Australia processes $1.2 trillion in card payments annually. Stripe takes 1.7% of every dollar. That's $20 billion leaving Australian businesses every year. RiverPay takes it back.
Four phases from alpha to monopoly. We're in Phase 1.
Why RiverPay wins and stays winning.
Built on the New Payments Platform from day one. Not bolted on. Real-time settlement is our default, not our upsell. No Australian processor has this.
Incorporated in Australia. Building toward APRA ADI licensing. ASIC-aligned. We don't need to navigate Australian regulation from San Francisco — we're already here.
Every merchant verified via ABR. Every checkout validates the seller. GST auto-calculated. BAS pre-filled. No Australian processor does this natively.
1.0% + 20¢ vs Stripe's 1.7% + 30¢. That's not a promotional rate — it's our structure. Australian interchange is lower than US interchange. We pass that through.
Every merchant on RiverPay makes the network more valuable. Cross-merchant analytics. Shared fraud detection. Industry benchmarks. The more merchants, the deeper the moat.
Payments → Invoicing → Banking → Lending → Insurance. Each layer feeds the next. Stripe started with payments. We'll finish with the full financial stack.
RiverPay isn't just cheaper — it's Australian. When merchants Google 'payment processor Australia', we own the answer. When the ATO recommends a processor, it's us. When your accountant suggests a gateway, it's the one that already speaks GST. Cultural defaults are the strongest moats in finance.
At 1.0% average take rate on $42B in processing volume, $420M in annual revenue is the Year 3 target. That's 10% of Stripe's Australian segment — taken by a processor that's actually Australian. The rest follows.
Three forces converging at the same time.
The New Payments Platform is now 8 years old with 100M+ accounts connected. Real-time settlement is proven infrastructure — but no processor has built natively on it. First-mover advantage is still available.
Australian merchants are waking up to the reality: Stripe charges US-market rates for an Australian product. 1.7% + 30¢ is a convenience tax, not a fair price. The switching cost is one integration.
APRA and RBA are actively encouraging domestic payment innovation. The government wants Australian financial sovereignty. A home-grown processor aligns with national interest.
50 spots. Australian businesses only. ABN required.
1.0% + 20¢. Same-day settlement. API keys in 24 hours.
The first 50 merchants shape the monopoly.