What is my effective rate?

Total card fees divided by total card turnover, taken from your statements. It rolls every charge into one comparable figure — more useful than a headline rate.

Flat-rate or interchange-plus — which should I compare?

Both. They are just two ways providers price the same thing, so the calculator ranks them on the same basis — your estimated cost of acceptance at your volume. See our guide to flat-rate vs interchange-plus for the trade-offs.

Does the calculator include terminal rental and hardware?

Those are shown separately alongside every result and are never part of the ranked figure, because they are equipment costs rather than the cost of accepting a card.

Are the figures a quote?

No. Figures are indicative and carry the date each was verified — always confirm current pricing directly with the provider before you switch.

Free tool

Merchant fee calculator

Work out what you actually pay to accept cards. Enter your turnover and card mix and Compayr ranks the providers we track by estimated card acceptance cost at your real volume — not the headline rate. Terminal rental and hardware are shown separately, so nothing hides.

We compare 18 providers — see the full list. We do not compare every provider in the Australian market, and we do not compare every plan each provider offers.

Calculate my fees On a surcharge plan? Model your October bill

Enter your numbers

Your monthly card turnover and current effective rate — total fees ÷ card turnover, from your statement.

Set your card mix

Debit, credit and international split. Not sure? A 70 / 27 / 3 default is applied and clearly shown.

Compare the ranking

See the providers we track ranked by estimated card acceptance cost at your volume, with rental and hardware listed separately.

Common questions

What is my effective rate?: Total card fees divided by total card turnover, taken from your statements. It rolls every charge into one comparable figure — more useful than a headline rate.
Flat-rate or interchange-plus — which should I compare?: Both. They are just two ways providers price the same thing, so the calculator ranks them on the same basis — your estimated cost of acceptance at your volume. See our guide to flat-rate vs interchange-plus for the trade-offs.
Does the calculator include terminal rental and hardware?: Those are shown separately alongside every result and are never part of the ranked figure, because they are equipment costs rather than the cost of accepting a card.
Are the figures a quote?: No. Figures are indicative and carry the date each was verified — always confirm current pricing directly with the provider before you switch.

Figures are indicative and carry the date each was verified. Rankings are ordered purely on lowest estimated card acceptance cost; no provider can pay for position. See how we compare.