Zeller
- In-person rate1.4%
- Online rate1.7% + $0.25
- Monthly feeFree
- Contract lengthNo lock-in
Est. monthly cost$224/mo
Independent · No paid rankings · AUD PricingCompare business services
Compare business services
across Australia
Independent, side-by-side comparisons across payments, POS, e-commerce, accounting, payroll, and more, using your real numbers. No sales calls, no sign-up.
- Providers indexed
- 125
- Comparison tools
- 16
- Business categories
- 6
Tracked provider rates are re-checked weekly. Last checked .
Payment Providers
- Square
- Zeller
- Stripe
- Tyro
- CommBank Smart
- NAB
- Westpac
- Smartpay (Shift4)
- ANZ (Worldline)
- SumUp
- PayPal
- Eway
- Till Payments (Nuvei)
- Clover
- Adyen
- Bendigo Bank
- SecurePay
- Fat Zebra
- Pin Payments
- Windcave
- Checkout.com
- Airwallex
The cheapest provider isn’t the same for everyone
These payment providers are compared at a sample $15,000/mo, with best-in-row cells highlighted so you can see at a glance who wins on which fee.
| Provider | Zeller | Stripe | Square | NAB |
|---|---|---|---|---|
| In-person rate | 1.4% | 1.7% + $0.10 | 1.6% | Best1.15% |
| Online rate | 1.7% + $0.25 | 1.7% + $0.30 | 2.2% | Best1.4% + $0.25 |
| Monthly fee | Free | Free | Free | $25/mo |
| Contract length | No lock-in | No lock-in | No lock-in | No lock-in (60 days notice) |
| Est. monthly cost | $224/mo | $255/mo | $267/mo | Best$184/mo |
Estimates based on $15,000/mo volume. Best-in-row cells are highlighted in emerald.
Compare 4 providers
Stripe
- In-person rate1.7% + $0.10
- Online rate1.7% + $0.30
- Monthly feeFree
- Contract lengthNo lock-in
Est. monthly cost$255/mo
Square
- In-person rate1.6%
- Online rate2.2%
- Monthly feeFree
- Contract lengthNo lock-in
Est. monthly cost$267/mo
NAB
- In-person rate1.15%Best
- Online rate1.4% + $0.25Best
- Monthly fee$25/mo
- Contract lengthNo lock-in (60 days notice)
Est. monthly cost$184/mo
What you can compare
Independent comparisons, built for Australian business
Side-by-side comparisons across payments, platforms, and software for Australian businesses.
Payments
Accounting
People & Payroll
Sales & Marketing
E-Commerce
AI
How it works
Three steps, no sign-up required
No call-backs. No “talk to a specialist”. Just numbers, side by side, so you can make the right decision for your business.
- Step 01
Tell us about your business
Share a few details, like your volume and current costs. That’s it. No email needed.
PrivateNo account, no sales call - Step 02
See every provider, ranked for you
We calculate what you’d actually pay each provider, using their published rates today. Sort by anything that matters.
Today125 providers · 16 comparison tools - Step 03
Switch and save, on your terms
Go straight to the provider with one click, or request quotes. We may earn a commission if you switch.
See what you could save
Independent, unbiased, and transparent
MerchantCompare ranks providers by actual cost to your business, not by who pays us. We compare 125 providers across 14 business services, from the big banks to independents and global platforms. No provider can pay for a higher ranking. If a cheaper option exists, our calculator shows it. Every price is shown in Australian dollars, including providers that bill in US dollars, so you compare like for like.
How we compare providers$1.2B
Projected merchant savings
RBA · 2025 review
Australian merchants stand to save around $1.2 billion a year in interchange fees
That’s the headline figure from the RBA’s 2025 review of merchant card costs. The savings only land if you’re on the right pricing structure with the right provider.
Source: RBA Review of Merchant Card Payment Costs and Surcharging, 2025
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Best Software for Australian Builders and Tradies: Accounting, Payroll and Payments (2026)
An independent guide to the best accounting, payroll and payments software for Australian builders and tradies, with live AUD pricing for subbies and crews.
12 min read · 22 July 2026
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The Complete Guide to Hiring Employees in Australia
Fair Work, Modern Awards, Single Touch Payroll and super: the employment law and payroll compliance every Australian employer needs to hire with confidence.
9 min read · 08 June 2026
Not sure which option is right for your business?
Every comparison here is built on published pricing and a cost calculator you can run yourself. If you would rather talk it through, our team can help you weigh the options.