment rate for the second quarter of 2016 was 74.52%. This means that out of 100 potential customers, 75 are leaving for reasons such as “extra costs too high”, “the site wanted me to create an account” and a “too long/ complicated checkout process”. Yet, the high cart abandonment rate is no cause for despair. Approximately 63% of abandoned sales is potentially recoverable by savvy online retailers.


So how can merchants reduce the cart abandonment rate?

  1. Offer free shipping. Savvy online consumers are looking for ways to save money. If you are unable to offer free shipping completely, promotions such as “Free shipping for orders over $75” or even making shipping costs clear and upfront have been shown to increase sales.
  2. Create a guest checkout process. Shoppers are reluctant to provide private information upfront, but are happy to create an account after they have purchased a product to track shipping and delivery times.
  3. Reduce the amount of steps taken to checkout. Conversion studies have shown that the less clicks to checkout there are, the lower the cart abandonment rate. If many pages are needed, it is a good idea to provide a progress bar or another visual indicator.
  4. Improving the security of transactions. Adding a security logo such as Symantec can increase sales by up to 42%
  5. Increasing the amount of payment methods. Offer common payment processes such as PayPal, VISA, MasterCard, AMEX, as well as alternate payment methods (APM). APMs (such as E-wallets and mobile payment methods, transfers, digital currencies etc.) will account for more than half of all transactions by 2017, up from 43% in 2012. In a time where payment methods are becoming increasingly varied and complex, online merchants risk losing sales if they are unable to offer their customer’s preferred method.


How can PayDock help?

We aren’t saying that we can offer all solutions to high cart abandonment rates, but PayDock can definitely increase conversion rates by connecting your e-commerce store to multiple payment gateways and allowing access to new payment methods. We allow you to future proof your payments ecosystem in a time of rapid change and development.  

PayDock Exhibits at B2B Technology Conference CeBIT Sydney!

cebit display banner

Right off the back of our Inside Retail exhibition, we haven’t stopped moving.We’re proud to announce that we will be exhibiting at CeBIT Australia, the largest and longest running technology conferences in Australia.

CeBIT Australia is a B2B technology conference held at the beautiful ICC Sydney on the 23rd of May to the 25th of May.

Here is a map of the conference, you will find us in the stands on the left.

Why should you attend?

We’ll be there all three days sharing our payments vision and connecting with the community with our expert team of Payments Advisors on site to help you solve your payments pain.

We can help you learn more about PayDock, how we can improve your payments ecosystem and help drive you more revenue.

Come meet the team at CeBIT. Exhibition passes are free – register here.

If you’d like to let us know you’re coming and would like to book in a quick chat, please email us at sales@paydock.com.

Simpler Development With Our PayDock .Net SDK Release


It’s now even easier for developers working with .Net to drop PayDock into your payments ecosystem. PayDock has just released its .Net Software Development Kit providing a low friction development experience on .Net.


Find our SDK on Nuget – https://www.nuget.org/packages/PaydockSdk


At PayDock, we want to be an active part of the developer community. So we’ve open-sourced the code for the SDK on GitHub (PayDock), we’re keen to receive feedback on how we can improve this. We’ll be releasing SDKs in other languages in the coming months to make sure all our new customers receive the best development experience possible.


Don’t have developers to get PayDock running for you? Not an issue, we partner with a top tier development agency Houston Apps who can work with you to get this done.


Contact us to see how we can get this working for you.

How To Boost Revenue With More Payment Methods

You get a hit on your e-commerce store, they browse around your site and find an item they like.

They have filled their online shopping cart and are ready to purchase.

They get ready to pay… and find no PayPal or AMEX.

They get frustrated and leave.

Does this sound familiar?

It’s the story of “cart abandonment”. Two words that every e-commerce retailer hates and sees over $159.6 billion of global online sales at risk from the modern customer not finding exactly what they want and leaving – most likely to competitors. In the digital age where attention span is a valuable commodity, e-commerce retailers and merchants who invest in reducing checkout friction win big.

