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Free tools · Australian rates · No signup

Small fees.
Big picture.

What do payments really cost your business? Compare providers using your sales figures, unpack Shopify costs and see when an upgrade starts to make sense.

Compare my monthly costs ↓Choose a calculator →

Six tools. One clearer decision.

Start with a provider or compare the costs.

  1. Start here

    Compare payment fees

    What will payments cost each month?

  2. Payments

    Square fees

    What does each Square payment cost?

  3. Payments

    Stripe fees

    What do I keep after Stripe fees?

  4. Payments

    PayPal fees

    What do I keep after PayPal fees?

  5. Ecommerce

    Shopify costs

    What does my Shopify setup really cost?

  6. Plan decision

    Shopify plan break-even

    When would a Shopify upgrade pay for itself?

The monthly picture

Put your payment costs side by side.

Same sales figures. Clear cost breakdowns.

Your trading figures

Illustrative starting figures. Change them to match a typical month.

Full amount charged, including shipping and any sales GST.
Share of payments from international cards or customers; assume the same average value.
Some sellers who joined before 30 May 2024 retain the legacy rate.
Shopify comparison settings

Calculated in your browser. Your figures are not sent to us or saved.

Your estimated costs · AUD

Australian rates checked 1 October 2026 · estimates, not account quotes.

Enter your figures to see the fee breakdown.

AUD payments and settlement, without currency conversion. Compare the services you need as well as the fees. Shopify includes a store platform; the others are payment services. The in-person comparison excludes PayPal and Shopify because this tool does not include their full POS setup costs.

Know what is included

Transparent maths. Real assumptions.

Monthly processing fees = monthly payments × (average payment × the applicable percentage + the fixed fee). Mixed domestic and international payments use your stated proportion. Monthly costs add platform transaction fees, the plan subscription and any extra costs you enter.

Figures estimate a typical month with the same average payment for every payment type. Providers round individual transactions, so actual statements can differ. Annual subscriptions are displayed as a monthly equivalent and require annual payment.

Scope of this estimate

  • Australian merchant accounts, AUD payments and standard published pricing, or your own entered rate.
  • No refunds, disputes, chargebacks, promotions, negotiated discounts or specialist payment products unless included in your entered rate.
  • Shopify standard cards only. Premium and Amex cards can cost more. Online comparison uses Shopify Payments.
  • PayPal standard commercial payments only; PayPal card products and currency conversion are outside this estimate.
  • Fees and subscriptions retain their published GST treatment. This is a cash-cost estimate before any GST credits, not a tax calculation.
  • It estimates merchant costs; it does not calculate a customer card surcharge.
Pricing sources and last checks

Rates are reviewed presets, not a live pricing feed. Check your account agreement before making a change. Different products, account histories and payment types can have different rates.

  • Square Australia pricingChecked 2026-10-01 · 2.2% online; 1.6% in person. Legacy Reader, Stand and Tap to Pay sellers may pay 1.9%. Hardware excluded.
  • Square Australia international card feesChecked 2026-10-01 · Cards issued outside Australia add 1.5 percentage points to online and in-person base rates.
  • Square Australia processing feesChecked 2026-10-01 · Published Australian card processing rates used without an additional tax multiplier; tax credits are not modelled.
  • Stripe Australia pricingChecked 2026-10-01 · Card fees include GST; currency conversion adds 2%. Optional products and hardware excluded.
  • Stripe October 2026 pricing updateChecked 2026-10-01 · Domestic cards reduce to 1.65% on 1 October 2026. International remains 3.5% until 1 April 2027.
  • PayPal Australia merchant feesChecked 2026-10-01 · Standard PayPal wallet commercial payments: 2.9% domestic, plus 1% international, plus AUD 0.30. Merchant currency conversion margin: 3%.
  • PayPal Australia product disclosure statementChecked 2026-10-01 · Standard wallet example: $100 domestic payment costs $3.20. Direct card products have different rates and are excluded. PDS tax wording differs from its worked fee examples; no multiplier assumed, verify account invoice tax treatment.
  • Shopify Australia pricingChecked 2026-10-01 · AUD subscription and standard card rates. Annual prices are monthly equivalents billed yearly. Amex and promotional plans excluded.
  • Shopify international payment feesChecked 2026-10-01 · Australia currency conversion fee 2%. PayPal Express has no third-party transaction fee when Shopify Payments is active.
  • Shopify third-party transaction feesChecked 2026-10-01 · PayPal Express third-party transaction fees are waived when Shopify Payments is active. Enter any applicable platform billing tax separately.
  • Shopify Payments Australia tax reportingChecked 2026-10-01 · GST is included in Shopify Payments processing fees.
  • Shopify Australia subscription GSTChecked 2026-10-01 · Subscriptions attract 10% GST unless Australian GST registration and an ABN added to Shopify qualify for exemption.
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