22 providersAll prices in AUDPrices checked

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
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In-personOnline
Filters
Westpac logoWestpacNAB logoNABSumUp logoSumUpZeller logoZellerSquare logoSquareStripe logoStripePin Payments logoPin Payments
Est. Cost /mo (AUD)$214/moCheapest$232/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)
Rates & fees
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
NoneNoneNoneNoneNoneNoneNone
$24.75/mo$25/moFreeFreeFreeFreeFree
1.2%Best1.15%1.4%1.4%1.6%1.7% + 30c1.6% + 30c
FreeFreeFreeFreeFreeFreeFree
QuoteFreeFree$25$25
FreeFreeFreeFreeFree
0%0%0%+1.8%+1.8%
FreeFreeFreeFreeFree
Unified commerce
NoNoNoPartialYesYesPartial
Online capabilities
YesNoYesYesYesYesYes
Not statedNot statedYesYesYesYesVia Xero add-on integration, not native
YesYesNoYesYesNot statedYes
YesYesYesNoYesYesYes
✓✓✓✓✓✓✓
Hardware
EFTPOS Air (mobile app, no extra hardware), EFTPOS Now (standalone mobile terminal), EFTPOS Connect (Linkly-integrated terminal), EFTPOS Flex (fixed/self-serve kiosk terminal)Standalone terminal (QT850), Integrated terminal (Ingenico Move 5000), NAB Easy Tap (Android app, no separate iPhone Tap to Pay)Smart Terminal, Solo, Point of Sale Lite (tablet), Air, Go, Tap to Pay on iPhoneSmart terminal (Terminal 1x, Terminal 2, both with built-in printer/receipt options), Tap to Pay on phone via Zeller AppSmart terminal (Register, Terminal), handheld reader, countertop stand, mobile reader, Tap to Pay on iPhone and AndroidSmart terminal (Stripe Reader S710, S700), mobile/handheld reader (BBPOS WisePad 3), self-service kiosk (Verifone UX700), Tap to Pay on iPhone and AndroidNone (online gateway; POS runs on the merchants own phone or browser)
NoNoYesYesYesNoYes (software-based, no proprietary hardware)
N/AN/ANot statedNot statedNot statedN/AN/A
Not statedNot statedNot statedNoYes (up to 24 hours)YesNo
WiFi and 4G on EFTPOS Now and Connect; hard-wired connection on EFTPOS FlexWireless or wiredWiFi plus a built-in SIM with free unlimited 4G; Bluetooth on Solo for device pairingWiFi, 4G SIM (Optus network), optional Ethernet Dock accessoryWiFi (Terminal, Register, Stand); Bluetooth 5.3 on Reader (pairs to a phone or tablet); the host phone's own connectivity for Tap to PayWiFi/Bluetooth on most readers; 4G cellular on Stripe Reader S710; the host phone's own connectivity for Tap to PayN/A (no proprietary hardware)
$24.75/mo rental$25/mo rentalBestFrom $24From $99$65From $89Online only
Platform & trust
InstantNext business dayNext business dayNext business dayNext dayStandard payoutsStandard payouts
InstantNext business dayQuoteStandard payouts1.5%1.5%Standard payouts
No lock-inNo lock-in (60 days notice)No lock-inNo lock-inNo lock-inNo lock-inNo lock-in
None60 days noticeNoneNoneNoneNoneNone
✓✓✕✓✕✕✕
AI
Not statedNot statedNative (unnamed catalogue AI)Native (Zeller AI Assist)Native (Square AI, beta)Native (Radar fraud and risk scoring, Smart Disputes, Smart Retries)Not stated
Not statedNot statedNative MCP (official)NoNative MCP (official)Native MCP (official)Not stated
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”) and quote-only providers are never ranked as the cheapest while a complete-cost option exists. A “+ payroll” tag means payroll is not built in, so you would run it on separate software; those providers are still ranked on cost, and you can hide them with the Payroll included filter.
  • 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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