RBA Confirmed: 72 days until card surcharges are banned. Check you're on the right rate →
The RBA surcharge ban is now in effect. Check you're on the right rate →
We compare 20+ payment providers to find you a lower merchant rate. Free, independent, and we cover any switching costs.
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Indicative rates across major Australian providers. Your rate depends on industry and volume.
| Provider | Indicative rate | Setup fee | Contract term | Best for |
|---|---|---|---|---|
| MerchantRates PartnerBest rate | From 0.89% | None | Month to month | All industries |
| Major Bank TerminalCommon | 1.40 – 1.80% | $250 – $495 | 24 – 36 months | Large retail |
| Square | 1.60 – 1.90% | None | None | Low volume |
| Tyro | 1.40 – 1.75% | $99 – $299 | 12 months | Hospitality |
| Zeller | 1.40 – 1.70% | None | None | SMB retail |
| Commonwealth Bank | 1.50 – 2.20% | $295 – $595 | 24 months | Existing CBA clients |
Rates are indicative and subject to change. Your actual rate depends on industry, card mix and transaction volume. Get a personalised comparison below.
We're not a bank, not a terminal provider, and not paid by any one network. Our only job is getting you a better rate.
Payment needs vary by industry. We specialise in matching the right rate to your business type — explore the guide for yours.
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Supported by Australian Merchant Payment Advisory (AMPA), helping Australian businesses navigate the 2026 RBA surcharge changes.
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