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
All prices in AUDLast verified 11 June 2026Every fee we track, grouped by where it applies.
In-person payments
EFTPOS terminal and tap-to-pay transactions.
- Transaction rate
- Monthly fee
- Terminal cost
- Quoted
- Setup fee
Online payments
Online checkout and keyed-in card transactions.
- Transaction rate
- Monthly fee
- Setup fee
Other fees
- Chargeback fee
- AMEX rate
- International card surcharge
- Early termination fee
- Varies
- Instant payout fee
- Quote
- Refund fee
- Free
- PCI compliance fee
PCI compliance support included for most merchants.
Contract terms
- Contract length
- Varies
- Settlement time
- Standard payouts
- Least-cost routing
- Yes
- Recurring billing
- Yes
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 cost.
Assumes $15,000/mo volume, $50 average transaction, 70% in-person and 30% online.
Westpac
$214/mo est.
- In-person rate
- 1.2%
- Online rate
- 1.4%
- Monthly fee
- $24.75/mo
- Terminal cost
- $24.75/mo rental
- Contract length
- No lock-in
- Settlement time
- Instant
- Est. monthly cost
- $214/mo
Bendigo Bank
$229/mo est.
- In-person rate
- 1.4%
- Online rate
- 1.4%
- Monthly fee
- From $19/mo
- Terminal cost
- From $19/mo rental
- Contract length
- No lock-in
- Settlement time
- Next business day
- Est. monthly cost
- $229/mo
NAB
$231/mo est.
- In-person rate
- 1.15%
- Online rate
- 1.4% + $0.25
- Monthly fee
- $25/mo
- Terminal cost
- $25/mo rental
- Contract length
- No lock-in (60 days notice)
- Settlement time
- Next business day
- Est. monthly cost
- $231/mo
Common questions about Fat Zebra
The same questions Australian merchants ask before signing up.
Fat Zebra does not publish standard public rates. Pricing is quoted based on your business type, processing volume, and integration requirements. Request a quote directly through their sales team.
Yes. Fat Zebra was founded in Australia in 2012 and is ISO 27001 certified. Its infrastructure is purpose-built locally, and it has a local support team. This is a meaningful differentiator for businesses that require Australian data residency or local support.
Yes. Fat Zebra supports least-cost routing for eligible Australian debit transactions, enabling merchants to route contactless debit payments through the eftpos network when it is cheaper than Visa or Mastercard.
Fat Zebra acquired SecurePay in 2025, adding thousands of active Australian merchants to its platform. Pin Payments was also acquired (by Checkout.com in 2024). Both SecurePay and Fat Zebra now operate under the same ownership group, with SecurePay's merchants migrating to the Fat Zebra platform over time.
Fat Zebra does not impose lock-in contracts on standard accounts. Terms are confirmed at the quote stage for enterprise or embedded finance customers, whose arrangements may differ.
Fat Zebra is best suited to fintechs, platforms, and growing online businesses that need developer-first payment APIs with local Australian support and ISO 27001-certified infrastructure. It processes over 250 million transactions annually across more than 30,000 Australian merchants.
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Compare Fat Zebra
Compare Fat Zebra against every other Australian provider on price, contract terms, and features.