From a study conducted by YouGov, a UK-based international market research firm, it was found that:

“40% of participants said they would feel more comfortable buying from a merchant that offers multiple payment methods” – YouGov

Digital wallet options are on the rise with 67.6% of top online merchants offering PayPal and global non-cash transactions increasing 8% year on year. So many merchants are confused on how to keep up and are turning to payment platforms like PayDock to help them trial and adopt new payment methods and gateways quickly and easily.

Imagine what a 1% increase in conversion could do to your bottom line.

Why PayDock?

PayDock is a payments platform built to help merchants and e-commerce retailers increase their conversions and reduce internal process management. It enables merchants to connect multiple payment gateways like PayPal, Stripe, Braintree and Westpac PayWay in seconds and keeps your business on your toes with emerging payment methods. Contact PayDock here to speak to a payments expert.

More Powerful API Documentation For Your Developers

We’ve made eliminating payments pain even easier for ecommerce retailers and online transactors with our better looking and more user friendly developer documentation.

Jump over to https://docs.paydock.com/ to experience a refreshed user interface, comprehensive code snippets and intuitive user experience on top of the same easy-to-digest information on navigating the PayDock API, Paydock.js and iFrame experience.

We want to make the developer experience using Paydock as painless as possible.

Also, integrated into our entire domain is also our new chat tool for both technical and non-technical support. The entire PayDock team is only a message away so don’t be afraid to pop up!


With love,

The PayDock Team

Customer Defined Retry Logic

One of the most costly aspects of running a SaaS, member-based or Not-for-Profit organisation is the cost of failed payment management. We’ve seen extreme cases where it’s been cheaper to write payments off as bad debts, rather than chase, such is the cost.

We’d like to solve that problem for you.

PayDock helps with our automatic retry (dunning) feature. We’ve received a lot great feedback on this, however, one of the most common feature requests we get is:

“Great, but can I set the number of retries, and the gap between them?”

We’re pleased to announce that as of today, yes you can. PayDock customers are able to define how they want PayDock to manage their dunning processes for them, removing significant cost, better managing the customer experience and assisting with cashflow by reducing the period which a payment remains outstanding for.

The two settings PayDock customers can manage now are:

  • the number of retries on a soft failed payment
  • the time between those retries

You could specify PayDock to perform 2 retries, each 48hrs apart, for example.

This is available today under the My Company link. See screenshot below.


This is available today on all gateways and payment types which we manage recurring payments for.

We hope you enjoy this new feature and find it of great use in removing payments pain and increasing your bottom line.

To payments freedom.

All of us here at PayDock


Welcome Scott

We are proud and excited to welcome Scott Lingard as Head of Partnerships at PayDock. Continuing our vision to radically support merchants and service providers who seek to provide customers payments freedom, Scott brings great passion and experience.

Scott is a recognised figure in the Australian payments industry, successfully operating as the Head of Partners at eWAY and General Manager at Fintrax for over 8 years.

“PayDock is a next-generation product which I see as a pivotal component in scalable payments architecture. I’m looking forward to working closely with our team and trusted partners and customers as we expand in Australia and globally.”

If you are a merchant or service provider who’d like to benefit from PayDock – we’d love to connect. Please speak call Scott on 0402 825 592 or connect on LinkedIn.

How To Integrate PayPal Express Checkout With PayDock

We’re putting even more power back in the merchants’ hand with our PayPal Express Checkout integration. Merchants on PayDock and using PayPal as their payment gateway can now use PayPal Express Checkout as an integrated service for smoother consumer purchasing experiences.

Merchant now have the power to deliver seamless checkout experiences and create new revenue all the while still enjoying the power to flexibly set up recurring billing, retain customer data for easy reconciliation and tokenise their customers’ financial information.

PayPal button

Learn more about PayPal’s Express Checkout Service

For assistance on how to take advantage of this feature in PayDock, please contact one of our consultants on support@paydock.com, +61 2 8218 2141 or review our documentation.

If you’re just getting started, here’s how to connect PayDock with your PayPal gateway.

Step by step tutorial on how to integrate PayDock into PayPal.


The PayDock Team

PayDock: New User Interface + New Notification Event

Clean Is In

– and that’s why we’ve given our platform a facelift with a new interface. We’re pleased to announce that everything our customers know and love is now sleeker, more professional and easier to use. And don’t worry, we’ve only optimised the user experience – all our functionality still remains (What do we do?). Take a sneak peak below.

