EFTPOS &
Online Payments
Built for
Australian Business
Accept every card, cut your payment costs and run your business without lock-in contracts or hidden fees. Rates from 0.79%.
Surcharges Are Being Banned — Is Your Business Ready?
The RBA has officially announced the end of card surcharges, taking effect 1 October 2026. If you currently pass fees on to customers, it’s time to switch to a smarter model. Payee’s Low Cost EFTPOS gives you transparent rates from just 0.79% based on your MCC classication — one of the lowest in Australia — with no lock-in contracts and no hidden fees. Stop relying on surcharges and start absorbing costs at a rate that actually works for your bottom line. Talk to Payee today and make the transition before the deadline.
What Does 1 October Mean for EFTPOS Pricing?
From 1 October 2026, debit card interchange fees drop from 0.2% to 0.16%, and credit card fees fall from 0.8% to just 0.3%. These wholesale savings should flow through to lower merchant rates — meaning businesses that act now and lock in competitive pricing with the right provider will be best placed to thrive.
Suncorp shutting down your EFTPOS? We’ve got you covered.
Suncorp Bank is closing its merchant EFTPOS services on 11 December 2026 — leaving thousands of businesses scrambling for a new provider. Don’t let your payments go dark.Payee offers competitive EFTPOS rates tailored to your turnover and industry, fast approval, and a seamless terminal swap with zero downtime. No lock-in contracts, no hidden fees, just straightforward pricing built for Australian small business.Switching is simple: keep your settlement account, keep your routine, lose nothing but the fees you were overpaying.
Get a free rate comparison today — most businesses switch in under 48 hours.
Choose the Right EFTPOS Plan for Your Business
From zero-cost to low-cost EFTPOS and ecommerce — a solution that fits how your business takes payments.
No Cost EFTPOS Winding Down
The RBA is banning surcharging.Payee makes transitioning to low-cost EFTPOS simple and seamless, with competitive rates
- ✓ Low merchant fees
- ✓ Automated tipping
- ✓ All cards + Apple & Google Pay
- ✓ Afterpay & Buy Now Pay Later
- ✓ Plug and play setup
Low Cost EFTPOS
Blended and interchange rates starting from 0.79%. Transparent pricing, no hidden charges.
- ✓ Rates from 0.79% (inc. GST)
- ✓ Standalone, integrated & mobile
- ✓ 450+ POS integrations
- ✓ Optional automated surcharging
- ✓ No startup fees
- ✓ Low Eftpos Transactions
Online & Ecommerce Payments
Secure gateway with WooCommerce plugin, payment links and a real-time merchant portal.
- ✓ No monthly fees
- ✓ WooCommerce & Magento plugins
- ✓ 3D Secure 2.0 fraud protection
- ✓ Payment links via email & SMS
- ✓ Real-time merchant portal
Up & Running in 4 Simple Steps
Most businesses are processing payments within 24–48 hours of signing up.
Get a Free Quote
Tell us about your business and we’ll build a custom payment solution to reduce your costs.
Choose Your Plan
Pick from No Cost, Low Cost, or Online — or mix-and-match terminals to suit your workflow.
Plug & Play Setup
Your terminal arrives ready to go. We connect to your POS system — no technician required.
Start Saving
Accept every card from day one. Monitor everything in real-time via the Payee Merchant Portal.
Compare Payee vs Tyro vs Square
See why thousands of Australian businesses choose Payee for EFTPOS and online payments.
| Feature | ✅ Payee | Tyro | Square |
|---|---|---|---|
| Transaction Rate | From 0.79% | 1.4% | 1.6% |
| Terminal Cost | $29/mo or FREE | $29/mo or free | $329 upfront |
| Zero Cost EFTPOS | ✓ All businesses | $10k+/mo only | Beta only |
| Lock-in Contract | ✓ None | ✓ None | ✓ None |
| POS Integrations | 450+ | 450+ | Own ecosystem only |
| WooCommerce Plugin | ✓ Yes | — | — |
| 24/7 Aussie Support | ✓ Yes | ✓ Yes | — |
EFTPOS Solutions for Every
Australian Industry
Hospitality
Home Services
Hair & beauty
Petrol Stations
Trade Services
Professional Services
Trusted by Australian Businesses
"Switching to the No Cost EFTPOS saved our café hundreds every month. The setup was plug-and-play and the support team was brilliant."
"I run a plumbing business and the mobile EFTPOS is perfect on the road. I get paid on the spot — no more chasing invoices."
"The WooCommerce plugin was dead easy to install. Our checkout conversion improved and the 1.4% rate is hard to beat."
Accept Every Payment Type Your Customers Use
Visa, Mastercard, Amex, EFTPOS, Apple Pay, Google Pay, Afterpay and Alipay — all supported.
Ready to Reduce Your Payment Costs?
Join thousands of Australian businesses saving on EFTPOS and online payments. No lock-in, no setup fees.