Provider comparison
Compare online payment providers
Ranked by total monthly cost at your volume — not headline rate. Independent, with no paid placements.
Figures as advertised
Online figures are shown AS ADVERTISED by each provider (fees are typically GST-inclusive where GST applies). Confirm current pricing with the provider before switching.
| Provider | ||||||
|---|---|---|---|---|---|---|
| Online rate | 1.50% | 1.70% | 1.70% | 1.75% | 2.60% | Quote |
| Per transaction | $0 | $0 | $0 | $0 | $0 | — |
| Monthly fee | $5 | $0 | $0 | $0 | $0 | — |
| Int'l cards | Varies | +1.8% | Competitive FX | +1% | +1.5% | — |
| Payment links | ||||||
| Recurring billing | ||||||
| Hosted checkout | ||||||
| Settlement | Depends on acquiring bank | Standard payouts (2–3 days) | Varies by currency | 2–3 business days | Instant to PayPal balance | — |
| Contract | Monthly plan | No lock-in | No lock-in | No lock-in | No lock-in | Custom |
| Rating | 3.8(140) | 4.6(3,347) | 4.2(6,100) | 4.1(90) | 4.7(24,000) | 4(40) |
| Best for | Australian ecommerce stores wanting a local gateway with fixed monthly plans. | Online-first businesses, SaaS and marketplaces needing powerful APIs. | Businesses selling internationally that want multi-currency accounts and FX savings. | Australian startups and SMEs wanting a simple all-in-one online rate with no monthly fee. | Merchants wanting instant buyer trust and a widely-recognised checkout button. | Australian platforms and larger merchants wanting a local gateway with custom pricing. |
Compayr may earn a referral fee when a merchant switches via our links. This never affects rankings, which are based purely on lowest total monthly cost. Quote-only providers are never ranked as cheapest while a complete-cost option exists.
All product names, logos and brands are property of their respective owners. Reference is nominative — for factual comparison only — and does not imply endorsement. Rates last verified 2026-07-19. Always confirm current pricing with the provider.
Popular head-to-heads
Torn between two? See the side-by-side verdict.
Want your exact numbers?
Our free calculator estimates your real bill by sector — including the October 2026 reforms.