These providers serve standard-risk businesses such as shops, cafes, trades, professional services and most online stores. Listed by type, not ranked.
Short summary only. On a phone, swipe sideways to see every column. Full wording, conditions and sources are in the provider cards below.
Square
Card readers, point of sale, online store, invoices and payment links in one account.
Suits: Cafes, retail, market stalls and service businesses that want to start without a contract.
Fees
- Domestic card rate: 1.6% in person; 2.2% online, invoices and keyed-in payments
- International / Amex: Amex costs the same as other cards; no separate international rate listed
- Fixed fee per transaction: None
- Monthly, setup and hardware: Free plan A$0/mo; Plus plans from A$40/mo. Reader A$65, Terminal A$329, Register A$1,099; Tap to Pay on your phone free
- Chargeback / dispute fee: Not listed on pricing page
- Payout and settlement: Next-day transfers free (including weekends); instant transfers 1.95% (up to A$5,000 a day)
- Buy now pay later: Afterpay: 6% + 30c per transaction (ex GST)
Sellers who signed up before 30 May 2024 pay 1.9% in person on Reader, Stand and Tap to Pay, per Square's fee footnote.
Custom rates may be available above A$250,000 a year.
Source: Square pricing (opens in a new tab)
Stripe
Online checkout, payment links, subscriptions and in-person Terminal readers, all through one API.
Suits: Online stores, SaaS and subscription businesses, and anyone with a developer or a platform that plugs into Stripe.
Fees
- Domestic card rate: Online 1.65% + A$0.30; in person (Terminal) 1.65% + A$0.10. Fees include GST
- International / Amex: International cards 3.5% + the fixed fee, plus 2% if currency conversion is needed
- Fixed fee per transaction: A$0.30 online; A$0.10 in person (plus A$0.15 per authorisation for Tap to Pay)
- Monthly, setup and hardware: No setup or monthly fee. Readers A$89 (BBPOS WisePad 3) to A$469 (Reader T600), ex GST
- Chargeback / dispute fee: A$25 per dispute, plus A$25 if you respond manually (refunded if you win)
- Payout and settlement: Standard payout schedule free; Instant Payouts 1.5% (minimum A$0.50)
- Buy now pay later: Afterpay 6% + A$0.30; Zip from 5.49% + A$0.30; Klarna 4.99% + A$0.55
PayTo and BECS Direct Debit: 1% + A$0.30, capped at A$3.50.
Stripe says lower international pricing applies from 1 April 2027.
Source: Stripe pricing (opens in a new tab) · Stripe payment method fees (opens in a new tab)
PayPal
PayPal checkout buttons, card processing for websites, invoices and QR code payments.
Suits: Online sellers whose customers like paying with a PayPal account, and occasional sellers.
Fees
- Domestic card rate: PayPal checkout 2.90% + A$0.30; online card payments (Advanced Credit and Debit) 1.50% + A$0.30; QR code payments 1.20%
- International / Amex: International: +1.00% on PayPal checkout, +2.10% on online card payments
- Fixed fee per transaction: A$0.30
- Monthly, setup and hardware: No monthly fee for standard checkout; Website Payments Pro A$25/mo; Virtual Terminal 3.60% + fixed fee
- Chargeback / dispute fee: A$15 (not charged if the sale is covered by Seller Protection)
- Payout and settlement: Withdraw to your linked bank account; card withdrawals 1% (A$0.25 to A$10)
- Buy now pay later: Not listed on the merchant fee page
Optional chargeback protection for card payments costs 0.40% per transaction.
Currency conversion fees of 3.0% to 4.0% apply in some cases.
Source: PayPal merchant fees (opens in a new tab)
Tyro
Australian EFTPOS terminals that integrate with more than 580 POS systems, plus a phone app and business account.
Suits: Hospitality, retail and health businesses that need terminals linked to their POS.
Fees
- Domestic card rate: 1.3% (intro offer: 1% including Amex until 31 March 2027, T&Cs apply)
- International / Amex: Intro offer includes Amex; standard Amex and international rates not stated on the pricing page
- Fixed fee per transaction: None listed
- Monthly, setup and hardware: Pro Touch and Pro Key A$29/mo; Pro Lite A$19/mo; BYO phone app A$0. No joining, cancellation or break fees
- Chargeback / dispute fee: Not published
- Payout and settlement: Not stated on the pricing page
- Buy now pay later: Not listed
Custom transaction rates are offered if you process A$20,000+ a month.
Source: Tyro EFTPOS pricing (opens in a new tab)
Zeller
Terminals you buy outright, Tap to Pay on a phone, invoices, a virtual terminal and a free transaction account.
Suits: Small retail, hospitality, trades and mobile businesses that want no terminal rental.
