18 products compared
Ordered by one published number: what each provider charges a small business on an in-person sale of A$30, taken from its own pricing page in October 2026, lowest first. A percentage and a fixed amount per transaction are both counted. Where two charge the same, the one with the lower standing monthly fee comes first, then the name decides. Otherwise hardware, rental and plan fees are listed in each entry but don't change the order, and providers that publish no rate come last. The order is worked out from the published fees, not chosen, so no provider can pay for a position; it isn't a customer-review score or a hands-on test. Rates are compared as published, and only some providers say whether GST is included. Confirm current terms with the provider.
1. Payment system
Australian payment app from Pyng Payments Pty Ltd (North Sydney) that moves money straight from the customer's bank account to the business's over the New Payments Platform (NPP). The customer scans the business's Pyng QR code or taps a Pyng terminal, and no card network is involved.
Cafés, restaurants, shops, barbers and other small businesses that want to stop paying card fees now card surcharges have ended, with money in the bank in seconds and customer rewards built in.
Transaction fee: A$0 per transaction on every plan. Basic is A$0 a month; Premium is A$29 a month per site, with Premium fees waived until 2027. No setup fee. Source
Consider: Customers need the Pyng app, so it doesn't take card payments; Pyng describes itself as a primary or complementary payment method, and its own comparison suggests running it next to a card terminal for customers who want to pay by card. The FAQ says there is no minimum term, while the merchant terms allow one if it is stated in the application form. Merchants need an ABN and an Australian bank account.
Official website · Plans and pricing · How Pyng works for merchants · Merchant terms · About Pyng · Pyng on the App Store · Pyng on Google Play · Pyng's RBA submission
Source snapshot checked October 2026.
View profile →2. Payment system
Australian QR wallet app built on PayID and PayTo that advertises A$0 merchant transaction fees, with a monthly subscription after a free period. Customers pay from a QwikPay wallet.
Small businesses happy to ask customers to pay through an app wallet, who want no per-transaction fee and can carry a flat monthly fee after the free period.
Transaction fee: A$0 per transaction. Free for the first period (six months on its merchant page), then from A$19.99 a month depending on business category. No setup fee and no contract. Source
Consider: Customers need the QwikPay app and a funded QwikPay wallet, and it doesn't take cards. After the free period (six months on its merchant page) pricing starts at A$19.99 a month depending on business category. The pages checked don't show the company's legal name, ABN or financial services licence, so confirm who you are contracting with.
QwikPay for merchants · QwikPay home · QwikPay about us · QwikPay merchant apply · QwikPay terms
Source snapshot checked October 2026.
Visit official website →3. Payment system
Westpac's rented EFTPOS Now, Connect and Flex terminals on one flat rate for eftpos, Mastercard, Visa and UnionPay cards, plus a monthly terminal fee, with settlement into a Westpac account.
Businesses with steady card volume that bank with Westpac and want the lowest published card rate, where the monthly terminal fee is easily covered.
Visit official website →4. Payment system
ANZ's merchant payments joint venture with Worldline: EFTPOS terminals on quoted pricing, and a Tap on Mobile phone app with a published single rate for domestic cards.
Businesses that want to take card taps on their own iPhone or Android phone without buying a terminal, especially those banking with ANZ.
Visit official website →5. Payment system
Commonwealth Bank's Smart EFTPOS terminals and low-cost Smart Mini reader, on a 0.99% flat standard rate that includes American Express, with same-day settlement into a CommBank business account.
CommBank business customers who want one flat card rate including Amex; the Smart Mini suits low-volume businesses that don't want a monthly rental.
Transaction fee: 0.99% flat rate (including American Express) on Smart, Smart Integrated and Smart Mini for eligible customers. Smart terminals A$29.50 a month to rent; the Smart Mini reader is A$59 outright with no rental. Source
Consider: Smart terminals are rented at A$29.50 a month; the Smart Mini reader is bought outright for A$59 with no rental. The 0.99% rate is for eligible customers, and same-day settlement needs a CommBank Business Transaction Account.
CommBank EFTPOS terminals · CommBank Smart Mini · CommBank Smart · CommBank Essential Plus · CommBank RBA card surcharge reforms
Source snapshot checked October 2026.
