What is the cheapest payment gateway in Australia?

For the lowest fees, eWAY often comes out on top for domestic card processing at 1.5% + $0.25. Stripe is close behind at 1.7% + $0.30, and Pin Payments sits at 1.6% + $0.30. The 'cheapest' can vary based on your transaction volume and type.

Which payment gateway is best for Australian ecommerce?

The best payment gateway in Australia depends on your business needs. eWAY is excellent for businesses prioritising low-cost local processing. Stripe is favoured by developers and those needing flexibility, while Pin Payments suits small businesses seeking simplicity.

How do payment gateway fees in Australia compare?

Australian payment gateway fees typically involve a percentage of the transaction plus a small fixed amount. In 2026, you'll see rates around 1.5%-1.7% for domestic cards, with slight variations depending on the provider and any international transaction surcharges.

Is Stripe or eWAY better for Australian businesses?

Stripe offers more flexibility for developers and complex integrations, making it ideal for businesses with custom needs. eWAY is often more straightforward and can be more cost-effective for businesses focused solely on simple, low-cost local payment processing.

What are the main features of Pin Payments?

Pin Payments is designed for simplicity and ease of use, making it a great choice for small businesses. It offers competitive transaction fees and focuses on straightforward integration without overwhelming features, allowing businesses to get set up quickly.

Do I need a specific payment gateway for Australian customers?

While not strictly required, using a payment gateway that offers competitive AUD processing fees and local customer support is highly recommended for Australian businesses. This ensures better rates and a smoother experience for your domestic customers.

What should Australian businesses look for in a payment gateway in 2026?

Look for low transaction costs, strong fraud controls, fast settlement, easy website integration, and support for local payment methods. Reliability and compliance matter too, especially if you sell online or take recurring payments.

How do payment gateway fees work for online sales in Australia?

Gateway costs usually include a per-transaction fee, plus card processing charges from the acquirer or payment provider. Some providers also add monthly fees, chargeback fees, or extra costs for international cards and currency conversion.

What is the difference between a payment gateway and a merchant account?

A payment gateway captures and securely sends payment details online, while a merchant account or acquirer settles the funds into your business account. Many providers bundle both services, but they are not the same thing.

What fees does Stripe charge in Australia?

Stripe’s Australian pricing is commonly quoted as a percentage plus a fixed fee per transaction, with separate charges that can apply for international cards, currency conversion, and extra features. Exact rates depend on the card type and setup.

Does SecurePay suit small business online payments?

SecurePay can suit small businesses that want a familiar Australian provider and straightforward checkout options. It is worth comparing its total cost, integration options, and support quality against newer providers before choosing.

Are there extra costs for international card payments in Australia?

Yes. International cards often cost more because providers may add a higher percentage fee, currency conversion markup, or both. Businesses selling overseas should compare these charges carefully, not just domestic card rates.