Pin Payments
- In-person rate
- Online only
- Online rate
- 1.6% + 30c
- Monthly fee
- Free
- Hardware cost
- Online only
- Contract length
- No lock-in
- Settlement time
- Standard payouts
- Est. monthly cost
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Pin Payments
Pin Payments is a Melbourne-built online card processor for developers, SaaS and subscription businesses, charging one flat GST-inclusive rate with free refunds, no monthly fee and no lock-in contract.
Best for
SaaS, subscription, and developer-led businesses needing transparent flat-rate online processing.
- In-person rate
- Online only
- Online rate
- 1.6% + 30c
- Monthly fee
- Free
- Contract
- No lock-in
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
- Hardware 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
How Pin Payments compares
All prices in AUDPrices checked
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.
Square
$267/mo est.
- In-person rate
- 1.6%
- Online rate
- 2.2%
- Monthly fee
- Free
- Hardware cost
- $65
- Contract length
- No lock-in
- Settlement time
- Next day
- Est. monthly cost
- $267/mo
Zeller
$248.25/mo est.
- In-person rate
- 1.4%
- Online rate
- 1.75% + 25c
- Monthly fee
- Free
- Hardware cost
- From $99
- Contract length
- No lock-in
- Settlement time
- Next business day
- Est. monthly cost
- $248.25/mo
Stripe
$295.50/mo est.
- In-person rate
- 1.65% + $0.10
- Online rate
- 1.65% + $0.30
- Monthly fee
- Free
- Hardware cost
- From $89
- Contract length
- No lock-in
- Settlement time
- Standard payouts
- Est. monthly cost
- $295.50/mo
Common questions about Pin Payments for payment providers
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. 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.
Strengths and trade-offs
Pros
- One flat rate, 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
- A fixed fee on every payment adds up on small transactions
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
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.
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