Side-by-Side Comparison
We compare major Australian payment providers side-by-side on price, features, and contract terms so you can make an informed decision.
just saved by switching providers
Free Comparison Service
No Surcharge. No Problem. Compare Australia's Best Eftpos Providers in 60 Seconds.
Compare some of the top Eftpos and payment providers on product and value. Find out how much you're really paying... and how much you could save.
100% Free Service
No Lock-In
Australian Owned
Comparison Service
How It Works
We Reduce Your Payment Costs
We Reduce Your Payment Costs
& Handle Everything
Three simple steps to lower fees and a seamless switch, at zero cost to you.
Multi-Provider Access
Access Zeller, Tyro, ANZ Worldline and PayNuts through one comparison. Find the perfect fit for your business type and volume.
Done-For-You Switching
Once you pick the best provider, we handle the entire switch. Zero downtime, zero hassle. We manage everything.
Trusted By Australian Businesses
Real Results. Real Businesses.
Hundreds of Australian merchants have already reduced their payment processing costs with PaiCompare.
500+
Businesses Helped
Across Australia
$1.2M+
Saved in Fees
And counting
100%
Free Service
No hidden costs
"Switched from Square to Tyro and saved over $3,200 a year. The team handled everything. I didn't have to lift a finger."
SM
Sarah M.
Cafe Owner · Melbourne, VIC
"I had no idea I was overpaying until I used the calculator. PaiCompare found me a provider that cut my fees by 22%."
JT
James T.
Retail Store Owner · Sydney, NSW
"The whole switch took less than a week. Zero downtime, and my monthly fees dropped by over $400. Couldn't be happier."
ML
Maria L.
Restaurant Owner · Brisbane, QLD
"Transparent, honest advice & no pressure. They showed me exactly what I was paying vs what I could pay. Game changer."
DK
David K.
Hair Salon · Perth, WA
Trusted Payment Providers
🔒 Your Data & Privacy
SSL Encrypted
256-bit security
Privacy Protected
No data sold
Australian Owned
Melbourne based
Comparison Service
Free for merchants
PaiCompare Insights
Merchant Tips & Industry News
Expert guides to help Australian businesses reduce payment costs.
Why It Matters
Is Your Business Getting the Best Deal?
Payment fees are one of the most overlooked costs in Australian businesses. Here's what you should know.
"If you process $80,000/month, even a 0.3% reduction could save approximately $2,880 annually."
Surcharging rules are changing
The Australian government is reforming surcharge rules. Now is the perfect time to review your payment costs and make sure your business is in the best position before the changes hit.
You may be paying more than you think
Many businesses are surprised to find they're charged interchange fees, scheme fees, and terminal rental on top of their advertised rate. A quick review can reveal exactly what you're paying.
Most businesses save 15 to 30% by switching
If you haven't compared payment providers in the last 12 months, there's a good chance you could be saving. Our free calculator shows you exactly how much, in under 60 seconds.
✓ Simple & Transparent Process
How It Works
From comparison to switch, we guide you every step of the way with expert support and zero surprises.
01
Enter Your Details
Tell us your monthly revenue, average transaction value, and current provider. Takes 60 seconds.
02
See Your Comparison
We instantly calculate your estimated fees across all major providers and show you potential savings.
03
Select the Best Fit
Lock in your provider. Choose the option that suits your business and we'll get you set up.
04
We Handle the Switch
Zero downtime, zero hassle. We manage the entire transition so you can focus on your business.
100% Free Service
We never charge merchants. Paid by providers only on successful switches that save you money.
No Lock-In
No Pressure
Frequently Asked Questions
Find answers to common questions about payment providers
Why doesn't PaiCompare ask for more information?
We’ve designed the comparison process to balance accuracy with simplicity.
While collecting more detailed information could improve precision, it would also make the process longer and more complicated. We focus on gathering the key information that has the greatest impact on payment costs, allowing merchants to receive useful savings estimates quickly and easily.
Am I tied to my current POS provider, or can I switch EFTPOS providers?
In most cases, you can change EFTPOS providers without changing your Point of Sale (POS) system. Many POS platforms support integration with multiple payment providers, although compatibility varies depending on your setup.