Inline with our mission to make managing payments easier, simpler and faster, we’ve also integrated a few little time-savers you’ll love. Some of these include:

  • Ability to rapidly query a Customer, Subscription or Payment by clicking on the row
  • Helpful ‘Actions’ items throughout to provide additional drill-down information and capability
  • Far more intuitive Notification service including a new Notification Event (see below)





API Release

  • New Notification Event, “Subscription Finished”

Web Client Release

  • Rapidly query a Customer, Subscription or Payment by clicking on the row
  • Helpful ‘Actions’ items throughout to provide additional drill-down information and capability
  • Updated overall styling for your enjoyment


We love how involved our customers are, so don’t hesitate to let us know what you think at customerlove@paydock.com

Also, don’t miss out on Twitter and Facebook.


All of us at PayDock

PayDock Product Update: July 2016


Gateway Tuning Configuration Capability

We love how involved our customers are in PayDock.

One of the most frequent requests we hear has been, “I’ve connected my gateways, but now I’d like to tune the behaviour of each of those gateway connections.”

This may be configurable field mapping or the ability to utilise certain, gateway-specific functions and features as you choose. This can depend on your specific plan, pricing or internal data needs.

Today, we’ve released the EziDebit config. This enables you to toggle between the “Real Time” processing engine (if you don’t know what that is you can read more here) or you can use PayDock to route to the standard processing endpoint (AddPayment or AddCardDebit).

We’ll be rolling out more specific ‘tuning’ capabilities for our other gateways over the coming weeks. To stay informed, follow us on twitter or send your email to customerlove@paydock.com. We’ll keep you in the loop.

We’re here to make it easy for you to get the most from your gateways, however you prefer to work with them!

Love, all of us at PayDock

API Release (v1.2.19)

  • New Gateway Customisation Logic
    • EziDebit
      • Processing Mode Setting

Web Client Release (v1.2.3)

  • UI Updates: Dashboard updated with dotted line for current month
  • UI Bug Fixes: Pagination, Recent Transactions Page

Interface Screenshots



Photo credit @flattop341 via Flickr

PayDock ‘Orta’: New subscription capabilities + more


More than just your average recurring engine

While many services have the ‘recurring’ sticker, we strive to deliver the kind of recurring you can build your business on.

We’ve now extended our subscription engine to include some fancy (and handy) termination logic. This means you can, as of today, build products and services that create new opportunities for your brand and reduce cost and effort for your team.

For example, you can now for any frequency and interval build ‘payment plans’ (a.k.a. lay-by or lay-away) directly into the platform. You can also set recurring payments to persist for only a specific number of transactions or simply deploy a set of auto-expiry events (of course ‘never’ is still an option too).

Build subscriptions that meet your product needs and customer expectations without pain or cost.

Check the notes for the goodness, we’re pretty stoked.

Love, all of us at PayDock

API Release (v1.2.13)

  • New Subscription logic. Now terminate Subscriptions…
    • Never
    • At target date
    • After specified number of transactions
    • When target value is either reached, or first payment after exceeding
    • Prior to reaching a target value
    • Complete target value (remainder paid on last payment)
  • Ability to filter Subscriptions and Customers and by Gateway

Web Client Release (v1.1.19)

  • Ability to create and manage Subscription end-events
  • Fixed an issue where new users were not immediately redirected to dashboard
  • Small UI improvements

Interface Screenshots


Direct Debit Recurring – Save Money, Earn More

Easy and automated access to alternate payment types increases conversion – yet traditionally has been something of a challenge for merchants. Wiring in new (or multiple) gateways, stitching back-end integrations and layering accounting and reconciliation processes often means the cost-to-benefit ratio stops stacking up even before you’ve even begun.

So, while we know the payment structures on payment types such as direct-debit are attractive (i.e. flat-rate transaction fees) and accessing these facilities could reduce cost and raise conversions – we just can’t ‘get there’ easily.

For many of us it seems better to pass up the financial boost just to avoid the headache.

But what exactly have we been passing up?

