Australian Dollar (AUD)
Published processing fees and market availability for the Australian Dollar (AUD) across 14 gateways, bank acquirers, and payment rails serving Australia, Kiribati, Nauru, Tuvalu. Always confirm current rates on the provider's official pricing page.
Regional context & bank acquiring rules: Asia-Pacific payments guide · All Oceania currencies
Who serves this currency
All 14 gateways, bank acquirers and wallets serving AUD markets, including providers with published AUD fee schedules (9) and custom/quote-only processors (5).
Card gateways & processors
| Provider & market notes | Fee schedule |
|---|---|
| StripeAustralian cards, verify current rate on Stripe AU pricing. | Published fees |
| SquareOnline transactions, Australia, verify current rate. | Published fees |
| AdyenEnterprise processor (Uber, Spotify, eBay). Interchange++ from roughly 0.6% + fixed per transaction plus scheme fees, custom contract pricing only. | Worldwide |
| Checkout.comEnterprise processor strong in EMEA/LatAm; interchange++ blended rates negotiated per merchant. | Worldwide |
| BraintreeAustralian standard card processing. | Published fees |
| NuveiMontreal-based global processor supporting 680+ local payment methods across North America, Europe, LatAm and APAC. Custom interchange-plus pricing. | Serves this market |
| SumUpRegional availability, ask for a quote. | Serves this market |
| AirwallexAustralian domestic Visa/Mastercard 1.65% + A$0.30; international cards 3.0% + A$0.30. | Published fees |
| HitPayAustralia domestic cards 1.75% + A$0.30; PayID 1.0% + A$0.30. | Published fees |
| Pin PaymentsAustralia domestic Visa/Mastercard 1.75% + A$0.30; international cards 2.9% + A$0.30. | Published fees |
| Windcave (Payment Express)Australian e-commerce & omnichannel card processing. | Published fees |
Wallets & other payment rails
| Provider & market notes | Fee schedule |
|---|---|
| PayPalAustralian domestic commercial checkout. | Published fees |
| GoCardlessBECS bank debit in Australia, capped at A$4. | Published fees |
| Payoneer Profile →Cross-border receiving platform: local receiving accounts, marketplace payouts and client payment requests in 190+ countries. Not a card checkout gateway. See our full Payoneer profile for the fee breakdown. | Worldwide |
Compare gateways for an amount
This comparison only shows fees we can publicly verify (9 of 14 providers serving AUD). Processors and bank acquirers that quote custom or merchant-specific rates are listed under Who serves this currency above.
Enter an amount to compare verified AUD rates.
Disclaimer: Comparisons only include publicly verifiable standard rates as of November 6, 2026 and exclude custom-quoted gateways, bank MIDs, monthly plan fees and local taxes unless noted. See all 14 providers serving AUD.
Card gateway fees
Fee tables only show rates we can publicly verify from official provider schedules (5 additional providers serve AUD with custom or quote-only pricing—see all 14 providers above). We never invent figures for custom-quoted processors or bank acquirers. Figures are for comparison only; always confirm your exact rate on the provider's site.
| Provider | Local rate | Fixed fee | Fee cap | Intl. cards |
|---|---|---|---|---|
| StripeAustralian cards, verify current rate on Stripe AU pricing. | 1.75%+1.15% international cards | A$0.30 | n/a | +1.15% |
| SquareOnline transactions, Australia, verify current rate. | 2.9%+1% international cards | A$0.30 | n/a | +1% |
| BraintreeAustralian standard card processing. | 1.75%+1% international cards | A$0.30 | n/a | +1% |
| AirwallexAustralian domestic Visa/Mastercard 1.65% + A$0.30; international cards 3.0% + A$0.30. | 1.65%+1.35% international cards | A$0.30 | n/a | +1.35% |
| HitPayAustralia domestic cards 1.75% + A$0.30; PayID 1.0% + A$0.30. | 1.75%+1.15% international cards | A$0.30 | n/a | +1.15% |
| Pin PaymentsAustralia domestic Visa/Mastercard 1.75% + A$0.30; international cards 2.9% + A$0.30. | 1.75%+1.15% international cards | A$0.30 | n/a | +1.15% |
| Windcave (Payment Express)Australian e-commerce & omnichannel card processing. | 1.75% | A$0.30 | n/a | Same rate |
Compare two AUD card gateways side by side
Wallets & other payment rails (published rates)
Publicly verifiable merchant rates for mobile money, digital wallets and account-to-account rails in AUD.
