How do people in Kiribati pay online?
Kiribati is a very small market, with about 136,000 people in 2025 according to the World Bank, which also puts internet use at 89.4% of the population in 2024. There is no published national survey of how people pay online, so this guide describes what the banks offer and is honest about the limits of the data.
Kiribati uses the Australian dollar. ANZ Kiribati, part of the ANZ Group since 2001 when the Bank of Kiribati joined it, quotes its card limits in AUD.
Visa debit cards are the direct way to pay a website. ANZ Kiribati says its Visa Debit Card can be used online and in stores, in Kiribati and overseas, wherever Visa is accepted, with contactless payments up to AUD 35 without a PIN.
Merchants can take cards online. ANZ Kiribati offers EFTPOS terminals and an eGate service to accept Visa and Mastercard payments online. It also offers internet banking for customers.
Google Pay is on Google’s list of countries where people can pay online and in apps. Apple Pay is not on Apple’s list for Kiribati.
What rules shape online payments in Kiribati?
VAT is 12.5%. VATupdate reported in July 2026 that the Value Added Tax (Amendment) Act 2025, in force from 1 January 2026, brings non-resident digital service providers into VAT. They must register once their taxable supplies to Kiribati pass AUD 100,000 and charge VAT at 12.5%.
We could not find official public sources on consumer withdrawal rights, data protection or payment-specific rules for online sales in Kiribati, so this guide leaves them out.
How would Omno route payments in Kiribati?
A merchant would connect once and set routing rules per method, currency, amount and customer group. In Kiribati:
- Card payments in AUD would be routed by BIN to a provider that acquires Visa and Mastercard, with cascading to the next provider in the rule if one is unavailable or rejects the request.
- Google Pay would be offered on the hosted checkout and routed under the same card rules.
- Bank transfers could be accepted through a provider that confirms incoming payments by notification.
Webhooks would report the final status of every payment, and the routing-decision log would show which provider handled each payment and why.
What should merchants plan for?
Plan for Visa debit cards. They are the card ANZ Kiribati issues for use online and overseas.
Plan for VAT if you sell digital services. From 1 January 2026, non-resident providers register once their supplies pass AUD 100,000.
Plan for AUD pricing. Kiribati uses the Australian dollar, so there is no separate local currency to support.