Fat Zebra
- In-person rate
- Custom quote
- Online rate
- Custom quote
- Monthly fee
- Custom quote
- Terminal cost
- Quoted
- Contract length
- Varies
- Settlement time
- Standard payouts
- Est. monthly cost
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Fat Zebra
Australian-built payment gateway and platform for fintechs and growing online businesses.
- In-person rate
- Custom quote
- Online rate
- Custom quote
- Monthly fee
- Custom quote
- Contract
- Varies
Best for
Fintechs and growing online businesses needing developer-first payment APIs with local support.
Pricing breakdown
Every fee we track, grouped by where it applies.
In-person payments
EFTPOS terminal and tap-to-pay transactions.
- Transaction rate
- Custom quote
- Monthly fee
- Custom quote
- Terminal cost
- Quoted
- Setup fee
- Custom quote
Online payments
Online checkout and keyed-in card transactions.
- Transaction rate
- Custom quote
- Monthly fee
- Custom quote
- Setup fee
- Custom quote
Other fees
- Chargeback fee
- Custom quote
- AMEX rate
- Custom quote
- International card surcharge
- Custom quote
- Early termination fee
- Varies
- Instant payout fee
- Quote
- Refund fee
- Free
- PCI compliance fee
- Custom quote
PCI compliance support included for most merchants.
Contract terms
- Contract length
- Varies
- Settlement time
- Standard payouts
- Least-cost routing
- Yes
- Recurring billing
- Yes
Last verified 14 May 2026.
Accepted payment methods
Cards, wallets, and other methods supported by Fat Zebra for Australian merchants.
Cards
- Visa
- Mastercard
- AMEX
- JCB
- Diners Club
Digital wallets
- Apple Pay
- Google Pay
Buy now, pay later
- Afterpay
- Zip
Other
- Alipay
- WeChat Pay
Strengths and trade-offs
Pros
- Australian-built and ISO 27001 certified
- Developer-first APIs
- Local support team
- Strong fintech and embedded payments focus
Cons
- No public pricing, quote only
- Less suited to micro merchants
About Fat Zebra
Fat Zebra is a Sydney-built payment gateway and platform serving Australian and New Zealand businesses. Strong focus on fintech and embedded payments. Pricing is custom-quoted.
Fat Zebra was founded in 2011 and is headquartered in Sydney, Australia.
How Fat Zebra compares
Side-by-side with the closest alternatives by estimated monthly cost.
Zeller
$633/mo est.
- In-person rate
- 1.4%
- Online rate
- 1.7% + $0.25
- Monthly fee
- Free
- Terminal cost
- From $99
- Contract length
- No lock-in
- Settlement time
- Next business day
- Est. monthly cost
- $633/mo
Stripe
$723/mo est.
- In-person rate
- 1.7% + $0.30
- Online rate
- 1.7% + $0.30
- Monthly fee
- Free
- Terminal cost
- Hardware quoted
- Contract length
- No lock-in
- Settlement time
- Standard payouts
- Est. monthly cost
- $723/mo
Square
$757/mo est.
- In-person rate
- 1.6%
- Online rate
- 2.2%
- Monthly fee
- Free
- Terminal cost
- $65
- Contract length
- No lock-in
- Settlement time
- Next day
- Est. monthly cost
- $757/mo
Common questions about Fat Zebra
The same questions Australian merchants ask before signing up.
Fat Zebra does not publish a standard rate in Australia. Pricing is quoted based on your business size, industry, and card mix. Request a quote on their site, or use our free fee calculator to compare against providers that do publish rates.
Fat Zebra contract terms in Australia: Varies. Check the fine print for any early termination fees before signing.
Fat Zebra settles funds on a standard payouts schedule for Australian merchants. Settlement timing can be a deciding factor for cash flow, see how it compares on our payment-providers comparison page.
Fat Zebra AMEX pricing in Australia is not publicly listed. Ask their sales team whether AMEX acceptance and rates are included.
Yes. Fat Zebra offers least-cost routing in Australia, which can lower the cost of contactless debit transactions by routing them through the cheaper EFTPOS network. This is a real saving for busy retail and hospitality merchants.
Fat Zebra is best suited to fintechs and growing online businesses needing developer-first payment apis with local support. To see how it stacks up for your specific volume and card mix, try our free fee calculator.
We may earn a commission when you click through to Fat Zebra and sign up, where a commercial arrangement is in place. This never affects ranking, the data we publish, or the comparisons we make on this page. Read our terms for the full picture.
Compare Fat Zebra
Compare Fat Zebra against every other Australian provider on price, contract terms, and features.