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Live Payments

Live Payments is an Australian-owned payments acquirer offering EFTPOS terminals, a tap-on-phone app and online payments, with plans that let a business earn Qantas Business Rewards points on its card turnover.

Best for

Australian businesses taking most card payments in store that want to earn Qantas Points on their card turnover, or one flat rate without points, with no lock-in contract.

Rented EFTPOS terminals, a tap-on-phone app and online payments, on plans with one rate for all card types that trade a higher rate for more Qantas Points.

In-person rate
1.10%
Online rate
1.10% + 30c
Monthly fee
$39/mo per terminal
Contract
No lock-in
Visit Live Payments

Pricing breakdown

Every fee we track, grouped by where it applies.

In-person payments

EFTPOS terminal and tap-to-pay transactions.

Transaction rate
1.10%

Rate on the plan that earns no Qantas Points. Plans that earn Qantas Points charge a higher rate, rising with the points earned.

Monthly fee
$39/mo per terminal

Terminal rental, per terminal. Not charged on the LiveTap phone app.

Hardware cost
$39/mo rental
Setup fee
$79 for integrated terminals

Online payments

Online checkout and keyed-in card transactions.

Transaction rate
1.10% + 30c

Rate on the plan that earns no Qantas Points. Invoicing and payment links each add a monthly account usage fee.

Monthly fee
$39/mo per terminal

Terminal rental, per terminal. Not charged on the LiveTap phone app.

Setup fee
$79 for integrated terminals

Other fees

Chargeback fee
Not stated
AMEX rate
Same as plan rate

One rate covers all card types on each plan.

International card surcharge
Not stated
Early termination fee
None
Instant payout fee
Not stated
Refund fee
Not stated
PCI compliance fee
Not stated

Contract terms

Contract length
No lock-in
Settlement time
Not stated
Least-cost routing
Not stated
Recurring billing
Not stated

Every Live Payments plan

Each plan at the rates the provider publishes, with one rate for all card types.

Double Black

In-store rate
3.90%
Online rate
3.90% + $0.30
Qantas Points (Visa, Mastercard, eftpos)
2 per $1
Qantas Points (Amex and others)
1 per $1

Black

In-store rate
2.59%
Online rate
2.59% + $0.30
Qantas Points (Visa, Mastercard, eftpos)
1 per $1
Qantas Points (Amex and others)
1 per $2

Gold

In-store rate
1.99%
Online rate
1.99% + $0.30
Qantas Points (Visa, Mastercard, eftpos)
1 per $2
Qantas Points (Amex and others)
1 per $4

Silver

In-store rate
1.75%
Online rate
1.75% + $0.30
Qantas Points (Visa, Mastercard, eftpos)
1 per $3
Qantas Points (Amex and others)
1 per $6

Bronze

In-store rate
1.50%
Online rate
1.50% + $0.30
Qantas Points (Visa, Mastercard, eftpos)
1 per $5
Qantas Points (Amex and others)
1 per $10

Blue

In-store rate
1.35%
Online rate
1.35% + $0.30
Qantas Points (Visa, Mastercard, eftpos)
1 per $10
Qantas Points (Amex and others)
1 per $20

Green

In-store rate
1.20%
Online rate
1.20% + $0.30
Qantas Points (Visa, Mastercard, eftpos)
1 per $25
Qantas Points (Amex and others)
1 per $25

White

In-store rate
1.10%
Online rate
1.10% + $0.30
Qantas Points (Visa, Mastercard, eftpos)
None
Qantas Points (Amex and others)
None

Earning Qantas Points needs Qantas Business Rewards membership. The second points column covers American Express, Discover, WeChat Pay and Alipay+. Points are not counted in our cost estimate, which uses the plan with the lowest rate.

How Live Payments compares

All prices in AUDSourced from provider's published pricing
Compare all payment providers

Side-by-side with the closest alternatives by estimated cost.

Based on $15,000/mo card volume at a $50 average transaction, 70% in person and 30% online.

Common questions about Live Payments for payment providers

The same questions Australian merchants ask before signing up.

  • Live Payments charges one rate for all card types, set by the plan you choose. On the plan that earns no Qantas Points, in-store payments cost 1.10% and online payments cost 1.10% + 30c. Plans that earn Qantas Points charge a higher rate, and the rate rises with the points earned per dollar.

  • In-store plans include a terminal rental of $39/mo per terminal. The setup fee is $79 for integrated terminals, with none stated for a standalone terminal. The LiveTap app, which takes contactless payments on a phone, has no monthly fee. Online invoicing and payment links each carry a monthly account usage fee.

  • A business that is a Qantas Business Rewards member can earn Qantas Points on its card turnover. Each plan has its own earn rate, and the plans that earn more points per dollar charge a higher processing rate, so the points come at a cost. American Express and some other card types earn at half the rate on most plans. Our cost estimate uses the plan with no points and never counts the value of points.

  • No. Live Payments states that its plans have no lock-in contracts, and it publishes no early termination fee.

Strengths and trade-offs

Pros

  • No lock-in contract
  • Earn Qantas Points on card turnover on most plans
  • One rate for all card types on each plan, Amex included
  • LiveTap app has no upfront cost or monthly fee
  • Integrates with a wide range of POS systems

Cons

  • Monthly terminal rental on every in-store plan
  • Plans that earn more points charge a higher rate
  • Online payments add a fixed fee to every transaction
  • Sign-up starts with an enquiry rather than online

Accepted payment methods

Cards, wallets, and other methods supported by Live Payments for Australian merchants.

Cards

  • Visa
  • Mastercard
  • EFTPOS
  • AMEX
  • Discover

Other

  • Alipay
  • WeChat Pay

About Live Payments

Live Payments is an Australian-owned payments acquirer that began as a taxi payments provider and now serves businesses across many industries. It offers standalone, integrated and countertop EFTPOS terminals, LiveTap for taking contactless payments on a phone, and online payments through a virtual terminal, eCommerce plugins, invoicing and payment links. Pricing is a ladder of plans with one rate for all card types: plans with a higher rate earn more Qantas Points per dollar, and one plan earns no points at the lowest rate. In-store plans add a monthly terminal rental and online payments add a fixed fee per transaction.

Live Payments was founded in 2006 and is headquartered in Australia.

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