Fees
- Domestic card rate: 1.4% in person (1.2% with Zeller POS); 1.7% over the phone (MOTO); 1.1% online invoices (domestic cards). Includes GST
- International / Amex: Amex included at 1.4% in person; international cards on invoices priced separately
- Fixed fee per transaction: Virtual Terminal 1.75% + 25c; none on terminal payments
- Monthly, setup and hardware: Terminal A$99 (promo, normally A$199), no monthly rental. Transaction account free
- Chargeback / dispute fee: Not published
- Payout and settlement: Free. Nightly to your Zeller account; next business day to another bank
- Buy now pay later: Not listed
Custom rates may be available above A$250,000 a year in card payments.
Source: Zeller pricing (opens in a new tab)
CommBank merchant
Commonwealth Bank Smart terminals on its Single Rate Per Transaction plan.
Suits: In-store businesses that bank with CommBank and want same-day settlement.
Fees
- Domestic card rate: 0.99% in-store (Single Rate Per Transaction plan). Includes GST
- International / Amex: Covers Visa, Mastercard, eftpos, UnionPay and eligible Amex/JCB; other cards may cost more
- Fixed fee per transaction: None
- Monthly, setup and hardware: Smart terminal A$29.50/mo; no joining fee; A$500 per terminal if not returned
- Chargeback / dispute fee: A$30 investigation fee if a customer disputes a transaction
- Payout and settlement: Same day to a CommBank business account for sales before 9:30pm (Sydney/Melbourne time)
- Buy now pay later: Not listed
The 0.99% rate started on 1 October 2026 (previously 1.10%). In-store payments only.
Source: CommBank Smart terminal (opens in a new tab) · CommBank EFTPOS fees (opens in a new tab)
ANZ Worldline
ANZ's payments joint venture with Worldline: EFTPOS terminals and Tap on Mobile.
Suits: In-store businesses, especially ANZ customers who want same-day settlement.
Fees
- Domestic card rate: 0.95% on domestic Visa, Mastercard and eftpos (Worldline Edge terminal)
- International / Amex: 2.80% on international Visa and Mastercard; Amex and JCB need a separate agreement
- Fixed fee per transaction: None listed
- Monthly, setup and hardware: Worldline Edge A$25/mo (standalone or integrated); no setup or activation fee
- Chargeback / dispute fee: Applies; amount not published
- Payout and settlement: Same day for ANZ business accounts (settled before 9pm AEST); next business day for other banks
- Buy now pay later: Not listed
Source: Worldline Edge pricing (opens in a new tab)
NAB merchant
NAB EFTPOS terminals on Simple Pricing, and NAB Easy Tap on an Android phone.
Suits: In-store businesses that bank with NAB.
Fees
- Domestic card rate: 1.05% (Simple Pricing); Easy Tap 1.30% per tap
- International / Amex: Rate covers Visa, Mastercard, eftpos and UnionPay; others per your letter of offer
- Fixed fee per transaction: None
- Monthly, setup and hardware: Terminal A$25/mo; A$0 setup; no fixed-term contract. Easy Tap has no hardware fee
- Chargeback / dispute fee: Not published (set out in your letter of offer)
- Payout and settlement: Same day to a NAB business account for sales before 9:30pm (AEST/AEDT)
- Buy now pay later: Not listed
NAB lists a once-off A$300 rental rebate for new terminals taken up by 30 November 2026 (conditions apply).
Source: NAB in-person payments (opens in a new tab) · NAB EFTPOS rates (opens in a new tab)
Westpac merchant
Westpac EFTPOS terminals, PayWay online payments and the EFTPOS Air phone app.
Suits: In-store businesses wanting a low flat rate, and Westpac customers.
Fees
- Domestic card rate: 0.79% on terminals and PayWay; 1.25% on EFTPOS Air and OnlinePay. Includes GST
- International / Amex: 0.79% covers eftpos, Mastercard, Visa and UnionPay; Amex and JCB only on EFTPOS Air where eligible
- Fixed fee per transaction: None
- Monthly, setup and hardware: Terminal A$24.75/mo (A$27.50 EFTPOS Connect); EFTPOS Air A$0; no setup fee or lock-in
- Chargeback / dispute fee: No fee for investigating occasional disputes
- Payout and settlement: EFTPOS Now is advertised with instant settlement
- Buy now pay later: Not listed
Westpac says the flat rate is reviewed periodically.
Source: Westpac EFTPOS fees (opens in a new tab) · Westpac rate change, 24 Sept 2026 (opens in a new tab)
Shopify Payments
The built-in payment option for Shopify online stores and Shopify POS.
Suits: Businesses selling through a Shopify store.
Fees
- Domestic card rate: Online 1.7% + 30c (Basic) down to 1.15% + 30c (Plus); in person 1.85% (Basic) down to 1.45% (Plus)
- International / Amex: Amex 2.9% + 30c down to 2.6% + 30c; international 3.5% + 30c down to 3.2% + 30c
- Fixed fee per transaction: 30c online; none in person
- Monthly, setup and hardware: Plan fee: Basic A$56/mo (A$42 paid yearly), Grow A$149 (A$114), Advanced A$575 (A$431), Plus from A$3,700. Extra 2% to 0.2% if you use a third-party gateway
- Chargeback / dispute fee: Not listed on pricing page
- Payout and settlement: Not listed on pricing page
- Buy now pay later: Not listed on pricing page
Source: Shopify pricing (opens in a new tab)
Windcave
Online gateway, in-store terminals and unattended payments such as kiosks, vending and parking.