Here’s some facts:

 50% of those who regularly shop online said that if their preferred payment method is not available, they will cancel the purchase.  [1]

…alternative payment methods are expected to grow with approximately 6-7 % in the next few years. [2]

Latest analyses show that every additional payment method which is offered by a Merchant can help increase conversions with 14%. [2]

Depending on the characteristics of your site you will probably see somewhere in the region of 5 to 10 percent improvement in your site’s overall conversion rate, which is still significant enough not to be ignored. [3]

Correspondingly, WorldPay’s data shows us that alternative payment methods (types other than credit or debit cards) will account for more than half (59%) of all transactions online by 2017.

This means that you’re not already offering ready access to multiple payment sources, you’re leaving real money on the table.

How can we fix that? With PayDock it’s on average 50% quicker to work with gateways. You can stop missing out on lost transactions and take new payment types. You can be up and running in hours (if not minutes) in your website while also delivering seamless user-experiences and consistent business process.

Find out how much you could be earning by calling us today on +61 2 8218 2141 or Use the Quick Income Calculator below to see what difference using PayDock can make to your brand.

Here for your benefit!

All of us at PayDock.

P.S. Combine with the built-in subscription, notification and backup gateway services and PayDock can raise conversions in excess of 40% while simultaneously saving you thousands.

Quick Income Calculator

Use the form below to see how much money you could be leaving on the behind without PayDock.


1. ‘Survey finds that retailers are losing millions.‘ Retail Technology Review, 2009
2. ‘Boost conversion rate by offering alternative payment methods’ eMerchantPay, 2012
3. ‘Alternative Payments and Ecommerce Conversions’, PracticalEcommerce, 2013



$4000 in minutes

Screen Shot 2016-03-01 at 9.04.42 pm

Q: What’s the value of a backup gateway?

A: You never know till it’s down.

Today, one of our valued customers, ‘Mitch’, had an experience where his payment gateway’s production API was unresponsive. Orders were coming in and hitting a brick wall.

While we understand there’s a range of reasons why this might happen (and very often the gateway is not to blame), for most of us, payments is critical.

‘Mitch’ called us here at PayDock asking what might be the issue and we quickly investigated by reaching out to the gateway. You may have experienced something similar to the response we received below:

“Thanks for your patience, I have been advised we are currently having some connectivity issues with our API. Our team are working to resolve as soon as possible….”

We asked if it was affecting all environments…

“Just production at this point.”

Not something you want to hear as a customer.

PayDock enables seamless fail-over

Through the PayDock API, ‘Mitch’ was able to dynamically route payments to an alternative provider where over $4000 of otherwise failed orders were successfully processed.

When describing what the staff had to do different to manage the sales process to his staff ‘Mitch’ had a single word:


What’s a seamless fail-over worth to your organisation?

Just count the transactions you have, multiply by time, and you’ll know. For ‘Mitch’ it was thousands of dollars per hour.

When PayDock can be deployed in hours you have to ask, “How much is a PayDock enabled backup gateway process worth to your organisation?”



Announcing: PayDock Release ‘Windermere’



Yes, the client always comes first

You guessed it. Client-side tokenisation and the release of paydock.js. Build secure client-side and javascript apps, reduce your PCI compliance scope and take advantage a lovely drop-in JS script.

Read our friendly docs for how to implement it.

Also delivered direct your door are a fresh batch of Web Client updates we hope you like. Each designed to help you manage Customer and payment settings even easier. See below for specifics.

Love, all of us at PayDock

API Release (v1.2.0)

  • paydock.js
  • client-side tokenisation
  • public key release

Web Client Release (v1.1.1)

  • Customer Reference field now available on the Add Payment page
  • Filtering improvements for list pages: Charges, Subscriptions, Customers
  • Add payment source(s) to your Customers directly through the interface
  • View and manage your Public API key on the My Account page

Interface Screenshots

API Keys



Customer Object Payment Source



Why PayDock empowers global Not-for-Profit fundraising

NFP-GlobalGlobal payment management across a distributed giving-base can be hard if you’re an international NFP.

Factor in local fundraising offices, currencies and admin you can be taking (and managing) money all the way from India to the UK and USA.

