Compayr
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Square

No lock-in

In-person payments

4.6(3,031 reviews · Capterra)
$618/mo

est. at typical volume

An all-in-one provider built around selling in person, with a free POS app, affordable hardware and a flat, transparent rate.

Best for: Cafes, retail and pop-ups that want an all-in-one till, hardware and a quick online store with no lock-in.

Pricing & fees

Card rate1.6% inc-GST
Monthly fee$0
Amex1.6% inc-GST
Setup fee$0
Hardware from$65
Chargeback fee$0
International cards0%
SettlementNext business day
ContractNo contract, you own the hardware, leave anytime.
Least-cost routingNo

Pros & cons

Flat 1.6% inc-GST in-person rate
Free chargeback handling ($0)
No lock-in, own your reader
Cheapest entry hardware ($65)
Flat 2.2% online costs more on large orders
Instant transfer costs 1.5%

Compare with alternatives

Zeller

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

$541/mo

Tyro

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

$563/mo

CommBank Smart

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

$425/mo

NAB

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

$467/mo

Westpac

Westpac business customers wanting EFTPOS Flex with sector-tuned plans.

$486/mo

Compare Square head-to-head

Square vs ZellerSquare vs TyroCommBank Smart vs Square
All in-person providersCompare 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 total monthly cost. Quote-only providers are never ranked as cheapest while a complete-cost option exists. Rates last verified 2026-07-19. Confirm current pricing with Square.