Suits: Businesses needing unattended or multi-channel payments.
Fees
- Domestic card rate: Quote only
- International / Amex: Quote only
- Fixed fee per transaction: Quote only
- Monthly, setup and hardware: Quote only
- Chargeback / dispute fee: Quote only
- Payout and settlement: Quote only
- Buy now pay later: Not listed
Windcave doesn't publish standard pricing; contact sales for a quote.
Source: Windcave (opens in a new tab)
Eway
Australian online payment gateway with 250+ e-commerce integrations; also a gateway-only option if you have a bank merchant account.
Suits: Online stores on platforms such as WooCommerce, Magento or Xero invoicing.
Fees
- Domestic card rate: 1.5% + 25c on Visa, Mastercard and Amex. Includes GST
- International / Amex: Plus 1.99% on international credit cards
- Fixed fee per transaction: 25c
- Monthly, setup and hardware: No setup or monthly fee. Merchant Trust Initiative (PCI program) applies after 50 transactions: A$178 first year, then A$142 a year*
- Chargeback / dispute fee: Not published
- Payout and settlement: 1 to 3 business days
- Buy now pay later: Not listed
*The same Eway page's FAQ shows a different PCI program price (A$149.95, then A$9.95 a month billed annually), so confirm with Eway.
Gateway-only plans (you bring a bank merchant account): A$20/mo + 50c (not-for-profits), A$30/mo + 60c, or A$60/mo + 40c, billed annually.
Source: Eway online payments pricing (opens in a new tab) · Eway gateway plans (opens in a new tab)
Pin Payments
Australian online card payments API with payouts, built for developers and platforms.
Suits: Online businesses and platforms that want a simple API and local support.
Fees
- Domestic card rate: From 1.6% + 30c
- International / Amex: International cards 3.4% + 30c; 1.7% conversion fee on foreign-currency sales
- Fixed fee per transaction: 30c
- Monthly, setup and hardware: No setup or monthly fee; custom pricing above A$30,000 a month
- Chargeback / dispute fee: A$25 if the dispute is lost; no fee if you win
- Payout and settlement: Not stated; 30c per transfer to a third-party bank account
- Buy now pay later: Not listed
Source: Pin Payments pricing (opens in a new tab)
Braintree (PayPal)
PayPal's payment platform for larger online and app businesses: cards, wallets and PayPal in one integration.
Suits: Growing online and app businesses with developer resources.
Fees
- Domestic card rate: 1.75% + A$0.30. Includes GST
- International / Amex: 3.9% + A$0.30 when the transaction is in a currency other than your home currency
- Fixed fee per transaction: A$0.30, also charged on refunds, voids, verifications and declined transactions
- Monthly, setup and hardware: None listed; discounted rates above A$100,000 a month
- Chargeback / dispute fee: A$25 (optional chargeback protection 0.4%)
- Payout and settlement: Not stated on the fee page
- Buy now pay later: PayPal options follow your PayPal account terms
Source: PayPal Braintree fees (opens in a new tab)
Adyen
Global payments platform for larger businesses, online and in store, priced per payment method.
Suits: Larger and multi-country businesses.
Fees
- Domestic card rate: Interchange++ plus Adyen's markup, plus a fixed processing fee
- International / Amex: Priced per payment method and card type
- Fixed fee per transaction: A fixed processing fee per transaction (shown as $0.13 on Adyen's pricing page)
- Monthly, setup and hardware: No setup or monthly fee, but a minimum monthly invoice that depends on industry (quote)
- Chargeback / dispute fee: Not listed on pricing page
- Payout and settlement: Flexible: choose when and in which currency you settle
- Buy now pay later: Zip Pay 3.50% + A$0.30; Zip Money 3.89% + A$0.30 (plus Adyen's fixed fee)
Interchange++ means you pay the card networks' actual interchange and scheme fees plus the provider's own markup.
Source: Adyen pricing (opens in a new tab)
Airwallex
Business account with multi-currency wallets, cards and FX, plus online card acceptance.
Suits: Businesses selling to or buying from overseas.
Fees
- Domestic card rate: 1.65% + A$0.30 on domestic Visa, Mastercard, Amex, Apple Pay and Google Pay
- International / Amex: 3.45% + A$0.30 on international cards
- Fixed fee per transaction: A$0.30
- Monthly, setup and hardware: Account A$0 or A$29/mo (waived with A$5,000 monthly deposits or a A$10,000 balance); Grow plan A$99/mo
- Chargeback / dispute fee: Not listed on pricing page
- Payout and settlement: Instant withdrawals 0.2% on the entry plan, free on higher plans
- Buy now pay later: Not listed
FX conversion 0.5% above interbank for major currencies, 1% for others.
Source: Airwallex pricing (opens in a new tab)
