RBA Confirmed: Card surcharges will be banned from 1 October 2026 — check you're on the right rate →
Square, Tyro, Zeller, the major banks — every provider suits a different kind of business. These guides give a fair, independent and clearly indicative view of how the main options compare, so you can shortlist with confidence. We're not affiliated with any provider, and we never trade on trashing one to sell another.
Look past the headline percentage. The things that actually decide your cost are the pricing model (flat-rate versus interchange-plus or negotiated), monthly and terminal fees, settlement timing, contract lock-in, hardware, integrations with your POS or booking software, and whether least-cost routing is supported. The right provider is the one whose structure fits your volume, ticket size and industry — not whoever has the lowest advertised number. All comparisons below are general and indicative; always confirm current pricing directly with each provider.
Get a free, independent comparison across 20+ Australian payment providers. No obligation — and if we can't beat your rate, we'll pay you $100.
Get my free rate comparison