We know that using only a single ‘super’ provider rarely delivers the best value to your organisation. The friction  involved with re-routing your organisation to a single provider (who may not be best suited in all localities/currencies) can be high, and the direct and indirect costs involved with integrating multiple local services can itself increase expenses dramatically.

So, this leaves many not-for-profits in a challenging position. How do we manage global giving in a way that’s low-cost, easy and effective?

We know you would love to take recurring and one-off payments, in various currencies, with data and payment-event transparency, without disrupting existing banking and reconciliation processes or introducing prohibitive cost and pain.

Read More

PayDock provides more value for both customers and gateways

We love solutions where everybody wins

Building PayDock we noticed many of us typically experienced gateway discomfort when, with our existing (or proposed) payments provider, the functional set didn’t fully meet current or emerging business needs.

The juggling of many different criteria and the looking for the ‘uber’ service we actually needed without creating too much disruption or cost was hard. Very hard. And waiting for our current gateway to release the feature we needed could also take more time that we had.

Many reasons to stick existing/preferred gateways

Beyond this, other factors not just the ‘transaction’ component also formed part of the decision making scenario. These factors could be:

  • the convenience because we already banked with them
  • really good fees as a result of long term relationship with the existing bank/gateway
  • amazing support team and service
  • …or that ‘particular admin feature’

These are all good reasons, but what none of us wanted to find was that the gateway we finally engaged with (or currently used) had some unexpected limitation or drawback we didn’t realise.

Don’t switch gateways – just add value

Our gateway friends might even have ticked 80% of the boxes but because they didn’t have ’that’ critical feature (e.g. multi-currency or direct-debit processing), though all the other things were great, we couldn’t move ahead.

Read More

Announcing: PayDock ‘Balaton’


New week, new updates, new value.

We’ve got some tasty treats for you in the latest release – including Pre-Card-Expiry Notifications and support for NAB Transact.

This is great news if you’re an existing Transact customer or looking for the right gateway partner to grow with. Pending-expiry Notifications mean you can pre-emptively connect with your customers/donors and avoid lost income and reduce admin effort.

Payments power to the people. 

Love, all of us at PayDock


API Release (v1.1.9f)

  • New Notification type
    • -1 Month Pending Card Expiry
  • New Gateway
  • Updated to new version of PayWay REST API

Web Client Release (v1.0.5)


  • Added Description and Reference fields to the Web Client (not just in API now)
  • Manage your new Pending-Expiry Notifications
  • Add and Manage NAB Transact Gateway
Read More

Announcing: PayDock ‘Geneva’


So yeah,

We’re pretty fixated on delivering a platform that builds ever more value into your payments experience.

‘Geneva’ is no exception, but we’ll let the release speak for itself – see below.

As always, we’re here for you,


The PayDock team


API Release (v1.1.9)

Web Client Release (v1.0.4)


  • Quickly see what Gateway is currently in-use for any Subscription on the Subscriptions page
  • Easy sort-by headings to order Subscription information
  • Archive transactions
  • Delete customers
  • Create Refund Notifications
Read More

PayDock Release ‘Elton’ August 19th 2015

We’re very excited to announce some exciting new features on the PayDock API as well as overall improvements to the admin interface.

Summary: “More goodies we hope will make your life easier – and more exciting”. (well we try)

See the screenshot below then a little more detail of some of the new ‘under the hood’ power.

If there’s something you’d love to see added, please shoot us a line at features@paydock.com.

We love building payment solutions to help your business.


All of us here at PayDock

API Release (v1.1.8)

  • Searchable parameters when requesting Charges through the API. You can add these as query parameters today. Simply add use like ‘/v1/charges?gateway=1234567890&from=ddmmyyyy’
    • “gateway” – include a specific Gateway ID when requesting the charges log to filter output by gateway
    • “from” – include charges from a specific date (ddmmyyyy)
    • “to” – include charges up to a specific date (ddmmyyyy)

Web Client Release (v1.0.3)


  • Ability to manager your user avatar under My Account -> Personal/User Details
  • Ability to manage refund requests through interface
  • Ability to leverage new API capabilities through interface
Read More

2015 Payment Gateway Survey

If you could use one word to describe dealing with payment gateways what would it be?


