Built for the 1 October 2026 RBA payment reforms

Compare your real cost of card acceptance

Pick your business type, enter your numbers, and see every in-person provider ranked by total monthly cost (ex-GST) at your actual volume — not headline rate. No sign-up, no email gate.

No email or phone gateAUD estimatesInstant ranked result

Comparing real rates from Australia's major providers

Independent, self-serve, and ranked purely on lowest total monthly cost.

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Two things are changing on 1 October. Pick the one that's you.

How it works

No sign-up. Your results appear instantly on screen.

1

Enter your numbers

Your current effective rate and monthly card turnover — both are on your statement.

2

Adjust your card mix

Tune debit / credit / international with simple sliders (defaults to 70 / 27 / 3).

3

See the ranked cost

Providers ranked by total monthly cost at your real volume — not headline rate.

4

Choose your move

Like an option? Request help switching — completely optional, no obligation.

A quick, honest note on the numbers

The 62.5% figure you may have seen applies only to the consumer-credit interchange cap (0.8% → 0.3%) — not to your bill. The realistic effect on a typical merchant's blended rate is roughly 0.1%–0.25% of turnover, concentrated on the credit-card portion. We show indicative figures and always tell you to verify with the provider.

Compayr

Compayr is a self-serve comparison tool for Australian merchants. See your true cost of card acceptance and what you'd save — in about 60 seconds.

No email or phone gate to see your results

Compayr earns a referral fee from providers when a merchant switches. This never changes our ranking, which is based purely on lowest total monthly cost.

Rates are indicative, last verified June 2026 — always verify with the provider. Figures are estimates in AUD shown excluding GST (the true cost to a GST-registered business); if you are not registered for GST, add roughly 10%. Compayr is not a financial adviser. © 2026 Compayr.com.au