Help CentreThe fees charged by pay.com.au will depend on the payment method used to fund payments.
Note: All processing fees quoted exclude GST
Credit card processing fees
Credit card processing fees are Incurred on all credit card transactions. The processing fee percentage varies depending on your selected plan and the type of card you use (Visa, Mastercard, AMEX).
| Free | Regular | Premium | |
| Mastercard | 1.00% | 0.90% | 0.80% |
| VISA | 1.20% | 1.10% | 1.00% |
| AMEX | 2.10% | 2.05% | 1.90% |
Our AMEX pricing is tiered depending on individual transaction amounts. Click below to see a complete breakdown.
AMEX tiered rates
| Free | Regular | Premium | |
| $0 - $99,999 | 2.10% | 2.05% | 1.90% |
| $100,000 - $499,999 | 2.05% | 2.00% | 1.85% |
| $500,000 - $999,999 | 2.00% | 1.95% | 1.80% |
| Over $1,000,000 | 1.95% | 1.90% | 1.75% |
With all credit card payments, you will also have the option to earn PayRewards on-top of the reward points affiliated with the credit card you use. See below PayRewards fees and more information on PayRewards can be viewed here.
Bank account and PayRewards fees
Payments made using a bank account do no incur processig fees, however you will incur a fee to earn PayRewards. PayRewards have two tiers, and you can choose your preferred tier for every transaction.
| PayRewards @ 1 point/$ | PayRewards @ 2points/$ |
| 1.00% | 1.80% |
Subscription plan fees
If you are a new pay.com.au customer, you will have access to our Premium plan free for 30 days, giving you access to our lowest credit card processing fees. After the 30 day free trial, the account will automatically switch to a Free plan. If you upgrade from our free plan to either the Regular or Premium plans, the subscription plan fee is paid quarterly, for continued access to the benefits offered by those plans. See our pricing page for more details.