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Payment Solutions · Papua New Guinea

Accept online payments from customers across Papua New Guinea

We integrate the online payment gateways of every bank in Papua New Guinea — including BSP Online Payments, BSP Pay and Kina Bank’s Internet Payment Gateway — into your website, portal or app, so customers can pay securely by card or straight from their bank account, and every payment is receipted and reconciled automatically.

Book a consultation See PNG applications

What’s included

Integration with all PNG banks’ payment gateways
BSP Online Payments — Visa debit & credit cards
BSP Pay — no-card bank account payments
Kina Bank IPG — Visa, Mastercard & local cards
Checkout, e-receipts & reconciliation

Payment gateways we implement

Three ways for your customers to pay online

We have integration capabilities with the online payment gateways of all banks in Papua New Guinea. These are the options most clients start with — we integrate each one end to end, from your merchant application to a tested, live checkout, and can combine them so customers choose how they pay.

Visa debit & credit cards

BSP Online Payments

BSP’s PNG-built Internet Payment Gateway (IPG) lets customers pay on your website or portal with a Visa debit or credit card — including the BSP Visa debit cards held by many local customers. It already processes payments for organisations such as Air Niugini and government services on the Department of Finance customer portal.

Secure card checkout on BSP’s gateway — card details never stored on your systems
Instant e-receipts by email or SMS
Real-time revenue reporting for finance teams
Offered side by side with BSP Pay at checkout

Best for: Card-holding customers, local and international

No card, just pay

BSP Pay

BSP Pay lets any BSP account holder pay directly from their bank account — no card required. At checkout the customer selects BSP Pay, enters their name and BSP Customer ID, and confirms with a one-time security code sent to their registered mobile. It reaches the many Papua New Guineans who have a bank account but no debit card.

Pay straight from a BSP account — no Visa card needed
One-time SMS security code on every payment
Real-time settlement into your BSP account
Used by merchants such as Air Niugini, Telikom and UPNG

Best for: BSP account holders without a card — students, parents, SMEs

Kina Internet Payment Gateway

Kina Bank Online Payments

Kina Bank’s Internet Payment Gateway accepts Visa and Mastercard and was the first in PNG to accept locally issued bank cards, so more customers can pay online. Transactions are protected with 3D Secure authentication, with customers confirming payments by SMS or WhatsApp. It powers online sales for businesses such as the Jungle marketplace and government services like the Immigration & Citizenship Authority.

Visa, Mastercard and local Kina Bank cards
3D Secure cardholder authentication
Checkout for websites and mobile apps
Secure, reliable processing between customer and store

Best for: Card payments, including customers with local bank cards

Which option fits your customers?

Most organisations offer two or more options. Here is how they compare.

Feature	BSP Online Payments	BSP Pay	Kina Bank Online Payments
Customer pays with	Visa debit or credit card	BSP bank account (BSP Customer ID)	Visa, Mastercard or local Kina Bank card
Customer verification	Secure card checkout on BSP’s gateway	One-time SMS security code	3D Secure, confirmed by SMS or WhatsApp
Merchant facility with	BSP	BSP	Kina Bank
Best for	Card holders, local and international	BSP customers without a card	Card holders, including local cards

BSP, BSP Pay, Kina Bank, Visa and Mastercard are trademarks of their respective owners. Merchant facilities, approval and transaction fees are provided by the banks; Agri-Tech Organics provides the technical integration.

Emerging-market context

Why online payments matter in PNG

Customers in Papua New Guinea increasingly expect to pay online — for airline tickets, school fees, utilities, government permits and online shopping — yet many still queue at branches or pay in cash. Far more people hold a bank account than a debit card: BSP alone reported more than 1.8 million accounts against roughly 200,000 debit cards when it launched BSP Pay. And after a major global provider withdrew from PNG, the local banks built their own gateways. Offering the right mix of card, bank-account and local-card payments means more customers can pay you, from Port Moresby to the provinces.

How we adapt for PNG

Accept payments 24/7 without handling cash
Reach customers who have a bank account but no card
Automatic e-receipts and reconciliation
Locally hosted gateways backed by PNG banks

Capabilities

What we deliver

Gateway integration

We handle the technical integration with BSP, Kina Bank and every other bank in PNG — checkout flows, payment notifications, transaction status checks, and testing through to go-live.

Websites, portals & apps

Payments built into WordPress and WooCommerce sites, custom web portals and Android and iOS apps, with a checkout designed for mobile and low bandwidth.

Reconciliation & reporting

Automatic order and invoice matching, e-receipts by email or SMS, and exports or integrations for your accounting or ERP system.

Security & compliance

Card data stays on the bank’s gateway. We add HTTPS everywhere, signed requests, audit logs and role-based access for finance staff.

Applications in Papua New Guinea

Where this creates impact

Examples of how organisations across PNG’s key sectors can put this service to work.

Government & SOEs

Fees, licences, permits and fines paid online, with instant e-receipts and real-time revenue reporting.

Education

School and university fees paid by students, parents and guardians through BSP Pay or card.

Retail & e-commerce

Online stores and marketplaces accepting cards and bank-account payments from anywhere in PNG.

Travel, utilities & services

Tickets, bookings, bill payments and subscriptions settled automatically to your account.

Outcomes

What you can expect

Get paid faster, without handling cash

More customers able to pay — card or no card

Every payment receipted and reconciled automatically

A secure checkout backed by PNG’s banks

How we deliver

Discover — We listen, map your goals, constraints and users, and define what success looks like.
Design — Architecture, UX and delivery plans that balance ambition, budget and risk.
Build — Iterative, tested engineering with regular demos and transparent progress reporting.
Deploy & grow — Secure go-live, hosting, training and continuous improvement as you scale.

FAQ

Common questions

Can you integrate with other banks?

Yes. We have integration capabilities with all banks in Papua New Guinea, so we can connect your website, portal or app to the gateway of whichever bank holds your merchant facility — or to several banks at once.

Do I need a merchant facility with the bank?

Yes. BSP and Kina Bank approve and contract merchants directly. We help you prepare your application, gather the business details the bank needs and work with the bank’s digital team through testing and go-live.

Can I offer more than one payment option?

Yes. Many organisations offer BSP Pay alongside card payments, or both BSP and Kina Bank gateways, so customers can choose. We build a single checkout that sends each payment to the right gateway and records it in one place.

Is it secure?

Card details are entered on the bank’s secure gateway, not stored on your systems. BSP Pay payments are confirmed with a one-time SMS code, and Kina Bank’s gateway uses 3D Secure authentication.

What does it cost?

Transaction fees are set by each bank under your merchant agreement. Our integration work is quoted per project — book a free consultation and we’ll recommend the right mix of gateways for your customers.

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