Card fees · by trade
What card fees cost an Australian venue, salon or clinic
Every provider here charges a pub, a barbershop and a physio the same published rate. What changes between trades is not the rate - it is the size of the average sale and how much of your take is in person. So here are all three, side by side, on the same turnover.
$60,000 a month, three different trades
Annual cost, because that is the number that lands on your P&L. Published rates as at 14 August 2026, including published monthly fees.
| Provider | Pubs $65 ticket, 85% in person | Salons $85 ticket, 80% in person | Clinics and allied health $140 ticket, 70% in person |
|---|---|---|---|
| Square | $12,168 | $12,384 | $12,816 |
| Zeller | $10,819 | $10,936 | $11,114 |
| Tyro | $10,428 | $10,428 | $10,428 |
| Stripe | $14,328 | $13,685 | $13,192 |
| Fresha | Not published | Not published | Not published |
Every rate above, and where it comes from
- Square: Square Support Centre (AU): Learn about Square fees, (checked 2026-08-14)
- Zeller: Zeller: Pricing, (checked 2026-08-14)
- Tyro: Tyro: EFTPOS machine costs and merchant fees, (checked 2026-08-14)
- Stripe: Stripe: Pricing (Australia), (checked 2026-08-14)
- Fresha: Fresha: Pricing, (checked 2026-08-14)
Figures on this page are calculated from these published rates. They are not quotes, and they are not negotiated pricing - check the source before deciding on one.
Tyro comes out cheapest in all three trades on published rates as at 14 August 2026. The trade you are in changes what you pay, but on these rates it does not change who is cheapest - which is precisely why this is one page and not three. Change the ticket size or the online share and the order can move, which is why the calculator matters more than any table we can print: it carries a preset for each of these three trades and then lets you overwrite every number in it.
Where your trade actually changes the answer
Not in the rate card - in the mix. These are the assumptions behind the three columns above.
Pubs, clubs and restaurants
Typical $65 ticket · 85% in person · 15% online · 5% overseas-issued
High transaction count, moderate ticket. Card present dominates, but per-transaction fixed fees bite hardest here because a fixed cent amount is a bigger slice of a $22 round than a $220 invoice. Online is deposits, functions and pre-orders.
A fixed 30c per transaction is 0.46% of a $65 sale on its own, before any percentage rate.
Salons, barbers and beauty
Typical $85 ticket · 80% in person · 20% online · 2% overseas-issued
Most salon payments are taken at the counter after the appointment, so the card-present rate does most of the work. Online exposure comes from deposits and prepaid packages. International cards are rare outside tourist strips.
A fixed 30c per transaction is 0.35% of a $85 sale on its own, before any percentage rate.
Clinics and allied health
Typical $140 ticket · 70% in person · 30% online · 1% overseas-issued
Higher ticket, lower volume, and a meaningful share of card-on-file and rebilling. Percentage rates matter more than fixed per-transaction fees at this ticket size, and keyed or card-on-file rates deserve a close look because some providers price them well above the in-person rate.
A fixed 30c per transaction is 0.21% of a $140 sale on its own, before any percentage rate.
What moves the number most, in any trade
- Average ticket. A fixed per-transaction fee is a percentage of the sale in disguise, and it grows as the sale shrinks. Thirty cents is 0.46% of a $65 round but only 0.21% of a $140 invoice. A provider quoting a flat percentage with no fixed component looks better the smaller your ticket gets.
- The online share. Online and keyed rates run well above in-person rates almost everywhere - Square publishes 2.2% online against 1.6% in person. If deposits and prepayment are growing, that gap grows with them, and the trades taking the most online are the ones that feel it first.
- Monthly fees. A $29 monthly terminal fee is $348 a year. Against a 0.2 percentage-point rate saving, that is worth it above roughly $174,000 a year of card turnover and costs you money below it.
Once you know the number, the next question is what you do about it
BookMyVenue is booking, ordering and POS software with published pricing and zero commission on every booking. It does not replace your payment provider and it does not change your processing rate - but it does mean the software sitting on top of those payments costs a flat monthly fee instead of a slice of every sale.