About us
Card fees shouldn't be a black box
Compayr is an independent Australian comparison service for merchant card acceptance. We built it because working out what you actually pay to take a card is needlessly hard — statements are opaque, providers advertise the friendliest number, and the real cost hides in the detail.
The RBA's reforms landing on 1 October 2026 — banning card surcharges and cutting interchange — change the maths for every business in the country. Overnight, the cost you can no longer pass on becomes a cost you absorb. Suddenly, the deal you're on matters a lot more.
So we normalise every provider to a true ex-GST effective rate, rank by the total you'd actually pay at your volume, and show our workings. No sign-up, no email gate, no callback from a broker — just a straight answer, plus the option to let us do the switching for you.
Independent by design
We rank on lowest total cost — full stop. No provider can pay to rank higher.
Radically transparent
Ex-GST maths, a 'last verified' date on every table, and an open explanation of how we make money.
On your side
We only win when you save. Whether you DIY with our tools or use our service, the goal is the same: keep more of every sale.
How we make money — plainly
When a business switches to a provider through one of our links, we may receive a referral fee. We also offer a paid audit-and-negotiation service. Neither ever influences our rankings, which are based only on your lowest total monthly cost. If we can't save you money, we'll tell you.