Visit official website →6. Payment system
NAB's rented standalone and integrated EFTPOS terminals on a 1.05% Simple Pricing flat rate, plus NAB Easy Tap, an Android tap-to-pay app at 1.30% per tap with no hardware.
NAB business customers who want a flat rate with same-day settlement, or a no-hardware Android option for occasional payments.
Transaction fee: 1.05% Simple Pricing flat rate on Visa, Mastercard, eftpos and UnionPay, plus A$25 a month terminal rental; no setup fee. NAB Easy Tap: 1.30% per tap with no rental. Source
Consider: Terminals are rented at A$25 a month; NAB Easy Tap has no rental but charges 1.30% and needs Android 14 or later. NAB doesn't say whether the rate includes GST or covers American Express. Same-day settlement needs a NAB Business Everyday Account.
NAB EFTPOS machines · NAB Easy Tap · NAB RBA surcharging changes · NAB payments and merchants hub
Source snapshot checked October 2026.
Visit official website →7. Payment system
A PayPal Business account can show a QR code that customers scan to pay in person from their PayPal account, at a lower published rate than PayPal's standard commercial rate.
Market stalls and small sellers whose customers already use PayPal and who want no hardware and no monthly fee.
Transaction fee: 1.20% per domestic QR code transaction; no monthly or setup fees. Source
Consider: Customers need a PayPal account, so it isn't a replacement for a card terminal. Money lands in the business's PayPal account rather than its bank, and PayPal doesn't state the withdrawal time on the pages checked. International payments cost 1% more.
PayPal AU business fees · PayPal AU QR codes for business · PayPal AU help: QR code payments
Source snapshot checked October 2026.
Visit official website →8. Payment system
Australian-founded EFTPOS provider and licensed bank offering rented Pro Series terminals and a phone tap-to-pay app at one GST-inclusive rate, with 580+ point-of-sale integrations.
Hospitality and retail businesses that want terminals integrated with their point-of-sale system and same-day settlement seven days a week.
Visit official website →9. Payment system
Low-cost card readers bought outright, with no monthly fees and a flat per-transaction rate, plus Tap to Pay on iPhone and payment links.
Low-volume and mobile businesses, such as market stalls and tradies, that want a cheap reader and no monthly fee.
Transaction fee: 1.40% per card reader transaction; no monthly fee. Tap to Pay on iPhone and payment links 2.10%. Readers from A$49 including GST. Source
Consider: Readers are bought outright (from A$49 including GST). Tap to Pay on iPhone and payment links cost 2.10%. Payouts take one to three business days. Its Australian pricing FAQ still described a surcharging feature when checked in October 2026, after card surcharging ended.
SumUp AU pricing · SumUp AU shop · SumUp AU Tap to Pay on iPhone · SumUp AU legal information · SumUp AU home
Source snapshot checked October 2026.
Visit official website →10. Payment system
Melbourne-based provider of EFTPOS terminals, Tap to Pay, a point-of-sale app and free business accounts, with one flat GST-inclusive rate for all in-person cards and no monthly terminal rental.
Small businesses that want a terminal they own, one flat rate for every card including Amex, and no monthly fees.
Transaction fee: 1.4% including GST for all in-person cards, including American Express; 1.2% through Zeller POS. No monthly fees or terminal rental; terminal A$99 including GST. Source
Consider: The terminal is bought (A$99 including GST, shown as reduced from A$199). Integrated Zeller POS payments are 1.2%. Settlement is nightly into a free Zeller Account, or the next business day to another bank.
Zeller pricing · Zeller about · Zeller EFTPOS terminals · Zeller blog: RBA surcharging changes
Source snapshot checked October 2026.
View profile →11. Payment system
Cloud point-of-sale system for retailers and hospitality venues with integrated card payments; the retail plans publish a 1.5% card-present rate.
Retailers who want inventory, eCommerce and card payments in one point-of-sale subscription.
Transaction fee: 1.5% card-present rate on Lightspeed Retail plans (Basic A$129, Core A$229 or Plus A$329 a month). Restaurant rates are tailored. Source
Consider: Payments come with a paid Lightspeed plan: retail plans are A$129 to A$329 a month. Restaurant card rates are tailored and not published. Payouts typically arrive within two business days, with instant payouts for eligible merchants.
