Compared · Australia
Square vs Zeller vs Tyro vs Stripe: what each one actually charges
Every provider's own published Australian rates, as at 14 August 2026, with the annual cost worked out across six combinations of turnover and ticket size. We earn nothing from any of these companies and there are no affiliate links on this page.
Published rates, side by side
| Square | Zeller | Tyro | Stripe | Fresha | |
|---|---|---|---|---|---|
| In person (card present) | 1.6% | 1.4% | 1.4% | 1.7% + A$0.10 | Not published |
| Online | 2.2% | 1.7% + 25c | 1.4% | 1.7% + A$0.30 | Not published |
| Manually keyed / card on file | 2.2% | 1.75% + 25c | 1.4% | 1.7% + A$0.30 | Not published |
| Monthly fee | $0 | $0 | $29/month | $0 | Not published |
| GST | Not stated | Included | Included | Included | Unknown |
| Published pricing | Source | Source | Source | Source | Source |
Fresha does not publish an Australian processing rate we could source on 14 August 2026, so it is in the rate card but out of the cost modelling. We will not invent a number to fill the gap.
What that comes to over a year
Six scenarios, 85% taken in person, no international loading. Annual totals including published monthly fees.
| Scenario (85% in person) | Square/yr | Zeller/yr | Tyro/yr | Stripe/yr | Cheapest |
|---|---|---|---|---|---|
| $20,000/mo, small ticket ($45) | $4,056 | $3,668 | $3,708 | $4,773 | Zeller |
| $20,000/mo, larger ticket ($120) | $4,056 | $3,543 | $3,708 | $4,340 | Zeller |
| $60,000/mo, small ticket ($45) | $12,168 | $11,004 | $10,428 | $14,320 | Tyro |
| $60,000/mo, larger ticket ($120) | $12,168 | $10,629 | $10,428 | $13,020 | Tyro |
| $150,000/mo, small ticket ($45) | $30,420 | $27,510 | $25,548 | $35,800 | Tyro |
| $150,000/mo, larger ticket ($120) | $30,420 | $26,572 | $25,548 | $32,550 | Tyro |
No single provider wins outright - it flips with turnover and ticket size (Tyro in 4 of 6, Zeller in 2 of 6). That is exactly why a one-line “best provider” verdict is worthless. Hardware, chargeback and negotiated pricing are excluded - see the calculator's method note.
The head-to-heads, answered
The pairings people actually search for, decided by the same arithmetic as the table above rather than by opinion.
Fresha vs Square
Square publishes its Australian rates and Fresha does not, so there is no honest winner to hand you. Get Fresha's rate in writing, then put it in the calculator against Square's published figures.
The things a rate comparison will not tell you
- Settlement timing. When the money actually lands changes your working capital, and it is not priced in a percentage.
- What it integrates with. A rate you cannot use because it will not talk to your booking system or your POS is not a saving.
- Support when a terminal dies on a Saturday night. Worth real money in hospitality and almost impossible to compare from a pricing page.
- Your negotiating position. Published rates are list prices. Above roughly $20k a month, several of these providers publish that they will quote you something else.
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.
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.