Platform Fee
A platform fee applies for the payment processing service provided. The platform fee varies according to your subscription level.
| Card type | Free | Regular | Premium |
|---|---|---|---|
| Visa and Mastercard | 1.20% | 1.10% | 1.00% |
| AMEX | 2.10% | 2.05% | 1.90% |
AMEX platform fees are tiered based on your total transaction volume. The more you move, the less you pay.
AMEX tiered platform fees
| Transaction volume | 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% |
Stack your rewards
Pay by credit card and you can earn PayRewards Points on top of whatever your card already earns you. Two reward streams, one payment.
Bank account and PayRewards Package Fee
Paying by bank account? You can opt-in to earn PayRewards Points on that transaction, a small package fee applies — choose your tier for each payment.
| PayRewards Package | Fee (excl. GST) |
|---|---|
| Core package: 1 point per $1 | 1.00% |
| Plus package: 2 points per $1 | 1.80% |
| Ultra Package: 3 points per $1** | 2.70% |
Note: **The Ultra Package is exclusively available to paid Regular and Premium subscribers.
You choose your preferred package on every transaction — no lock-in, full flex.
Subscription plan fees
New to pay.com.au? You get 90 days on our Premium plan, free — that means our lowest platform fees from day one. After 90 days, you'll move to the Free plan automatically.
Upgrade to Regular or Premium any time for ongoing access to lower platform fees and exclusive access to the Ultra PayRewards Package. Note: Subscription fees are charged quarterly.