Lightspeed AU retail pricing · Lightspeed AU restaurant pricing · Lightspeed AU restaurant payments
Source snapshot checked October 2026.
Visit official website →12. Payment system
Card payments and free point-of-sale software with one flat in-person rate for every card brand, no monthly fee on the Free plan, and optional paid software plans and hardware.
New and small businesses that want free point-of-sale software, cheap hardware and next-day transfers with no monthly commitment.
Visit official website →13. Payment system
Australian-owned app that turns an iPhone or Android phone into a card terminal with Tap to Pay, plus QR codes, payment links and PayID, at one flat rate with no monthly fees.
Sole traders and mobile businesses that want to take cards on their phone with no hardware and no monthly fee.
Transaction fee: 1.80% per transaction for all payments; no monthly fees or sign-up costs. Source
Consider: Pebl doesn't state its settlement time, its card-type breakdown or whether the rate includes GST on the page checked, and its plan list still offered automatic surcharging in October 2026, after card surcharging ended.
Pebl home/pricing
Source snapshot checked October 2026.
Visit official website →14. Payment system
Shopify's point-of-sale app and card readers, which let online sellers take in-person payments through Shopify Payments, with card rates that fall on higher subscription plans.
Shops already selling online with Shopify that want in-store sales and stock in the same system.
Visit official website →15. Payment system
Stripe's in-person product: card readers and Tap to Pay on phones, usually connected through a custom-built or third-party point-of-sale system, priced at a percentage plus a fixed fee.
Businesses with a developer or a Stripe-connected point-of-sale system that want online and in-person payments in one account.
Transaction fee: 1.65% + A$0.10 per domestic card transaction on its pricing page (its Terminal page shows 1.7% + A$0.10); international cards 3.5% + A$0.10; Tap to Pay adds A$0.15. Readers from A$89. Source
Consider: Usually needs a developer integration or a compatible point-of-sale system rather than working out of the box. Tap to Pay adds A$0.15 per authorisation. Stripe's Terminal page shows 1.7% + A$0.10, while its pricing page shows 1.65% + A$0.10. Payouts default to two business days.
Stripe AU pricing · Stripe AU Terminal · Stripe docs: payouts · Stripe support: service provider in Australia
Source snapshot checked October 2026.
Visit official website →16. Payment system
The former Smartpay, now owned by Shift4, offering portable 4G EFTPOS terminals on one tailored flat rate for all standard cards, with a monthly minimum of A$100 + GST.
Businesses with enough card volume to clear the monthly minimum that want one flat rate across standard cards and next-day settlement to any bank.
Transaction fee: Quote-based: one flat percentage across standard cards, set for each business; A$100 + GST monthly minimum; no setup fee. Source
Consider: The flat rate is calculated for each business and not published. A minimum monthly fee of A$100 + GST applies (the shortfall is billed when card fees fall below it), and American Express isn't in the flat rate.
Shift4 AU Low Cost EFTPOS · Shift4 AU home · Shift4 AU about
Source snapshot checked October 2026.
Visit official website →17. Payment system
Australian payments app on the eftpos network where customers pay a business's @username or QR code and the money lands instantly; business transaction fees are agreed by partnership and not published.
Businesses whose customers already use Beem and that want instant settlement with no terminal.
Transaction fee: Quote-based: no setup or terminal fees, and transaction fees agreed by partnership rather than published. Source
Consider: Beem for Business fees aren't published; it describes them as affordable and asks businesses to talk to it about a partnership. Personal Beem accounts are free but limited to receiving A$10,000 in a rolling 30 days. Customers need the Beem app.
Beem for Business · Beem about · Beem terms and FAQ (limits) · Beem home
Source snapshot checked October 2026.
Visit official website →18. Payment system
New Zealand-founded payments company supplying integrated and standalone payment terminals, unattended terminals and online payments, with Australian merchant services; pricing isn't published.
Larger or multi-site businesses that need terminals integrated with point-of-sale, property or unattended systems.
Transaction fee: Quote-based: no prices published. Source
Consider: Pricing, settlement timing and contract terms aren't published; they're quoted by its sales team. It is aimed more at integrated and unattended use than at very small businesses.
Windcave in-store payments · Windcave about · Windcave contact
Source snapshot checked October 2026.
Visit official website →