Zeller
- In-person rate1.4%
- Online rate1.7% + $0.25
- Monthly feeFree
- Contract lengthNo lock-in
Est. monthly cost$223/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
- 104
- Comparison tools
- 13
- Business categories
- 5
Rates verified weekly. Last checked 17 June 2026.
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
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 | $223/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
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.
Today104 providers · 13 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 104 providers across 12 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
Latest guides
Read before you switch
Payroll software
The Complete Guide to Hiring Employees in Australia
Hiring in Australia means navigating Fair Work, Modern Awards, Single Touch Payroll and superannuation. This guide covers the employment law, payroll and compliance every employer needs, and how an Employer of Record like Deel lets you hire without setting up a local entity.
9 min read · 08 June 2026
Payment providers
Interchange Plus vs Flat Rate: Which Pricing Model Saves You More?
Flat rate gives you one simple percentage; interchange-plus shows the real cost of each card and adds a fixed margin. Here is how both models work, the maths with worked examples, and which one is cheaper for your Australian business.
10 min read · 07 June 2026
Payment providers
The Australian Merchant Fees Report 2026: What 21 Payment Providers Actually Charge
We collected the published card-acceptance pricing of 21 payment providers operating in Australia. The headline finding: only 38% publish a flat in-person rate, online rates range from 1.4% to 2.9%, and the gap between the cheapest and dearest provider is worth $9,000 a year on $50,000/month of card turnover.
9 min read · 01 June 2026
Need help choosing the right provider?
Our team can audit your current merchant fees and negotiate better rates on your behalf.