A cornerstone of doing business online, and taking payments through web apps, websites, or now even in-store, is having the right infrastructure to support your business. Key to this is having a payment gateway.


Payment gateways are a little like traffic signals. When they’re working they work really well and help things go smoothly. When they’re problematic, all sorts of trouble can occur. Having the right setup for online payments that will keep working when and how you need it to, makes a world of difference.


To better understand the relationship between businesses and their payment gateways we conducted the 2015 Payment Gateway Survey. We have had a hunch for some time that people ordinary business owners and workers find online payments a troublesome task. The hunch told us that things were not as simple as the marketing tells us it is.

From a business perspective, there’s something about taking payments online that feels… hard.


Grab the white paper now, we interviewed a wide range of people from developers, nonprofits and industry to reveal the top payment gateways they used, how businesses feel about dealing with them, and what they would like to see changed.


Download the whitepaper now

Why PayDock is the Captain Planet of Payments

By using PayDock you too can combine the powers of your payment gateways (and get some added benefits too)

Take two great payment gateways Pin Payments and Ezidebit.

Ezidebit are the direct debit experts. Their platform allows you to get paid in multiple ways and direct debit is obviously one of their biggest features.

Pin Payments is another great payment tool. Businesses love their ease of setup, the fact that no merchant account is needed, and the tools that come with it.

Both of these companies offer features that you may need for your business, and may want to integrate to software, or website. And by connecting both of these through PayDock, and you’ll be able to do more than what both of these fantastic tools offer by themselves.

By their powers combined they are…

Not only will you have direct debit, easy setup, multi currency abilities all in PayDock single API call, but you’ll also have webhooks and instant notifications as you need them.

PayDock brings you the best of both worlds, and offers you even more. The same is true for other gateways that you might want to combine.

Why Should Web Agencies Use PayDock at all?

Someone recently said to me, ‘I have a payment gateway already, why should I pay to use PayDock?’ Of course I immediately thought, ‘Well it’s pretty obvious isn’t it? I mean it’s PayDock it’s amazing.’

It’s not a big shock that he wasn’t 100% sold on it without being a part of it already. So here’s a brief overview of how I replied.

  1. Using PayDock significantly reduces development time & cost for your website or app. Integrate once – and we link to all the gateways. It can be very expensive when setting up software/websites.
  2. It reduces maintenance costs in the long term. We maintain the code so you don’t have to.
  3. You get features that your gateway doesn’t have, and you don’t have to pay to have them made just for your website.
  4. Move to a new gateway & payments move with you. Your history, data and account all stay where they are, you just switch.

It’s core to the reason we have worked on PayDock for the last two and a half years. I believe it will make things so much easier for web developers and app developers.

PayDock Now Live

After 2.5years of development, and a lot of sweat, we have launched!

The team has worked so hard with a vision to make online payments easier to setup, manage, and maintain with less cost than traditional approaches.

Businesses and nonprofits are often limited in their ability to drive real-time engagement and manage their one-off and recurring donations. We want to make this a thing of the past.

We have made PayDock both easy to use and as powerful as possible.

  • Office staff processing donations will find the web interface uncomplicated, and enjoyable to use
  • Web developers will love the power, speed, and simplicity of our API.

At the moment we have connected major payment gateways PayWay, eWay, PayPal, Stripe, Pin Payments. Major international gateways Authorize.net and Braintree are in the development pipeline.

One of the biggest benefits of the platform is being able to do more with your current payment gateway just by plugging into PayDock.

We hope you come with us on this journey, and enjoy the benefits that come with using PayDock.

Signup now

A word about dealing with payment gateways

‘If you could use one word to describe dealing with payment gateways what would it be?’

For the last decade the web has radically changed the way we live. Paper bills are almost a novelty, picking up a parcel at a ‘parcel locker’ because we do so much shopping online is now a thing.

Large and small businesses are relying more and more on transactions conducted over the Internet.

However from a business perspective, there’s something about taking payments online that feels… hard. Our experience speaking with business owners and members of the technology world told us that this was true.

As a part of our recent 2015 Payment Gateway Survey we asked people to describe dealing with their payment gateway in one word.

