Airwallex combines global payment processing with multi-currency accounts, FX, cards, billing, and platform payment capabilities.
Macropay is purpose-built around software revenue and assumes merchant-of-record operations while metering AI and usage-based products.
| Area | Macropay | Airwallex |
|---|---|---|
| Published pricing | 4.5% + 50¢ per transaction, all-in | 2.8% + 30¢ domestic; 4.3% + 30¢ international cards |
| Product category | AI-first Merchant of Record | Global financial and payments platform |
| Operating model | Merchant of Record by default | Payment acceptance, accounts, FX, cards, and money movement |
| Merchant of record | Macropay for covered transactions | Your business generally remains the merchant |
| Tax calculation & collection | Included for covered transactions | Airwallex processes payments and offers billing tools, but your business generally remains the seller responsible for configuring tax collection. |
| Tax filing & remittance | Included for covered transactions | Airwallex does not generally take over your registrations, returns, and remittance as merchant of record. |
| International & FX | Included in the published transaction price | International-card rate and local payment-method charges |
| Billing focus | AI, agents, SaaS, and usage-based products | International payment acceptance and multi-currency financial operations |
Product scope and eligibility can vary by country and contract. Review Airwallex's official product information.
A true comparison includes payment fees, tax liability, filing, international sales, billing software, and the people operating the stack.
Per transaction, with the core global revenue workflow included.
US pricing also lists 0.5% for subscription management and usage billing, payment-method fees for local methods, and separate FX or transfer charges.
A processor may accept a tax amount at checkout—or connect to a tax calculator—without becoming the legal seller that registers, files, remits, and answers an audit.
Airwallex: Airwallex processes payments and offers billing tools, but your business generally remains the seller responsible for configuring tax collection.
Macropay: Included for covered transactions.
Airwallex: Airwallex does not generally take over your registrations, returns, and remittance as merchant of record.
Macropay: Macropay files and remits for covered transactions.
Airwallex: Your team retains tax registration, filing, and remittance responsibility
Macropay: The MoR is the legal seller for covered transactions.
Separate the value of Airwallex accounts, cards, FX, and transfers from the cost of the customer-sale stack; they solve a broader treasury problem than an MoR.
Airwallex can be the stronger fit when its existing ecosystem, operating model, or payment footprint is central to your roadmap.
Your business generally remains the merchant
Airwallex processes payments and offers billing tools, but your business generally remains the seller responsible for configuring tax collection. Airwallex does not generally take over your registrations, returns, and remittance as merchant of record.
Airwallex: 2.8% + 30¢ domestic; 4.3% + 30¢ international cards. Macropay publishes 4.5% + 50¢ per transaction, including its Merchant of Record, tax, fraud, dispute, and payout operating layer. Eligibility and contracted terms can vary.
Rates shown are published US or global list prices where available. Region, risk, volume, payment method, product eligibility, and contract can change actual pricing and tax scope. This comparison is not tax advice.
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