| Provider | Local rate | Fixed fee | Fee cap | Intl. cards |
|---|---|---|---|---|
| PayPalAustralian domestic commercial checkout. | 2.6%+1% international cards | A$0.30 | n/a | +1% |
| GoCardlessBECS bank debit in Australia, capped at A$4. | 1% | A$0.40 | A$4.00 | Same rate |
Monthly, plan & setup fees (AUD)
10 of 14 offer $0/mo base plans% + fixed fee) and are not included in calculator estimates above. Always verify current plan tiers on the provider's official pricing page.
Card gateways & bank acquirers — Monthly & setup fees
| Provider & plan notes | Plan structure | Base monthly fee | Setup fee |
|---|---|---|---|
| StripeStandard pay-as-you-go; Stripe Billing / Radar / custom packages optional | No monthly fee | $0/mo | $0 |
| SquareSquare Plus: US$29/mo (locks in 2.9% + $0.30 online in US vs 3.3% + $0.30 on Free plan) | $0/mo + tiers | $0/mo (Free plan) | $0 |
| AdyenNo fixed monthly fee, but enterprise minimum monthly invoice typically applies | Bank MID / custom | $0/mo (min. volume applies) | $0 |
| Checkout.comNegotiated interchange++ schedule for high-volume merchants | Bank MID / custom | Custom enterprise contract | Custom |
| BraintreeStandard pay-as-you-go merchant account; custom enterprise pricing at scale | No monthly fee | $0/mo | $0 |
| NuveiVaries by region & acquiring package | Bank MID / custom | Custom / quote | Custom |
| SumUpPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| AirwallexPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| HitPayPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| Pin PaymentsPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| Windcave (Payment Express)Starter e-commerce gateway plan (includes base monthly volume allowance) | Monthly plan | ~A$35 / NZ$35/mo | $0 |
Wallets & other payment rails — Monthly & setup fees
| Provider & plan notes | Plan structure | Base monthly fee | Setup fee |
|---|---|---|---|
| PayPalStandard Checkout $0/mo; Advanced / Pro virtual terminal ~$30/mo in US/CA/UK | $0/mo + tiers | $0/mo | $0 |
| GoCardlessAdvanced / Pro plans (£50–£200/mo) add custom branding & automated retry logic | $0/mo + tiers | $0 / £0 / €0/mo (Standard) | $0 |
| Payoneer Profile →Free to hold and receive; $29.95 annual fee applies to inactive accounts in some countries | $0/mo + tiers | $0/mo | $0 |
Australian Dollar (AUD) payment gateway FAQs
Which payment gateways and processors serve Australia, Kiribati, Nauru and 1 more (AUD)?
Sympli5 tracks 14 payment gateways, bank acquirers, and payment rails serving Australia, Kiribati, Nauru, Tuvalu (Australian Dollar, AUD), including Stripe, PayPal, Square, Adyen, Checkout.com, Braintree and 8 others. Of these, 9 publish verifiable standard AUD per-transaction schedules and 5 operate on custom, quote-only, or bank Merchant ID (MID) pricing.
What are the lowest published payment processing fees in Australian Dollar (AUD)?
Among the 9 providers with publicly verified AUD schedules, the lowest headline variable rate starts at 1% + A$0.40 (capped at A$4.00) via GoCardless. Your lowest effective cost depends on your average order value, card mix, and whether a fee cap applies—use the interactive AUD calculator on this page to compare exact net payouts.
Do AUD payment gateways charge monthly or setup fees?
Of the 14 providers serving AUD markets, 10 offer a $0/month base pay-as-you-go plan with $0 setup fees. The remaining 4 providers either require a monthly gateway plan or operate through a bank Merchant ID (MID) with bank-quoted monthly maintenance and setup fees. Monthly and setup costs are charged separately from per-transaction processing rates.
What does the international card surcharge mean for AUD transactions?
An international (foreign-issued) card fee applies when a customer pays your business in AUD using a Visa, Mastercard, or Amex issued by a bank outside your local merchant country—such as a foreign tourist or overseas buyer. In AUD, providers like Stripe (+1.15%), PayPal (+1%), Square (+1%) add an explicit cross-border card surcharge on top of their domestic rate.