Head to head
Westpac vs CommBank Smart
Which card machine keeps more in your pocket? We rank both purely on estimated card costs, then weigh contract and settlement. Ranked on cost, with no paid placements.
How Compayr makes money: some providers pay Compayr when a merchant switches via our links: a one-off amount, an ongoing share while you process, or both. Others pay us nothing. This never affects rankings, which are ordered purely on lowest estimated card acceptance cost. How we compare
How they compare
Card costs, contract and settlement side by side. Which costs less depends on your turnover and card mix.
Westpac lands about $54/month (roughly $648/year) cheaper at a sample $42,500 in monthly card sales.
Any savings shown exclude exit or early-termination fees payable to your current provider. Check your agreement before switching. Not all products offered by each provider are compared: we compare one standard published plan per provider, and actual savings depend on your circumstances.
Choose Westpac if you want…
- the lowest card processing cost at a typical volume
- a lower headline card rate
Choose CommBank Smart if you want…
- little or no fixed monthly fee
- lower (or $0) chargeback fees
Side by side
| Feature | Westpac | CommBank Smart |
|---|---|---|
| Card processing costs / month | $329/mo | $383/mo |
| Card rate (ex-GST) | 0.72% | 0.90% |
| Fixed monthly fee | $23 | $0 |
| Hardware from | $0 | $0 |
| Chargeback fee | $30 | $27 |
| Settlement speed | Same-day for Westpac account holders; otherwise next business day | Same-day for CommBank account holders; otherwise next business day |
| Contract | Rented terminal | Rented terminal |
Figures ex-GST, estimated at a sample $42,500 in monthly card sales. A highlighted cell marks the better result on that row.
Westpac
Typical use case: Westpac business customers wanting EFTPOS Flex with sector-tuned plans. (as positioned by the provider)
CommBank Smart
Typical use case: Merchants wanting a major-bank terminal with a single published rate. (as positioned by the provider)
Still deciding?
Run your own numbers by sector in our free calculator, ranked on estimated card acceptance cost.
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 not ranked and are not counted as a comparison. Rates last verified November 2026. This head-to-head is generated from published pricing and third-party review scores. Always confirm current pricing with each provider before switching.