Zeller
- In-person rate1.4%
- Online rate1.7% + $0.25
- Monthly feeFree
- Contract lengthNo lock-in
Est. monthly cost$224/mo
Independent · No paid rankings · AUD PricingCompare business services
Compare business services
across Australia
Independent, side-by-side comparisons across payments, POS, e-commerce, accounting, payroll, and more, using your real numbers. No sales calls, no sign-up.
- Providers indexed
- 132
- Comparison tools
- 17
- Business categories
- 6
Tracked provider rates are re-checked monthly. Last checked .
Payment Providers
- Square
- Zeller
- Stripe
- Tyro
- CommBank Smart
- NAB
- Westpac
- Smartpay (Shift4)
- ANZ (Worldline)
- SumUp
- PayPal
- Eway
- Till Payments (Nuvei)
- Clover
- Adyen
- Bendigo Bank
- Fat Zebra
- Pin Payments
- Windcave
- Checkout.com
- Airwallex
The cheapest provider isn’t the same for everyone
These payment providers are compared at a sample $15,000/mo, with best-in-row cells highlighted so you can see at a glance who wins on which fee.
| Provider | Zeller | Stripe | Square | NAB |
|---|---|---|---|---|
| In-person rate | 1.4% | 1.7% + $0.10 | 1.6% | Best1.15% |
| Online rate | 1.7% + $0.25 | 1.7% + $0.30 | 2.2% | Best1.4% + $0.25 |
| Monthly fee | Free | Free | Free | $25/mo |
| Contract length | No lock-in | No lock-in | No lock-in | No lock-in (60 days notice) |
| Est. monthly cost | $224/mo | $255/mo | $267/mo | Best$184/mo |
Estimates based on $15,000/mo volume. Best-in-row cells are highlighted in emerald.
Compare 4 providers
Stripe
- In-person rate1.7% + $0.10
- Online rate1.7% + $0.30
- Monthly feeFree
- Contract lengthNo lock-in
Est. monthly cost$255/mo
Square
- In-person rate1.6%
- Online rate2.2%
- Monthly feeFree
- Contract lengthNo lock-in
Est. monthly cost$267/mo
NAB
- In-person rate1.15%Best
- Online rate1.4% + $0.25Best
- Monthly fee$25/mo
- Contract lengthNo lock-in (60 days notice)
Est. monthly cost$184/mo
What you can compare
Independent comparisons, built for Australian business
Side-by-side comparisons across payments, platforms, and software for Australian businesses.
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How it works
Three steps, no sign-up required
No call-backs. No “talk to a specialist”. Just numbers, side by side, so you can make the right decision for your business.
- Step 01
Tell us about your business
Share a few details, like your volume and current costs. That’s it. No email needed.
PrivateNo account, no sales call - Step 02
See every provider, ranked for you
We calculate what you’d actually pay each provider, using their published rates today. Sort by anything that matters.
Today132 providers · 17 comparison tools - Step 03
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Go straight to the provider with one click, or request quotes. We may earn a commission if you switch.
See what you could save
Independent, unbiased, and transparent
MerchantCompare ranks providers by actual cost to your business, not by who pays us. We compare 132 providers across 15 business services, from the big banks to independents and global platforms. No provider can pay for a higher ranking. If a cheaper option exists, our calculator shows it. Every price is shown in Australian dollars, including providers that bill in US dollars, so you compare like for like.
How we compare providers$910M
Projected wholesale cost cut
RBA · March 2026
Australian merchants’ wholesale card costs fall by around $910 million a year
That’s the RBA’s estimate for its interchange caps, in the March 2026 conclusions paper. Wholesale is the operative word: the cut lands on what your provider pays, and reaches you only if you’re on the right pricing structure with the right provider.
Source: RBA Review of Merchant Card Payment Costs and Surcharging, Conclusions Paper, March 2026
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Not sure which option is right for your business?
Every comparison here is built on published pricing and a cost calculator you can run yourself. If you would rather talk it through, our team can help you weigh the options.