Zeller
- In-person rate1.4%Best
- Online rate1.7% + $0.25
- Monthly feeFree
- Contract lengthNo lock-in
Est. monthly cost$684/mo
Independent · No paid rankingsCompare merchant fees
Compare merchant fees
across Australia.
See what every payment provider we track would charge, using their published rates and your real monthly volume. No sales calls. No sign-up. No fake urgency.
- Providers indexed
- 21
- Fee categories tracked
- 18
- To get your number
- 2 min
Payment providers
- Square
- Zeller
- Stripe
- Tyro
- CommBank Smart
- NAB
- Westpac
- Smartpay (Shift4)
- ANZ
- SumUp
- PayPal
- Eway
- Till Payments
- Clover
- Adyen
- Bendigo Bank
- SecurePay
- Fat Zebra
- Pin Payments
- Windcave
- Checkout.com
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
Monthly card volume, average transaction size, and your in-person / online split. That’s it. No email needed.
Example$42,500/mo · $18 avg · 70% in-person - Step 02
See every provider, ranked for you
We calculate what you’d actually pay each of our 21 providers, using their published rates today. Sort by anything that matters.
Today21 providers · 18 fee categories - Step 03
Switch and save, on your terms
Go straight to the provider with one click, or request quotes. We earn a commission only if you switch.
Save $4,200/yr on average
The cheapest provider isn’t the same for everyone.
Best-in-row cells are highlighted, so you can see at a glance who wins on which fee.
| Fee category | Zeller | Stripe | Square | Adyen |
|---|---|---|---|---|
| In-person rate | Best1.4% | 1.7% + $0.30 | 1.6% | IC++ + 0.6% + 13c |
| Online rate | 1.7% + $0.25 | 1.7% + $0.30 | 2.2% | IC++ + 0.6% + 13c |
| Monthly fee | Free | Free | Free | Free |
| Contract length | No lock-in | No lock-in | No lock-in | Typically annual |
| Est. monthly cost | Best$684/mo | $723/mo | $859/mo | Get quote |
Estimates based on $42,500/mo volume. Best-in-row cells are highlighted in emerald.
Compare 4 providers
Stripe
- In-person rate1.7% + $0.30
- Online rate1.7% + $0.30
- Monthly feeFree
- Contract lengthNo lock-in
Est. monthly cost$723/mo
Square
- In-person rate1.6%
- Online rate2.2%
- Monthly feeFree
- Contract lengthNo lock-in
Est. monthly cost$859/mo
Adyen
- In-person rateIC++ + 0.6% + 13c
- Online rateIC++ + 0.6% + 13c
- Monthly feeFree
- Contract lengthTypically annual
Est. monthly costGet quote
$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
Latest guides
Read before you switch.
Payment providers
The RBA Surcharge Ban Starts 1 October 2026: What Australian Businesses Need to Do
From 1 October 2026, Australian businesses can no longer surcharge customers on EFTPOS, Visa, or Mastercard. Here's what changes, who's affected, and the practical steps merchants should take now.
11 min read · 14 May 2026
Payment providers
How to Compare Payment Providers in Australia: A 7-Step Guide for 2026
A practical seven-step framework for picking the right payment provider for your business, from working out your real card volume to reading the contract before you sign.
11 min read · 11 May 2026
Payment providers
Merchant Fees in Australia: A Plain-English Guide for Small Businesses
What you actually pay every time a customer taps a card, broken into interchange, scheme fees, and acquirer margin. With real Australian rates, the May 2026 interchange caps, and how to read your statement.
12 min read · 07 May 2026
Need help choosing the right provider?
Our team can audit your current merchant fees and negotiate better rates on your behalf.