CommBank Smart
In-person payments
The major-bank option: interchange-linked pricing that benefits from the Oct 2026 cap cut, with same-day settlement to a CommBank account.
Typical use case: CommBank business customers wanting same-day settlement to their own account. (as positioned by the provider)
Pricing & fees
Pros & cons
Compare with alternatives
Cafes, retail and pop-ups that want an all-in-one till, hardware and a quick online store with no lock-in.
$680.00/mo/mo inc-GST
Australian SMEs wanting a single flat rate, free business account and no monthly fees.
$595.00/mo/mo inc-GST
Hospitality and retail wanting deep POS integrations and least-cost routing.
$577.25/mo/mo inc-GST
NAB business customers wanting bank-grade EFTPOS with interchange-linked pricing.
$513.75/mo/mo inc-GST
Westpac business customers wanting EFTPOS Flex with sector-tuned plans.
$534.75/mo/mo inc-GST
Compare CommBank Smart head-to-head
*Cheapest = the lowest estimated cost on card transactions among the providers we compare in this lane, at the shown volume. The cheapest option on transactions may not be the cheapest once you add terminals, hardware or software — check the fee rows above. Compayr may earn a referral fee when a merchant switches via our links. This never affects rankings, which are based purely on lowest card processing costs. Quote-only providers are never ranked as cheapest while a complete-cost option exists. Rates last verified 2026-09-03. Confirm current pricing with CommBank Smart. We compare one standard published plan per provider; promotional and individually negotiated rates are excluded. Some providers pay Compayr a referral fee if you switch through our link; this never affects our comparison, which is ordered purely on lowest estimated card acceptance cost.