Most responded with negativity, using words such as:

  • Frustrating
  • Painful
  • Paperwork
  • Necessary
  • Time-consuming
  • Friction
  • Annoying
  • Confusing
  • Cumbersome
  • Complex

The overall sense that we took from this was that engagement with payment gateways as a labour intensive task that could prove confusing, complex, and yet was something they were unable to avoid due to its necessity.

This backed up our understanding of businesses over the last decade, and confirmed that there is still a need to improve upon the existing customer experience of a fundamental part of our modern economy.

Do you feel like this is something you have experienced? Some respondents came back to us and said it was painless, or routine. We’d love to hear your feedback. Have you switched gateways and found one easier than the other? Tell us your story in the comments below.

If you could fix one thing with your payment gateway what would it be?

In May and June we conducted the 2015 Payment Gateway Survey, we wanted to know what people thought of their payment gateways, and how they would improve on what they were offered. It was an eye opening survey, with some of our assumptions challenged, and others reinforced.

We heard from businesses, developers, and nonprofits – some were happy with their gateway, some were frustrated. But when it came to wanting something more from their payment gateway, every respondent had something ready to share.

We thought ‘lower fees’ would be one of the biggest themes that businesses would want to change about their gateway. Only 20% of the respondents answered to this effect, there were a myriad of other responses, here were some key quotes from people who responded:

“Being able to preset regular payments just once and not have to do it every time. There is no capacity to create recurring payments in one hit.”

“More information about what is happening as it happens.”

“Nothing is clear and there is no ability to receive real time notifications.”

“Speed of onboarding and deployment of a solution is a critical factor.”

How to enable a best-practice ‘redundant’ payments approach

With all the issues at NAB’s online payment service recently…

Which also affected Secure Pay customers…

It’s now more clear than ever the need for businesses to safeguard themselves from unexpected and disastrous downtime from their payment service provider.

With extreme losses recently suffered by both businesses and not-for-profits alike many found themselves highly exposed and looking at either one of two solutions.

Pre PayDock Solution #1: Switch providers

This is an obvious yet expensive approach approach I’ve seen many organisations take. Requiring a business-level disentangling of services, websites, applications, management and accounting – it’s always been a highly expensive option (and no more guaranteed) when it comes to stability.

Functional limitations still exist and merchants hold their breath hoping their new partner stays online and their business needs don’t outgrow their gateway.

It really falls into the ‘what else could we do’ department, as Option Two (below) carries its own price tag.

Pre PayDock Solution #2: Incorporate multiple providers

We’ve spoken to organisations who now consider this route. The costs here are extraordinary, with development needing to ‘wire in’ two (or more) gateways to cover functional needs yet provide some kind of backup. There are direct fees from the gateway provider as well as development and administration costs, not to mention the difficulty in managing customer data.

It’s not hard to see that neither of these solutions do not truly represent a elegant insurance policy against gateway downtime.

PayDock provides an alternative approach to the market.


The PayDock Solution…

With PayDock customers have the opportunity to wire into a single API – and work with many gateways. You can ‘red-light, green-light’ gateways through a simple check with our API and perform transaction routing depending on the result.

What this means is that if a payment hits a brick wall because a given gateway is down, PayDock customers can literally pass that through to the next gateway in runtime.


PayDock will minimise downtime, disruption & loss of income.

Furthermore, because we have a semantic API, it’s easy to add to your existing services and as new gateways are added you can drive down direct costs and increase your functional mix with our built-in recurring engine.

We’ve found our customers often don’t even have to uproot their existing merchant/gateway facility but can maintain established banking relationships but, this time, sleep at night knowing there’s a backup, new features and a better solution, ‘just in case’.

We’d love to have a discussion about how we can help your specific business needs, reduce pain and ensure business stability. Email us on sales@thepaydock.com or register for DayOne and take advantage of our launch benefits this June/July.


How to Get The Most Out Of Two Payment Gateways

It’s a refrain heard so many times – and it’s why PayPal has become so popular, even in Australia.

‘Let’s just use PayPal, it’s so much easier.’

