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Windcave

Country: New Zealand (NZ)  |  Payment Rail: bank_clearing

OnlineBanking Market Adoption: 12%

Windcave is the dominant omnichannel payment gateway and acquirer headquartered in New Zealand, featuring multi-currency processing and enterprise reliability widely used for e-commerce, airlines, and government.

🔄 User Payment Flow

  1. User checks out via Windcave Hosted Payment Page or embedded iframe
  2. User enters card details or selects Account2Account / local wallet
  3. 3D-Secure 2.0 authentication verifies cardholder identity
  4. Transaction completes with real-time digital receipt

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant initiates authorization request via Windcave REST API
  • Windcave handles multi-currency tokenization, fraud scoring, and direct bank settlement
  • Funds are cleared and deposited into merchant NZD account
  • Merchant receives comprehensive settlement and reconciliation reports