Before switching, it is important to confirm:
- Whether your POS system supports alternative EFTPOS providers
- Any existing contractual obligations with your current provider
- Whether integration requires software updates or configuration changes
If you are unsure, PaiCompare can help you identify which EFTPOS providers are compatible with your existing POS system.
How accurate are the savings estimates?
Our savings estimates are designed to provide a realistic indication of what your business could save by comparing providers.
We use the information you provide, along with current market pricing and transaction fee structures, to calculate potential savings. While we strive to be as accurate as possible, actual savings may vary depending on factors such as:
- Your mix of card types (Visa, Mastercard, Amex, and more)
- Transaction volumes and average transaction values
- Industry-specific pricing arrangements
- Hardware, terminal rental, and ancillary fees
- Future changes to provider pricing
Our goal is to provide a meaningful estimate without requiring you to enter excessive amounts of data.
Will changing EFTPOS providers disrupt my business?
For most merchants, switching providers is straightforward and can be completed with minimal disruption.
Many providers offer:
- Remote terminal setup
- Next-day or scheduled installation
- Staff training and onboarding support
- Assistance with migrating existing payment services
Planning the changeover in advance can help ensure a smooth transition.
How long does it take to switch EFTPOS providers?
The timeframe varies depending on your business requirements and integration needs.
Simple terminal replacements may take only a few days, while integrated POS environments can take several weeks to coordinate. Your chosen provider will typically guide you through the process and provide a transition timeline.
Do I need to buy new EFTPOS terminals?
Not always.
Some providers can reprogram or repurpose existing hardware, while others may require new terminals. This often depends on the age, model, and ownership status of your current equipment.
PaiCompare can help identify providers that best suit your existing setup.
Why do EFTPOS fees vary so much between providers?
Payment providers use different pricing models, including:
- Flat-rate pricing
- Interchange-plus pricing
- Blended merchant service fees
- Surcharging solutions
The most cost-effective option depends on your transaction profile, industry, and customer payment preferences.
Are there any exit fees if I leave my current provider?
Some providers include minimum terms, early termination fees, or equipment payout obligations. Others offer month-to-month agreements with no exit penalties.
We recommend reviewing your current agreement before making a switch.
Does PaiCompare receive commissions from providers?
PaiCompare aims to provide transparent comparisons based on available pricing and service information. Any commercial arrangements with providers do not affect the methodology used to calculate estimated savings.
Transparency is important to us, and we encourage merchants to compare multiple options before making a decision.
Can I keep my current bank account and settlement arrangements?
In many cases, yes.
Most EFTPOS providers can settle funds into your existing business bank account, regardless of where you bank. Settlement times and funding schedules may vary between providers.
Is PaiCompare suitable for small businesses?
Yes. Whether you’re a café, retail store, restaurant, trades business, or multi-site operation, PaiCompare helps businesses of all sizes understand their payment costs and explore alternative providers.
What happens after I compare providers?
Once you’ve completed your comparison, you’ll receive tailored options based on your business profile. You can then:
- Review potential savings
- Compare features and integrations
- Request additional information
- Connect directly with suitable providers
There is no obligation to switch providers. The choice is always yours.
Ready to Stop Overpaying?
Join 500+ Australian businesses that have already reduced their payment processing costs.
🔒 No cost. No lock-in. No personal data sold. Average audit takes under 2 minutes.
Disclaimer: All rates quoted are indicative only and subject to change. Final rates are determined by your card mix (proportion of credit, debit, eftpos, and Amex transactions) and total revenue processed through your EFTPOS machine. Actual fees may vary. Contact us for a personalised quote.
Commercial Relationships & Independence
At Paicompare, our goal is to help you compare payment providers easily. To ensure this service remains free for consumers, Paicompare has commercial ties with all providers featured on this website.
How this affects you:
- Commissions: We receive financial compensation (such as referral fees or commissions) from the providers on our platform when you engage with them through our site.
- Market Coverage: Because we only list providers with whom we have a commercial agreement, our website does not provide a comprehensive list of all products or providers available in the Australian market; however we have chosen this pool of providers because we understand that they all have their unique value and are some of the best in the market.
We encourage you to use the information provided on Paicompare as a starting point and to consider whether the products listed meet your specific needs before making a decision.