Card fees · EFTPOS
EFTPOS fees in Australia, and what the machine costs you a year
EFTPOS costs you twice: a rate on every tap and a fixed cost for the machine. The rate gets all the attention. Across a year, the machine and the routing often matter just as much. Published card-present rates and terminal fees from Zeller, Tyro, Square and Stripe are below, observed 4 October 2026.
Published card-present rates
Excludes one-off hardware cost, which varies by model and by deal. See each provider's own page for how their terminal is priced.
Every rate above, and where it comes from
- Zeller: Zeller: Pricing (observed 4 October 2026)
- Tyro: Tyro: EFTPOS machine costs and merchant fees (observed 15 September 2026)
- Square: Square Support Centre (AU): Learn about Square fees (observed 4 October 2026)
- Stripe: Stripe: Pricing (Australia) (observed 4 October 2026)
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.
The two numbers that decide it
Your card-present rate times your annual in-person turnover, plus twelve months of terminal and plan fees. At small turnover the fixed fees dominate; at large turnover the rate does. That crossover is why two businesses on the same provider can swear opposite things about it, and both be right.
What the machine costs before a single card is tapped
A monthly fee is the one card cost that does not care whether you trade. Multiply it by twelve and it stops looking like a small line on a statement and starts looking like what it is: a fixed annual cost you carry before any turnover exists to spread it across.
| Provider | Published monthly fee | Over a year | What the fee covers |
|---|---|---|---|
| Zeller | $0/mo | $0 | Zeller states there are no monthly EFTPOS terminal rental fees and no monthly subscription fee. The terminal is purchased outright, so the hardware is a one-off cost rather than a monthly one. |
| Tyro | $29/mo | $348 | Tyro publishes $29/month for Tyro Pro (Pro Touch and Pro Key), $19/month for Tyro Pro Lite, and no monthly terminal rental for the Tyro BYO app (Tap to Pay on your phone). The calculator defaults to $29. Change the monthly fee field if you are on Pro Lite or the BYO app. |
| Square | $0/mo | $0 | Square's free plan carries no monthly software fee; paid plans and add-ons are extra and are not modelled here. |
| Stripe | $0/mo | $0 | Stripe's standard pay-as-you-go pricing has no monthly fee and no setup fee. |
One of those rows is not a single number. Tyro publishes three monthly figures depending on which terminal you take, which over a year is the difference between $0 and $348 of fixed cost on the same published transaction rate. When somebody quotes you “the Tyro price”, ask which of the three they mean.
Least-cost routing is worth asking about
Tap payments from dual-network debit cards can route through eftpos instead of the international schemes, and the eftpos path is usually the cheaper one. How it is configured varies by provider and by plan, and we make no claim about the default on any particular provider. Ask whether it's on for your terminal. It's one phone call, and it compounds every day you trade.
There is no card surcharging in Australia from 1 October 2026. Whatever a surcharge has been recovering for you has to come from your prices or your margin from that date.
Related pages
Per provider: Zeller · Tyro · Square · Stripe. Your numbers: Calculator. All guides: Card fees hub.
Once you know the number, the next question is what you do about it
Card fees are one line of the software-and-payments bill. The booking platform is the other, and that's the line we can move: BookMyVenue takes no commission on any booking from any source, charges no per-booking fee, and publishes every price on one page, GST noted. If a platform is clipping your transactions, compare that against a flat bill.