Compare payment providers
Published fees from Pay Advantage, Stripe, Ezidebit, Pinch, Square, GoCardless, Zeller and PayPal, side by side and what each one costs on a real payment. Checked against each provider’s own pricing page.
Fees as published on each provider’s Australian pricing page. Where a provider does not list a price for a payment method, we leave it blank rather than guess. Checked 27 October 2026.
Compared on a $500 paymentColoured figures show how much more or less each provider costs than Pay Advantage. Red costs you more, green costs you less.
| Payment | Pay Advantage | Stripe | Ezidebit | Pinch | Square | GoCardless | Zeller | PayPal |
|---|---|---|---|---|---|---|---|---|
| Card payment (domestic) | 28¢ + 1.45% | 30¢ + 1.65%$1.02 more than Pay Advantage on a $500 payment | 30¢ + 1.99%$2.72 more than Pay Advantage on a $500 payment | 30¢ + 1.7%$1.27 more than Pay Advantage on a $500 payment | 2.2%$3.47 more than Pay Advantage on a $500 payment | Not published | 25¢ + 1.75%$1.47 more than Pay Advantage on a $500 payment | 30¢ + 1.5%27¢ more than Pay Advantage on a $500 payment |
| International card | 28¢ + 3.3% | 30¢ + 3.5%$1.02 more than Pay Advantage on a $500 payment | 30¢ + 1.99%$6.53 less than Pay Advantage on a $500 payment | Not published | Not published | Not published | Not published | 30¢ + 3.6%$1.52 more than Pay Advantage on a $500 payment |
| Tap to Pay / in person | Coming soon | Not published | 1.5% | Not published | 1.6% | Not published | 1.4% | Not published |
| Direct debit from a bank account | 88¢Fixed cost | 30¢ + 1%, max $3.50$2.62 more than Pay Advantage on a $500 paymentVariable cost | 99¢11¢ more than Pay Advantage on a $500 paymentFixed cost | 30¢ + 1%, max $3.00$2.12 more than Pay Advantage on a $500 paymentVariable cost | Not published | 40¢ + 1%, max $4.00 + GST$3.52 more than Pay Advantage on a $500 paymentVariable cost | Not published | Not published |
| PayID | 48¢ | Not published | Not published | Not published | Not published | Not published | Not published | Not published |
| BPAY | $1.98 | Not published | 99¢99¢ less than Pay Advantage on a $500 payment | Not published | Not published | Not published | Not published | Not published |
— No published price for this payment.
Pay Advantage fees include GST. A monthly commitment is required to qualify for published pricing, and rates may vary with volume and underwriting.
Features compared
Taken from each provider’s own website, including where they offer more than we do. A tick means the feature is listed there, a short note means it comes with a catch, and a dash means we couldn’t find it — the provider may still offer it.
