Westpac

Rented terminalNo relationship

In-person payments

$534.75/mo

est. card acceptance cost inc-GST at $42,500/mo card volume ($485.75/mo ex-GST)

Interchange-linked major-bank pricing with sector plans (EFTPOS Flex) that benefits from the Oct 2026 cap cut.

Typical use case: Westpac business customers wanting EFTPOS Flex with sector-tuned plans. (as positioned by the provider)

Pricing & fees

Card rate1.2% inc-GSTPublished rate

Monthly fee$24.75/mo inc-GST

AmexVaries

Setup fee$0

Hardware from$0

Chargeback fee$22.73

International cardsVaries

SettlementSame day (to Westpac account)

Contract$24.75/mo rental; same-day settlement to a Westpac account.

Least-cost routingYes

Pros & cons

~1.2% inc-GST interchange-linked

Benefits from Oct 2026 cap cut

Sector-tuned plans

$24.75/mo rental

Chargeback fee applies

Compare with alternatives

Square

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

Zeller

Australian SMEs wanting a single flat rate, free business account and no monthly fees.

$595.00/mo/mo inc-GST

Tyro

Hospitality and retail wanting deep POS integrations and least-cost routing.

$577.25/mo/mo inc-GST

CommBank Smart

CommBank business customers wanting same-day settlement to their own account.

$467.50/mo/mo inc-GST

NAB

NAB business customers wanting bank-grade EFTPOS with interchange-linked pricing.

$513.75/mo/mo inc-GST

All in-person providers Compare my rate

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 Westpac. 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.