Adyen
Enterprise payments platform on an interchange++ pricing model. No monthly or setup fees.
Best for
Enterprise and high-volume businesses processing multiple currencies and channels
49 providers
All Business Service Providers in Australia
Browse every provider we track across payment providers, POS systems, on-demand pay, and marketplace payments. Filter by category, then open any provider for the full breakdown of fees, features, and our independent review.
49 providers
Airwallex
Melbourne-founded global payments platform with multi-currency collection and settlement for cross-border marketplaces and platforms.
Best for
Cross-border marketplaces needing multi-currency settlement and global payouts
ANZ
Big Four bank merchant services with same-day settlement to ANZ business accounts.
Best for
ANZ business customers wanting integrated banking and merchant services
Beforepay
ASX-listed consumer-direct app offering up to $2,000 with a flat 5% fee and no interest.
Best for
Best for employees wanting no-interest pay advances
Bendigo Bank
Community-focused Australian bank offering EFTPOS terminals to business customers.
Best for
Bendigo Bank business customers wanting integrated banking and EFTPOS from a community-focused bank
Bepoz
Australian-built enterprise POS for high-volume hospitality and retail, quote-only.
Best for
High-volume venues and multi-site hospitality or retail
Checkout.com
Global enterprise payments platform with a choice of flat-rate or interchange++ pricing.
Best for
Enterprise and high-volume online businesses processing in multiple currencies and regions
Clover
Fiserv-owned POS and payments brand sold through Australian acquiring partners.
Best for
Hospitality and retail venues looking for an all-in-one POS terminal with established hardware
CommBank AdvancePay
Bank pay advance for CommBank customers, $5 per $500 with no upfront interest.
Best for
Best for existing CommBank customers
CommBank Smart
CommBank merchant services with same-day settlement to a CommBank account.
Best for
Established CommBank business customers wanting integrated banking + payments
Earnd
Employer-sponsored earned wage access with a small flat fee that employers can subsidise.
Best for
Best for employers wanting to offer EWA as a subsidised benefit
Employment Hero EWA
Earned wage access built into the Employment Hero platform, 1.3% to 1.5% per withdrawal.
Best for
Best for businesses already using Employment Hero for HR/payroll
Epos Now
UK-built POS with AU presence, software around $78/mo and hardware bundles from about $499.
Best for
Small retail and hospitality wanting low-cost hardware
Eway
Australian online-payments specialist with flat 1.5% + 25c gateway pricing.
Best for
Australian online retailers wanting flat-rate gateway pricing and a merchant account in one product
Fat Zebra
Australian-built payment gateway and platform for fintechs and growing online businesses.
Best for
Fintechs and growing online businesses needing developer-first payment APIs with local support
Fedelta POS
Australian enterprise POS with proprietary hardware and Fedelta Pay, quote-only.
Best for
Established hospitality and retail venues wanting an all-in-one platform
HashMicro
ERP-integrated POS from a Singapore vendor with a Sydney office, quote-only.
Best for
Complex multi-location businesses wanting POS plus ERP
Hike POS
Australian-founded retail POS with strong Xero integration, BYO device, no lock-in (USD pricing).
Best for
Retailers wanting a flexible, Xero-friendly POS
Idealpos
Australian POS specialist for pubs, clubs, and hotels with gaming and membership integration, quote-only.
Best for
Pubs, clubs, and hotels with gaming and membership needs
Impos
Australian hospitality POS with delivery integrations and 24/7 phone support, from about $85/mo plus hardware.
Best for
Australian cafes and restaurants using delivery platforms
Lightspeed Restaurant
Cloud hospitality POS (formerly Kounta) from $40/mo, with table management and delivery integrations.
Best for
Cafes, restaurants, and bars needing table service tools
Lightspeed Retail
Retail POS (formerly Vend) from $129/mo with strong inventory and 1.5% in-person processing.
Best for
Retailers with serious inventory and multi-store needs
Loyverse
Free POS app for small retail and hospitality, with paid add-ons for inventory and staff.
Best for
Micro and small businesses wanting a free POS app
Mangopay
European marketplace payments specialist with a wallet-based model, native split payments, KYC and escrow.