Using PayPal has become one of the first things to think of when you’re thinking about taking payments online. Many businesses start down this track, and continue for as long as the PayPal solution will take them, which for some is a fair way. But for many, PayPal will become just one of many options they have for taking payments.

Taking payments through multiple payment gateways can be a bit of a problem though – for one, there are development costs. Getting another payment gateway up and running with an existing website can cost thousands of dollars, weeks of work, and interruption to your customers’ experience. Making sure the site switches between payment types, or just getting the code together can just be too big a hassle to bother trying.

This is where the beauty of PayDock lays. Just connect to PayDock once, and you can instantly connect to multiple payment processors. You might start with PayPal, and add an additional gateway later down the line. It’s as easy as entering in your new account details into PayDock, and you’re ready to go.

In PayDock you can choose which payment processor your payment will go through. You have the flexibility and choice you need to continue your business without interruption. Maybe you want to take subscriptions through Paypal, or maybe you have two payment accounts because your company requires different payments to go to different places. Either way, you’ll be able to choose.

As we continue to add more and more gateways to PayDock, you will see a greater choice. The more choice you have the better for you – this will mean continued savings, and a better experience for your customers.

What do Nonprofits Want From Their Payment Gateway?

We’ve already got some amazing feedback from the 2015 Payment Gateway Survey, and people are getting excited about being able to improve their donations process with PayDock.

Here’s a few things people we’re already hearing…

If you could fix one thing with your payment gateway what would it be?

  • A backup solution when our gateway crashes.
  • Make it simpler – there are so many different products… it’s hard to find exactly what a client is looking for
  • For us, speed of onboarding and deployment of a solution is a critical factor.
  • Being able to preset regular payments just once and not have to do it every time.

How would you fix your payment gateway?

Our survey is now closed – thank you to the community that participated!

TRANSAXED: Online Businesses Lose Thousands From NAB Transact Outages

NAB’s Transact has continued to prove unstable as the credit card payment system had an outage on Tuesday. Retailers are up in arms about thousands of dollars in lost sales, business owners and executives have taken to Twitter to vent their frustration.

With no other options but to wait while losing money by the hour, businesses have been growing impatient and desperate for answers from NAB.

Rhys Campbell, a developer from Western Australia, summed up what many businesses are only now realising.

“Another good reason for backup strategies in all things you do, including recieving [sic] electronic payments”

How can you protect your business?

Build a backup plan into your website by using a gateway switch. With PayDock you can switch credit card processors quickly and mitigate against losses when problems arise. This ‘switchability’ means there will be no big losses, no customers complaining about lost payments, and no expensive rebuilding of your website. It’s as simple as loging in to your PayDock account, making the change and you’re back on your way.

How To Own Your Own Data

So you’ve decided to move to a new credit card processor. You think to yourself it won’t be a problem, because with today’s technology you should be able to move any information that’s yours. It’s yours right?

It’s not always in the front of your mind, but consider the following scenario.

“If you want to leave Authorize.net… they will put up a fight when you ask for your data. They will claim they can’t do it or at best they will say it costs anywhere from $500-$1500 to export the data into a CSV file for you.”
Robert Oswald, on Quora.com
Authorize.net aren’t the only processor to squeeze you when it comes to your own data. One of the pitfalls of going with a payment gateway or credit card processor, is not only having to pay, but that you may not even be able to get your data at all.

Let me present to you a different way of thinking about it.

If instead of building a connection to your credit card processor and hoping they give you your data when you want it, why not get someone to securely keep the data for you? That way when you switch payment gateways, your data isn’t lost – and it’s not at the whim of a business that only wants you for themselves.

Build with PayDock, and keep your customer data independent of your credit card processor. Not only does PayDock make it easier for you to take payments, but your customer data changes with you when you change too.

Payment Gateway: Westpac PayWay

It’s a great day! PayDock is now connected with Westpac’s PayWay payment processor. PayWay is already one of Australia’s most popular payment gateways and is now even more powerful with the technology of PayDock.

Along with Payway’s stability and security PayDock brings the power of:

  • Webhooks & notifications
  • Integration with other SASS products
  • Error handling

Connect today and enjoy these benefits and more. Take a look at our gateway market to see how else an PayDock connection can charge up your payments.