Zeller
- In-person rate1.4%
- Online rate1.75% + 25c
- Monthly feeFree
- Contract lengthNo lock-in
Est. monthly cost$226/mo
Independent · No paid rankings · AUD PricingCompare business services
Compare business services
across Australia
MerchantCompare is an independent comparison site for Australian businesses: side-by-side comparisons of 134 providers across 15 business services, using your real numbers. No sales calls, no sign-up.
- Providers indexed
- 134
- Comparison tools
- 17
- Business services
- 15
Tracked provider rates are re-checked monthly. 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
- 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% | 1.65% + $0.10 | 1.6% | Best1.05% |
| Online rate | 1.75% + 25c | 1.65% + $0.30 | 2.2% | Best1.30% + $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 | $226/mo | $248/mo | $267/mo | Best$169/mo |
Estimates based on $15,000/mo volume. Best-in-row cells are highlighted in emerald.
Compare 4 providers
Stripe
- In-person rate1.65% + $0.10
- Online rate1.65% + $0.30
- Monthly feeFree
- Contract lengthNo lock-in
Est. monthly cost$248/mo
Square
- In-person rate1.6%
- Online rate2.2%
- Monthly feeFree
- Contract lengthNo lock-in
Est. monthly cost$267/mo
NAB
- In-person rate1.05%Best
- Online rate1.30% + $0.25Best
- Monthly fee$25/mo
- Contract lengthNo lock-in (60 days notice)
Est. monthly cost$169/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
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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.
Today134 providers · 17 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 134 providers across 15 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$910M
Projected wholesale cost cut
RBA · March 2026
Australian merchants’ wholesale card costs fall by around $910 million a year
That’s the RBA’s estimate for its interchange caps, in the March 2026 conclusions paper. Wholesale is the operative word: the cut lands on what your provider pays, and reaches you only if you’re on the right pricing structure with the right provider.
Source: RBA Review of Merchant Card Payment Costs and Surcharging, Conclusions Paper, March 2026
Latest guides
Read before you switch
Payment providers
Who Cut Merchant Fees After the Surcharge Ban (Oct 2026)
Westpac, CommBank, NAB and Stripe had cut a published merchant rate by 1 October 2026; most providers did not. Who moved, who quotes privately, and what to ask your provider.
8 min read · 02 Oct 2026
Payment providers
Merchants Are Turning to Cash to Beat the Surcharge Ban. A 10% Cash Discount Can Cost Six Times the Card Fee
A cash or PayID discount is legal after the surcharge ban, but a 10% discount can give away six times the card fee it saves, and much of it goes to customers who already paid cash. Work out your own numbers with our calculator.
6 min read · 28 Sept 2026
Payroll software
What Payroll Software Costs in Australia: Every Published Price, Ranked by Headcount
What Australian payroll software really costs at 1, 4, 20, 100 and 500 employees, from every platform's published prices run through one cost engine.
8 min read · 10 Sept 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.