Compare Payment Providers in Australia

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 monthly 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.