21 providersAll prices in AUD

Compare Payment Providers in Australia

Compare Australian payment providers side-by-side. EFTPOS, online payments, terminal costs, and contract terms.

Browse all Payment Providers in our directory
Updated
70%30%
In-personOnline
Filters
Westpac logoWestpacNAB logoNABSumUp logoSumUpZeller logoZellerSquare logoSquareStripe logoStripePin Payments logoPin Payments
Est. Cost /mo (AUD)$214/moCheapest$231/mo$242/mo$246/mo$267/mo$303/mo
Visit Westpac
Visit NAB
Visit SumUp
Visit Zeller
Visit Square
Visit Stripe
Visit Pin Payments
Ratings
——4.5Capterra (1,470)4.0Trustpilot (264)4.6Capterra (3,031)4.6Capterra (3,347)4.6G2 (58)
Pricing
1.2%Best1.15%1.4%1.4%1.6%1.7% + $0.10Online only
1.4%1.4% + $0.252.1%1.7% + $0.252.2%1.7% + $0.301.6% + 30c
$24.75/mo$25/moFreeFreeFreeFreeFree
$24.75/mo rental$25/mo rentalBestFrom $24From $99$65From $89Online only
FreeFreeFreeFreeFreeFreeFree
QuoteFreeFree$25$25
1.2%Best1.15%1.4%1.4%1.6%1.7% + 30c1.6% + 30c
0%0%0%+1.8%+1.8%
FreeFreeFreeFreeFree
FreeFreeFreeFreeFree
Features
No lock-inNo lock-in (60 days notice)No lock-inNo lock-inNo lock-inNo lock-inNo lock-in
InstantNext business dayNext business dayNext business dayNext dayStandard payoutsStandard payouts
✓✓✕✓✕✕✕
None60 days noticeNoneNoneNoneNoneNone
InstantNext business dayQuoteStandard payouts1.5%1.5%Standard payouts
✓✓✓✓✓✓✓
Estimates based on $15,000/mo volume. Rates can change without notice, confirm current pricing with the provider before signing on.
How we calculate this
  • Estimated cost: each provider’s published prices and rates applied to the inputs you set above (such as volume, team size, or invoices), plus any fixed monthly fees.
  • Providers with an incomplete cost (shown as “+ processing” or “+ payroll”) and quote-only providers are never ranked as the cheapest while a complete-cost option exists.
  • These are estimates. Published rates can change and your final pricing depends on your business, so confirm current pricing with the provider before switching.
Frequently asked

How the comparison works.

A few things to know before you switch.

  • We take each provider's published in-person and online transaction rates, weight them by the split you set, multiply by your monthly card volume, then add any monthly fee. Per-transaction fees (e.g. fixed cents per sale) are layered on using your average transaction size. Actual costs can vary based on card mix, international cards, chargebacks, and add-on fees.

  • Provider rates are reviewed weekly against each provider's public pricing page. Some providers (especially enterprise acquirers) negotiate custom pricing and may not publish a rate. Those providers show "Custom quote" instead of an estimate.

  • We may earn a commission when you click through to a provider and sign up, where a commercial arrangement is in place. This never affects the order of results. Providers are ranked by the cheapest option for the inputs you set, not by what we get paid.

  • Some providers, particularly for larger merchants, offer interchange-plus (IC++) pricing which can work out cheaper than flat rates. Providers showing "Custom quote" or "Interchange++" usually offer this. Contact them directly for a personalised rate and verify against the flat-rate alternative.

  • Most providers handle the onboarding for you: apply online, hardware ships within a few business days, and your existing terminal is returned to the previous provider. If you're mid-contract, check for early termination fees, often listed in the comparison table above.

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