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EFTPOS merchant fees are the cost a business pays each time it processes a card payment. Most Australian providers charge a percentage of the transaction value (and sometimes a flat fee on top), which is deducted before funds settle into your account. Fees typically vary depending on the card network used (eftpos, Visa, Mastercard, American Express etc.), the payment method (tap, insert, or online), and the pricing model your provider uses — flat rate or variable. Read our EFTPOS & Merchant Fees in Australia Guide to learn more.

When comparing providers, look beyond the headline transaction rate. Key factors include: whether the rate is flat or variable, whether American Express and international cards cost extra, monthly account or terminal rental fees, settlement speed (same-day vs next-day), contract length and early exit fees, and the upfront or ongoing cost of hardware. Rather than adding these up manually, you can use the free EFTPOS fees calculator on this page — it factors in transaction fees, hardware, chargeback fees, monthly fees and more, so you get an estimated all-in figure to compare with, rather than just comparing headline rates.

A flat rate charges one consistent percentage on every transaction, regardless of card type, making costs predictable. Interchange-plus (or interchange++) passes through the wholesale interchange fee set by card schemes, plus a fixed margin, making it harder to predict and compare. Most small and medium Australian businesses find flat-rate pricing simpler to budget for and compare across providers.

Yes. Common extra costs include monthly account or PCI compliance fees, terminal rental or lease fees, minimum monthly transaction charges, chargeback fees, batch/settlement fees, and higher rates for American Express or international cards. Always check whether the advertised rate is the total cost or just a starting point.

The easiest way is to use the EFTPOS fees calculator above: enter your average annual card revenue, current EFTPOS provider, and hardware setup, and it will estimate your total cost — including transaction fees, monthly fees, hardware, chargeback fees and more — in one number. This will allow you to compare your realistic annual cost rather than just looking at a provider's advertised percentage rate alone, since that rate rarely reflects everything you actually pay.

No. Zeller’s low-fee EFTPOS pricing model charges one flat rate of 1.4% for all card types including American Express. This differs from many providers that charge a higher rate for Amex or international cards.

No. Zeller has no lock-in contracts, no monthly fees, and no minimum transaction requirements. You only pay the transaction fee when you take a payment, which makes it easier to compare costs directly against providers that charge ongoing account or rental fees.

The best rate depends on your transaction volume, average sale size, and card mix. Start by running your numbers through the EFTPOS fees calculator on this page to see what you're currently paying in total — including hardware, chargebacks and monthly fees, not just the transaction rate. From there, businesses with high monthly turnover can often negotiate custom pricing; contact Zeller Sales to see what rate your business qualifies for.