payment methods

Maximizing E-commerce Success in Australia with POLi Payments: A Comprehensive Guide for International Merchants

Maximizing E-commerce Success in Australia with POLi Payments: A Comprehensive Guide for International Merchants

The Australian e-commerce market continues to show significant growth. In 2024, the market is projected to reach a revenue figure of $35.92 billion. This represents a continuation of the rapid growth seen in previous years, fueled by various factors including the increasing preference for online shopping among Australian households and the rise of digital payment solutions like POLi. Additionally, the Australian eCommerce market is expected to grow at a compound annual growth rate (CAGR) of 8.33%, reaching $49.47 billion in sales by 2028​​​​.

Understanding POLi Payments in Australia

The Rise of POLi in Australian E-commerce

POLi has carved a niche as one of the most preferred online payment options in Australia, facilitating seamless Pay Anyone internet banking payments. Its integration with Australia Post’s robust infrastructure lends it unparalleled reliability and trust, making it a cornerstone of the digital payments landscape in the region.

How POLi Works

At its core, POLi enables users to conduct direct funds transfers from their bank accounts to merchants without the need for credit cards. This simplicity of use, coupled with the elimination of the need for a traditional account registration process, positions POLi as a user-friendly payment gateway for Australians and international merchants alike.

The Advantages of Using POLi for Businesses and Consumers

Instantaneous Transactions

POLi Payments are distinguished for their rapid processing, where transactions, particularly through POLi PayID, are completed almost instantly. This efficiency is paramount for businesses that prioritise quick turnaround times and for consumers who value speed in their online transactions.

Security Assured

With regular security reviews and the use of 2048-bit encrypted SSL certificates, POLi assures the utmost privacy and security for its users. Sensitive information, such as usernames and passwords, are never stored, providing a safe transaction environment.

No Registration Needed

POLi simplifies the online payment process by eliminating the need for account registration. Users can select POLi at checkout, facilitating a smoother and faster transaction process, enhancing the overall user experience.

POLi's Integration in International Payment Gateways

Facilitating Cross-Border Payments

For international merchants eyeing the Australian market, POLi serves as an essential bridge, enabling direct payments from any Australian bank. This multi-bank redirect capability ensures merchants can offer a localized payment solution, essential for tapping into Australia's lucrative e-commerce sector.

The Checkout Process with POLi

Within Australia and New Zealand:

  • Consumers select their bank from the POLi payment option at checkout.
  • They then input their internet banking credentials to authenticate the transaction.
  • Upon confirmation, the funds are directly transferred from the consumer's bank account to the merchant's account, completing the transaction.

For International Transactions:

  • A third-party payment provider comes into play to facilitate the process for transactions outside Australia and New Zealand.
  • Consumers select POLi as their payment method via the third-party provider's platform.
  • They complete the transaction as they would in a local POLi transaction.
  • The funds are first transferred to the payment provider’s local account in Australia or New Zealand.
  • Then, the funds are moved to the payment provider's international account.
  • Finally, the funds are disbursed to the foreign seller’s account, ensuring a seamless cross-border transaction.

Navigating Challenges with POLi


One of the primary drawbacks of POLi is its availability, which is currently limited to Australia and New Zealand. This regional exclusivity can pose challenges for international transactions, necessitating a third-party payment provider for global merchants.

Internet Reliant

Given Australia's vast landscape and varied internet connectivity, the online nature of POLi Payments means that transactions may sometimes be hindered by network stability issues, affecting the consistency of the payment experience.

POLi Fees and Transaction Costs

POLi endeavors to keep costs low, charging a modest 1.25% per transaction, capped at 3%, and a flat fee of AUD 0.95 for PayID payments. While third-party payment providers may introduce additional costs, the overall affordability of POLi transactions remains a significant advantage for businesses and consumers.

Leveraging POLi for E-commerce Growth in Australia

Market Penetration Strategies

Adopting POLi can dramatically enhance an international merchant's appeal to Australian consumers, offering a familiar and trusted payment method. This localization strategy not only boosts sales but also builds consumer trust and loyalty.

Enhancing Customer Experience with POLi

Integrating POLi into your payment options can significantly streamline the checkout process, reducing cart abandonment rates and elevating the overall shopping experience. The convenience and security of POLi payments encourage repeat business, fostering a loyal customer base.


In Australia's dynamic e-commerce environment, POLi Payments emerges as a pivotal solution for businesses aiming to capitalize on digital market opportunities. Its integration into international payment gateways offers a seamless, secure, and user-friendly transaction process, vital for tapping into Australia's growing online consumer base.

Ready to Embrace the Future of Payments?

Exploring POLi as part of your payment solutions is more than just offering another payment method; it's about unlocking the full potential of the Australian e-commerce market. For international merchants, the journey towards maximizing e-commerce success in Australia starts with understanding and implementing localized payment methods like POLi. Discover how integrating POLi Payments can transform your business and contact Tazapay for seamless international transactions today.