Best for
Platforms with European sellers needing EU-compliant wallet-based payments
MyPayNow
Consumer-direct pay advance app for weekly and fortnightly earners, up to $2,000.
Best for
Best for employees on weekly or fortnightly pay
NAB
NAB merchant services including Easy Tap mobile and Smart terminals.
Best for
NAB business customers and businesses needing mobile-only acceptance
PayActiv
Global employer-sponsored EWA provider, free for employers, with a variable employee fee.
Best for
Best for large employers wanting a zero-cost EWA benefit
PayPal
Global online payments brand with strong consumer recognition and built-in BNPL.
Best for
Online stores that need a recognisable consumer-facing checkout brand alongside other payment methods
Paytime
Australian employer-sponsored EWA with a flat ATM-style fee and Xero/MYOB integration.
Best for
Best for employers wanting payroll-integrated EWA with Xero/MYOB
Pin Payments
Melbourne-built developer-friendly online card processing at 1.6% + 30c.
Best for
SaaS, subscription, and developer-led businesses needing transparent flat-rate online processing
POSApt
Australian-built POS for hospitality and retail, free plan plus 1.6% or a flat monthly fee.
Best for
Australian cafes, restaurants, and shops wanting local support
SecurePay
Australian online payment gateway now operating under the Fat Zebra group.
Best for
Australian online businesses looking for an Australia-built gateway with local support
Shopify POS
Omnichannel retail POS that syncs in-store and online sales, from $56/mo plus 1.75% in person.
Best for
Omnichannel retailers selling in-store and online
Smartpay (Shift4)
Surcharging-first EFTPOS with no-bill Low Cost EFTPOS Pass option.
Best for
Businesses comfortable surcharging customers to eliminate merchant fees
Square
Pay-as-you-go EFTPOS and online payments with no monthly fees or contracts.
Best for
Small retail, hospitality, and pop-up businesses
Stripe
Industry-standard online payments and developer-friendly APIs.
Best for
Online businesses, marketplaces, and SaaS companies
SumUp
Low-cost pay-as-you-go card readers popular with tradies and pop-up retail.
Best for
Tradies, mobile sellers, and pop-up retail wanting a low-cost entry into card acceptance
SwiftPOS
Australian enterprise POS for large venues, stadiums, and clubs with industry-leading offline mode, quote-only.
Best for
Stadiums, large clubs, and multi-venue operators
Till Payments
Unified omnichannel payments platform, now part of Nuvei, focused on enterprise.
Best for
Mid-market and enterprise businesses needing omnichannel payments and dedicated account management
Toast POS
US hospitality POS expanding into Australia; AU pricing is quote-only.
Best for
Restaurants wanting a dedicated hospitality platform
Tower Systems
Australian specialty-retail POS from $220/mo (inc GST), no per-transaction fees, no lock-in.
Best for
Specialty retailers (newsagents, pet, bike, jewellery)
Tyro
Australian-owned EFTPOS specialist with deep POS integrations.
Best for
Mid-sized hospitality and retail venues with existing POS systems
Wagepay
Consumer-direct app with the highest advance limit in Australia at $3,000.
Best for
Best for employees needing the highest advance limit ($3,000)
Wagestream (Humanforce Stream)
Employer-sponsored EWA integrated with Humanforce workforce management, free for employers.
Best for
Best for employers using Humanforce workforce management
Wagetap
Consumer-direct pay advance app offering up to $2,000 with a bill-splitting feature and no employer sign-up.
Best for
Best for employees wanting quick pay advances with bill splitting
Westpac
Westpac merchant services including EFTPOS Air for soft-POS payments.
Best for
Westpac business customers and tradies needing phone-based acceptance
Windcave
Auckland-built omnichannel payment gateway operating across AU, NZ, UK, and US.
Best for
Cross-Tasman businesses and mid-market merchants needing one gateway across multiple regions
Zai
Australian-native, API-first payments platform built for marketplaces and platforms needing split payments and local payment rails.
Best for
Australian marketplaces needing real-time payouts via NPP and local payment rails
Zeller
All-in-one Australian financial services with low flat-rate EFTPOS pricing.
Best for
Hospitality and retail businesses wanting a single Australian provider for banking + payments
We may earn a commission when you click through to a provider. This never affects ranking or data shown. Read our terms.