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.
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
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.