Card fees · Australia
Tyro fees in Australia
Tyro is a bank rather than a payments app, and it prices like one: a monthly line for the terminal, and a transaction rate that does not move. Of the four providers costed on this site it is the only one with a monthly fee at all, and the only one that charges you the same whether the card is tapped at the counter, sent a payment link, or keyed in. Its published schedule is below, observed 4 October 2026.
Tyro's published Australian rates
incl. GST
| Payment type | Published rate | What it covers |
|---|---|---|
| In person (card present) | 1.3% | Published transaction fee across Pro Touch, Pro Key, Pro Lite and the Tyro BYO app (Tap to Pay on your phone). Down from the 1.4% published in August 2026. |
| Online | 1.4% | Payment Links, including GST, for domestic and international Visa and Mastercard, and for Amex OptBlue merchants. |
| Manually keyed / card on file | 1.4% | Payment Links, including GST. |
| International cards | Not separately published | No distinct international rate appears on the published pricing we checked. The calculator applies this provider's domestic rate to international volume, so the real cost could be higher. |
Tyro states the 1.4% Payment Links rate is inclusive of GST. The 1.3% terminal rate is published without a GST statement beside it.
Monthly and fixed costs
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.
- Tyro Pro (Pro Touch / Pro Key): $29/month
- Tyro Pro Lite: $19/month
- Tyro BYO app (Tap to Pay on your phone): $0/month
Other published charges
| Charge | Published amount |
|---|---|
| Joining / cancellation | Tyro states zero joining fee and no cancellation or break fees |
| Introductory offer | Tyro advertises a 1% transaction fee for new terminal customers until 31 March 2027, terms and conditions apply; not modelled here |
| Amex Classic merchants | If you hold a direct American Express (Classic) agreement with your own negotiated rates, Tyro states it charges a 0.1% switch fee (excluding GST) instead of the 1.4% OptBlue rate, and Amex bills you directly under your own agreement |
Negotiating. Tyro states businesses transacting $20k+ per month can request a custom quote on their transaction fee.
Where these numbers come from
Tyro: EFTPOS machine costs and merchant fees (observed 2026-09-15)
Three plans, one rate: what the monthly fee actually buys
Tyro publishes three monthly figures and one transaction rate. Put them in the same table and the structure becomes obvious: the plan you choose does not change what a payment costs you.
| Plan | Monthly | Over a year | Transaction rate |
|---|---|---|---|
| Tyro Pro (Pro Touch / Pro Key) | $29/month | $348 | 1.3% |
| Tyro Pro Lite | $19/month | $228 | 1.3% |
| Tyro BYO app (Tap to Pay on your phone) | $0/month | $0 | 1.3% |
Read the right-hand column twice. On Tyro's published rates the plan buys you hardware and the capability that comes with it (a countertop terminal, a lighter one, or your own phone) and it does not buy you a better rate. The gap between the dearest plan, Tyro Pro (Pro Touch / Pro Key), and the cheapest, Tyro BYO app (Tap to Pay on your phone), is $348 a year on published pricing, for the same 1.3% on every transaction.
Choose the plan for the hardware you need. A busy pub has good reasons to want a countertop terminal, and a phone is a different tool. Know which of the two you are paying for, because on this schedule the monthly fee is a hardware decision priced as a subscription and it buys no lower rate.
Leaving, Amex, and the one published negotiating threshold
- It publishes what it costs to leave. Tyro states a zero joining fee and no cancellation or break fees. That is worth naming because the exit half is the rare one: the schedules this site checked for the other three say nothing about cancellation or break fees, and an unpublished exit cost is the kind of thing you discover at the point you want to go. A monthly fee with no lock-in is a materially different commitment to a monthly fee with one, and only one of those is what Tyro describes.
- If you hold your own Amex agreement, the maths changes completely. Tyro states that a merchant with a direct American Express (Classic) agreement and their own negotiated rates is charged a 0.1% switch fee instead of the 1.3% OptBlue rate, with Amex billing them directly. Note the basis: Tyro states its 1.3% including GST and that switch fee excluding GST, so the two figures in its own schedule are not quoted on the same footing. Neither this site's tables nor its calculator model a direct Amex agreement.
- It is the only one that tells you when to ask for a better rate. Tyro states businesses transacting $20k+ per month can request a custom quote on their transaction fee. Every provider here will negotiate with somebody; Tyro is alone in publishing the figure at which the conversation is expected to start, which at least tells you whether you are in range before you pick up the phone.
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.
This page is the detail. The comparison lives elsewhere
Everything above is Tyro on its own terms: what Tyro publishes, what it charges for, and the conditions attached. That is deliberately a one-provider view. A rate on its own tells you very little. What matters is what it comes to across a year of your turnover, at your average ticket, on your mix of in-person and online. Three other pages do that arithmetic.
- What card fees cost a venue, salon or clinic: the hub, where Tyro is costed against every other provider over a year, in three trades. Start there if you have not settled on a provider yet.
- Square vs Zeller vs Tyro vs Stripe, head to head: the four published rate cards in one table, then the annual total across six turnover and ticket combinations.
- Run your own numbers: the same engine, on your turnover instead of a worked example.
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.