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
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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
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
- 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
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 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 Pin Payments
The same questions Australian merchants ask before signing up.
Pin Payments charges 1.6% + 30c for cards issued by Australian banks used for AUD transactions. This rate is GST-inclusive, which means no additional tax is added on top.
No. Pin Payments carries no monthly account fee (Free). You only pay when you process a transaction.
Pin Payments is an online-only payment gateway and does not provide in-person EFTPOS hardware. It is designed for card-not-present transactions processed via API, payment pages, or e-commerce platform integrations.
Yes. Pin Payments supports subscription and recurring billing through its API, making it a good fit for SaaS businesses and membership platforms that need to charge customers on a regular cycle.
Pin Payments charges 1.6% + 30c for American Express cards, the same flat rate as Visa and Mastercard domestic cards. This blended AMEX rate is a practical benefit for merchants who accept a mix of card types.
Yes. Pin Payments offers a discounted transaction rate for registered not-for-profit organisations. Contact their team with evidence of your NFP status to apply.
Pin Payments is best suited to SaaS companies, subscription businesses, developers, and online retailers that want transparent Australian-built flat-rate payment processing with no monthly fee and no lock-in. Its GST-inclusive pricing and NFP discount are distinctive advantages.
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Compare Pin Payments
Compare Pin Payments against every other Australian provider on price, contract terms, and features.