Your fee depends on how you fund your payments. Here's a full breakdown.
Credit card processing fees
Credit card processing fees apply to all credit card transactions. The rate varies by card type and your subscription plan.
| Card type | Free | Regular | Premium |
|---|---|---|---|
| Mastercard | 1.00% | 0.90% | 0.80% |
| Visa | 1.20% | 1.10% | 1.00% |
| AMEX | 2.10% | 2.05% | 1.90% |
AMEX rates are tiered based on your total transaction volume. The more you move, the less you pay.
AMEX tiered rates
| 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 fees
Paying by bank account? No processing fee. If you want to earn PayRewards Points on that transaction, a small fee applies — choose your tier at checkout.
| PayRewards tier | Fee (excl. GST) |
|---|---|
| 1 point per $1 | 1.00% |
| 2 points per $1 | 1.80% |
You choose your preferred tier on every transaction — no lock-in, full flex.
Subscription plan fees
New to pay.com.au? You get 30 days on our Premium plan, free — that means our lowest credit card rates from day one. After 30 days, you'll move to the Free plan automatically.
Upgrade to Regular or Premium any time for ongoing access to lower rates. Subscription fees are charged quarterly.