What it does
Windcave provides payment acceptance for online stores, in-person checkout and unattended environments such as kiosks. Payline brings transactions from different channels into a browser-based merchant portal. Merchant services are available in markets including New Zealand, Australia, the UK, Canada and the US, with quoted rates and account approval.
For collection without a custom checkout, PayForm gives customers a fixed web address where they enter an amount. Paylink sends a hosted payment page by email or SMS. Developers can use separate integration routes for online, attended and unattended payments.
To return a card payment, open Transaction Search, select the transaction and use its Refund tab.
Fees are agreed with the merchant and vary by country and payment mix. Windcave's merchant-services application asks for ID, address and bank-account documents. Existing Windcave merchants contact the team to add merchant services; new applicants use the online form.
Strengths
- Payline supports manual card collection and recurring billing
- The Xero integration adds Windcave as an invoice payment option
Watch out for
- The merchant-services agreement has a 36-month term and cancellation charges
- Refunds need merchant-account activation and are subject to daily limits
Best for
- Businesses combining staffed shops, online sales and unattended machines
- Finance teams reviewing payments from several sales channels
Sources
- Windcave payment solutions (Oct 27, 2026)
- Windcave Data Insights and Payline (Oct 27, 2026)
- Windcave user guides (Oct 27, 2026)
- Windcave merchant FAQs (Oct 27, 2026)
- Windcave developer documentation (Oct 27, 2026)