Compare
Payment Processing Fees
Compare providers.
Find competitive payment solutions.Compare fees
side by side
EFTPOS
In-store payments
Typical fee range
0.6% – 1.2%
per transaction*
- Tap & go
- Chip & PIN
- Contactless
UNATTENDED
Kiosks, terminals & automated payments
Typical fee range
0.8% – 1.6%
per transaction*
- 24/7 payments
- Secure & reliable
- Great for automation
WEBSITE /
E-COMMERCE
Online payments
Typical fee range
1.4% – 2.6%
per transaction*
- Secure checkout
- Global payments
- Optimised for online sales
INVOICING
Invoices & recurring payments
Typical fee range
1.0% – 2.2%
per transaction*
- Send & get paid
- Recurring billing
- Cash flow friendly
Surcharge Ban Countdown
The Surcharge Ban Takes Effect
October 1, 2026
Find competitive payment solutions before the rules change.
From October 1, businesses can no longer pass card surcharges on to customers. Compare providers now to help protect your margins.
Ready for October 1?
Start Comparing and Saving
Cut your payment costs before the October 1 surcharge ban hits. Compare leading EFTPOS, online payment and Invoice payment providers in minutes — with tailored options for retail, hospitality, car wash, fuel, vending, wholesalers and unattended businesses. We help you find smarter rates, lower fees, better hardware and future-ready solutions, so you can protect your margins and keep more from every transaction.
Get Started today and see how much your business could save.
Free tools for Australian businesses
Payment fee calculators
Estimate your costs and understand the October 1 surcharge ban impact — instantlyEasy to compare · Instant results · No cold calls
Easy to compare · Instant results · No phone calls
Instant results — no cold calls, no hassle
See what other merchants are really paying
RateFox compares Australian payment providers using real data from real merchants — not advertised rates. Answer a few questions and get your comparison instantly, 100% online.Tell The Fox about your business
Share the basics — card turnover, industry and current provider — so we can match you against merchants like you.
Choose Basic or Detailed
Pick the level of comparison that suits you.
Basic Comparison
A quick, conversational exchange of your key details for a fast market read.
Detailed Comparison
An in-depth review of your actual payment provider agreement to uncover hidden fees.
Get your instant comparison
See how your fees stack up against what other merchants are actually paying — results in seconds, no sales spam calls.
Powered by RateFox — instant results, no cold calls, no obligation
Top 5 Things to Know About Payment Processors
1. Switching is Easy
Our customers tell us that with our help the switch was fast and simple. In fact, you can switch to a new provider in just minutes, depending on your circumstances. And you don’t even have to wait for your existing contract to finish.
2. Choose from different types of features
Your payment processor can provide an array of features to suit your business, including fast settlement, instant no-application business loans, Qantas Rewards, and Velocity Points.
3. There are ways to save on your fees
If your biggest concern is the costs associated with processing your payments, we can help you find the best rate in the market.
4. Know what you are paying
Payment fees can vary between providers. Understanding your rates, charges, monthly costs and chargeback fees can help avoid unexpected expenses. Especially with a surcharge ban from October 1 2026.
5. Reports and Support matter
Easy-to-use reporting tools and responsive local support can make managing your payments and resolving issues much easier day-to-day.
What’s the difference between providers?
Not all payment providers are created equal. Beyond fees and rates, some offer valuable perks like Qantas or Velocity points, loyalty programs, faster settlements, better support and integrated business tools. We compare the real benefits — not just the price — to help you find the right fit for your business. Whether you are after cost savings, adding benefits, or both – we’ve got you!
Eftpos Payments
Standard fees and features can include the following plus Loyalty:
✓ Payment Terminal with monthly terminal rental
✓ Per transaction % fee
✓ Chargeback fees for transaction disputes
✓ Minimum transaction fees per month
✓ Daily Settlement
✓ Next business day settlement
✓ Standard operating hours help desk support
✓ Sales, transactions, and settlement reporting
✓ Monthly admin fee
✓ Velocity Rewards
✓ Qantas Business Rewards
Unattended Payments
Standard fees and features can including the following plus Loyalty:
✓ Payment Terminal with monthly terminal rental
✓ Per transaction % fee
✓ Per transaction $ fee
✓ Chargeback fees for transaction disputes
✓ Minimum transaction fees per month
✓ Next business day settlement
✓ Standard operating hours help desk support
✓ Sales, transactions, and settlement reporting
✓ Monthly admin fee
✓ Customer app linked to Loyalty Pay CRM
✓ Loyalty credits per transaction
✓ Gift card management
✓ Wash Club
E-commerce Payments
E-commerce fees & features can include plus Loyalty:
✓ Per transaction % and fixed $ fee
✓ Monthly service fees
✓ 3DS security fixed transaction fee
✓ Fraud screening
✓ T+1-7 day settlement
✓ Sales and transaction dashboard
✓ Standard operating hours help desk support
✓ Velocity Rewards
✓ Qantas Business Rewards
Invoicing Payments
Invoicing your customers includes plus Loyalty:
✓ Instant settlement
✓ Accepts all major credit cards
✓ Improve cashflow by up to 55 days
✓ Fraud screening
✓ ERP integration
✓ Sales and transaction dashboard
✓ Standard operating hours help desk support
✓ Qantas Business Rewards
Take the struggle out of comparing your payments
Simple to use
Get started by answering a few quick questions to help us understand your needs.
Compare & save
Save time and money by easily comparing providers side by side.
Switching is easy
With our help your switch will be seamless.
What our clients say
Real savings for real Australian businesses
Businesses across Australia trust RateFox to find them the best payment processing rates.
I’d been with the same provider for years and assumed the fees were just part of doing business. RateFox showed me in minutes that I was paying nearly double what I needed to. Switched providers the same week and haven’t looked back.
As a tradie running a small team, I don’t have time to research payment systems. The Fox asked me a few questions and had a recommendation in minutes. Dead simple. Saved us over $2,000 in the first year.
We run an online store and our payment fees were eating into margins badly. RateFox compared our options side by side — no fluff, no sales calls. Found a provider that cut our e-commerce fees by 40%.
With the October surcharge changes coming, I was stressed about what it meant for our business. RateFox explained exactly what we needed to do and helped us find a provider already set up for the new rules. Total peace of mind.
I manage three hair salons and the admin involved in switching providers always put me off. RateFox made it surprisingly straightforward. Each location is now on a better rate.
We process a lot of invoices monthly and didn’t realise how much those small percentage differences compounded. The comparison was eye-opening. Honestly wish we’d done it sooner. Excellent service.
About
Rate Fox is a comparison platform for Australian businesses, specialising in payment terminals, and e-commerce payments. We bring provider information, features and pricing considerations together to help business owners compare options and make more informed decisions.
Rate Fox provides general comparison information only and does not provide financial, legal or tax advice.