Proudly Australian-Owned & Operated
Confidia Limited, a publicly listed Australian company trading as "HowToPay.com," was established in Australia in 2020. We are 100% Australian-owned and operated, with our headquarters, infrastructure, and team based entirely within Australia. More information about our parent company can be found at www.confidia.com.au.
Australian Infrastructure — Built, Owned & Managed By Us
Unlike most POS and payment platforms that rely on third-party cloud providers or offshore data centres, HowToPay owns and operates its entire technology stack. Our physical servers are housed in a secure Sydney data centre under our direct control. From the hardware to the software, every layer of the HowToPay infrastructure is managed by our in-house engineering team — no middlemen, no third-party cloud dependencies, and no offshore data processing.
Your Data Stays in Australia. Always.
Confidia Limited believes that Australian business data belongs in Australia. All customer information, transaction records, and merchant data processed through the HowToPay POS platform is stored exclusively on our Australian-based servers. We never offshore data, we never use foreign cloud providers for core systems, and we maintain full sovereignty over every byte of information entrusted to us.
Purpose-Built for Australian Business
HowToPay provides a comprehensive cloud point-of-sale and payment management platform designed specifically for the Australian market. Our SaaS POS solution supports thousands of Australian small and medium-sized businesses with secure billing, inventory management, KYC (Know Your Customer) verification, and AML (Anti-Money Laundering) compliance — all running on infrastructure we own right here in Australia.
Our Heritage & Global Reach
The HowToPay.com domain and brand have been operational since 2002, building a rich history of innovation in the payment processing industry. While we are proudly Australian, our technology serves businesses worldwide through a single, secure API — ensuring merchants globally can access reliable, compliant payment and billing solutions backed by Australian engineering excellence.
Security Without Compromise
With KYC integration as a standard practice, we help merchants identify their clients, reduce fraud risk, and meet their AML obligations — all while keeping sensitive data on Australian soil. Our commitment to data sovereignty means our clients can operate with confidence, knowing their business information is protected by Australian laws, Australian infrastructure, and an Australian team.