Pin Payments
- In-person rate
- Online only
- Online rate
- 1.6% + 30c
- Monthly fee
- Free
- Terminal cost
- Online only
- Contract length
- No lock-in
- Settlement time
- Standard payouts
- Est. monthly cost
- —
Pin Payments
Melbourne-built developer-friendly online card processing at 1.6% + 30c.
- In-person rate
- Online only
- Online rate
- 1.6% + 30c
- Monthly fee
- Free
- Contract
- No lock-in
Best for
SaaS, subscription, and developer-led businesses needing transparent flat-rate online processing.
Pricing breakdown
Every fee we track, grouped by where it applies.
In-person payments
EFTPOS terminal and tap-to-pay transactions.
- Transaction rate
- Online only
- Monthly fee
- Free
- Terminal cost
- Online only
- Setup fee
- Free
Online payments
Online checkout and keyed-in card transactions.
- Transaction rate
- 1.6% + 30c
GST inclusive for AU merchants. International cards 3.4% + 30c.
- Monthly fee
- Free
- Setup fee
- Free
Other fees
- Chargeback fee
- $25
Dispute administration fee, only if cardholder wins.
- AMEX rate
- 1.6% + 30c
Same flat rate across all card brands, GST inclusive.
- International card surcharge
- +1.8%
International cards 3.4% + 30c vs domestic 1.6%.
- Early termination fee
- None
No lock-in.
- Instant payout fee
- Standard payouts
No instant payout option advertised.
- Refund fee
- Free
Free refund processing.
- PCI compliance fee
- Free
PCI compliance bundled.
Contract terms
- Contract length
- No lock-in
- Settlement time
- Standard payouts
- Least-cost routing
- No
- Recurring billing
- Yes
Last verified 14 May 2026.
Accepted payment methods
Cards, wallets, and other methods supported by Pin Payments for Australian merchants.
Cards
- Visa
- Mastercard
- AMEX
- JCB
- Diners Club
Digital wallets
- Apple Pay
- Google Pay
Strengths and trade-offs
Pros
- Flat 1.6% + 30c (GST inclusive)
- No monthly fee or lock-in
- Free refund processing
- Discounted rate for registered not-for-profits
Cons
- Online only, no in-person terminals
- Standard rate slightly higher than enterprise plans
About Pin Payments
Pin Payments is a Melbourne-built online card processor with flat-rate pricing inclusive of GST for Australian merchants. Free refunds, no lock-in, and no setup fees. Popular with developers and SaaS businesses.
Pin Payments was founded in 2012 and is headquartered in Melbourne, Australia.
How Pin Payments 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 Pin Payments
The same questions Australian merchants ask before signing up.
Pin Payments charges in-person transactions at Online only and online transactions at 1.6% + 30c for Australian merchants. Compare these rates against other providers on our payment-providers comparison page.
Pin Payments does not require a lock-in contract for Australian merchants. You can switch providers at any time without an exit fee.
Pin Payments 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.
Pin Payments accepts AMEX in Australia at 1.6% + 30c. Some providers price AMEX higher than Visa and Mastercard, so check the comparison before signing on.
Pin Payments does not advertise least-cost routing for Australian merchants. If you take a lot of contactless debit, compare against providers that do support it on our comparison page.
Pin Payments is best suited to saas, subscription, and developer-led businesses needing transparent flat-rate online processing. 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 Pin Payments 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 Pin Payments
Compare Pin Payments against every other Australian provider on price, contract terms, and features.