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Free tools · Australian rates

Payment fee calculators

Since 1 October, most businesses can’t add a card surcharge, so every payment fee comes out of your margin. See what Square, Stripe, PayPal and Shopify would cost at your sale size and volume.

Compare all four providers

Six calculators Rates checked 1 October 2026 Your figures stay in your browser

A shop owner tapping an oversized desk calculator whose display reads FEES.

Pick a calculator

  1. Start here

    Compare payment fees

    Which provider costs you least each month?

    Square, Stripe, PayPal and Shopify
  2. Payments

    Square fee calculator

    What does each Square payment cost?

    1.6% in person, 2.2% online
  3. Payments

    Stripe fee calculator

    What do you keep after Stripe fees?

    1.65% + 30c online
  4. Payments

    PayPal fee calculator

    What do you keep after PayPal fees?

    2.9% + 30c domestic
  5. Ecommerce

    Shopify cost calculator

    What does your Shopify store really cost?

    from $56 a month + fees
  6. Plan decision

    Shopify plan calculator

    When does a Shopify upgrade pay for itself?

    Basic, Grow or Advanced

Standard rates at a glance

Published fees for a domestic card payment, checked 1 October 2026. Your own account may differ.

ProviderOnlineIn personOverseas cardsMonthly fee
Square2.2%1.6% (1.9% older accounts)+1.5 pointsNone on the Free plan
Stripe1.65% + 30c1.65% + 10c3.5% + 30cNone
PayPal2.9% + 30cNot compared3.9% + 30cNone
Shopify Basic1.7% + 30c1.85%3.5% + 30c$56 + GST

Common questions

Why do payment fees matter more from 1 October 2026?

Since 1 October, card network rules stop Australian businesses adding a surcharge for eftpos, Mastercard, Visa, American Express or UnionPay cards, and PayPal follows on 5 October. Whatever your provider charges now comes out of your margin, or has to be built into your prices.

How accurate are these calculators?

They use each provider’s standard published Australian rates and treat every payment as your average sale. Real statements round each payment and can include negotiated rates, refunds or premium cards, so expect small differences. If you know your actual rate, enter it under “Your own rate and other costs”.

Where do the rates come from?

We read each provider’s own Australian pricing pages and help articles, and checked them on 1 October 2026. Every calculator lists its sources and the date we checked them.

Do you earn anything if I choose one of these providers?

No. There are no affiliate or paid links on these pages.

Where the rates come from 12 sources

We read each provider’s own Australian pricing pages and checked them on the date shown. They are standard published rates, not a live feed, so check your own agreement before you switch.

  1. Square Australia pricing Checked 1 October 2026. 2.2% online; 1.6% in person. Legacy Reader, Stand and Tap to Pay sellers may pay 1.9%. Hardware excluded.
  2. Square Australia international card fees Checked 1 October 2026. Cards issued outside Australia add 1.5 percentage points to online and in-person base rates.
  3. Square Australia processing fees Checked 1 October 2026. Published Australian card processing rates used without an additional tax multiplier; tax credits are not modelled.
  4. Stripe Australia pricing Checked 1 October 2026. Card fees include GST; currency conversion adds 2%. Optional products and hardware excluded.
  5. Stripe October 2026 pricing update Checked 1 October 2026. Domestic cards reduce to 1.65% on 1 October 2026. International remains 3.5% until 1 April 2027.
  6. PayPal Australia merchant fees Checked 1 October 2026. Standard PayPal wallet commercial payments: 2.9% domestic, plus 1% international, plus AUD 0.30. Merchant currency conversion margin: 3%.
  7. PayPal Australia product disclosure statement Checked 1 October 2026. 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.
  8. Shopify Australia pricing Checked 1 October 2026. AUD subscription and standard card rates. Annual prices are monthly equivalents billed yearly. Amex and promotional plans excluded.
  9. Shopify international payment fees Checked 1 October 2026. Australia currency conversion fee 2%. PayPal Express has no third-party transaction fee when Shopify Payments is active.
  10. Shopify third-party transaction fees Checked 1 October 2026. PayPal Express third-party transaction fees are waived when Shopify Payments is active. Enter any applicable platform billing tax separately.
  11. Shopify Payments Australia tax reporting Checked 1 October 2026. GST is included in Shopify Payments processing fees.
  12. Shopify Australia subscription GST Checked 1 October 2026. Subscriptions attract 10% GST unless Australian GST registration and an ABN added to Shopify qualify for exemption.
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