| Feature | Pay Advantage | Stripe | Ezidebit | Pinch | Square | GoCardless | Zeller | PayPal |
|---|---|---|---|---|---|---|---|---|
| Ways to get paid | ||||||||
| Visa and Mastercard | Yes | Yes | Yes | Yes | Yes | Not listed | Yes | Yes |
| American Express | Yes | Yes | Yes | Yes | Yes | Not listed | Yes | Yes |
| Apple Pay and Google Pay | Yes | Yes | Not listed | Not listed | Yes | Not listed | Not listed | Yes |
| Bank account debit | Yes | Yes | Yes | Yes | Not listed | Yes | Not listed | Not listed |
| PayID | Yes | Not listed | Yes | Not listed | Not listed | Not listed | Account PayID only | Not listed |
| PayTo | Yes | Yes | Pilot | Not listed | Not listed | Early access | Not listed | Not listed |
| BPAY | Yes | Not listed | Yes | Not listed | Not listed | Not listed | Not listed | Not listed |
| Buy now, pay later | Not offered | Yes | Not listed | Not listed | Yes | Not listed | Not listed | Yes |
| Card terminals or Tap to Pay | Coming soon | Yes | Yes | Via Clover | Yes | Not listed | Yes | Not listed |
| Point-of-sale system | Not offered | Yes | Not listed | Clover reseller | Yes | Not listed | Yes | Not listed |
| International payments | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Recurring billing | ||||||||
| Recurring payments by card | Yes | Yes | Yes | Yes | Yes | Not listed | Not listed | Yes |
| Recurring payments by bank account | Yes | Yes | Yes | Yes | Not listed | Yes | Not listed | Not listed |
| Recurring payment templates | Yes | Yes | Yes | Yes | Yes | Yes | Not listed | Yes |
| Sign-up page where customers pick their plan | Yes | Yes | Amount choice only | One plan per link | One plan per link | One plan per link | Not listed | Not listed |
| Batch debiting | Yes | Not listed | Yes | Not listed | Not listed | Yes | Not listed | Not listed |
| Automatic retries for failed payments | Yes | Yes | Yes | Yes | Not listed | Yes | Not listed | Yes |
| Digital direct debit agreements with your own terms | Yes | Not listed | Not listed | Yes | Not listed | Not listed | Not listed | Not listed |
| Getting paid | ||||||||
| Dynamic payment links | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Payment requests by email and SMS | Yes | Email only | Email only | Yes | Yes | Email only | Yes | Yes |
| Payment portal where customers pay by reference | Yes | Sign-in portal | Yes | Not listed | Not listed | Not listed | Not listed | Not listed |
| Pay-any-amount page, for donations | Yes | Yes | Yes | Not listed | Yes | Not listed | Not listed | Yes |
| Built-in invoicing | Yes | Yes | Not listed | Not listed | Yes | Not listed | Yes | Yes |
| Card authorisations | Yes | Yes | Not listed | Not listed | Bar tabs, API | Not listed | Not listed | Yes |
| Virtual terminal for phone payments | Yes | On request | Yes | Via Pay Now page | Yes | Phone mandates only | Yes | Yes |
| Automated phone (IVR) payments | Not offered | Via partners | Yes | Not listed | Not listed | Not listed | Not listed | Not listed |
| Your customers | ||||||||
| SMS and email reminders | Yes | Email only | Yes | Not listed | Email only | Email only | Email only | Email only |
| Receipt links | Yes | Yes | Not listed | Yes | Yes | Not listed | Yes | Yes |
| Customer notes | Yes | Yes | Not listed | Not listed | Yes | References only | Yes | Not listed |
| Your branding on the customer portal | Yes | Yes | Yes | Logo only | Yes | Yes | Invoices only | Logo only |
| Managing card costs | ||||||||
| Surcharge non-card payments | Yes | Not listed | Yes | Not listed | Not listed | Not listed | Not listed | Not listed |
| Switch off card payments | Yes | Per invoice | Account-wide only | Yes | Not listed | Yes | Not listed | Not listed |
| Discounts for paying without a card | Yes | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed |
| Tools and integrations | ||||||||
| Xero integration | Yes | Yes | Third-party app | Yes | Yes | Yes | Yes | Yes |
| Recurring billing from Xero | Yes | Yes | Third-party app | Yes | Not listed | Yes | Not listed | Not listed |
| QuickBooks or MYOB integration | Not offered | Third-party apps | Not listed | Yes | Yes | Yes | Not listed | Yes |
| CRM integration, such as HubSpot | Not offered | Yes | Via partner apps | Yes | Not listed | Yes | Not listed | Not listed |
| Full API | Yes | Yes | Yes | Yes | Yes | Yes | Payments SDK only | Yes |
| Webhooks | Yes | Yes | Not listed | Yes | Yes | Yes | Not listed | Yes |
| Reporting and payment analysis | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Partner program | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
— Not listed on the provider’s website.
It depends on how you get paid. For domestic online card payments of $40 or more and direct debits from a bank account of $60 or more, Pay Advantage has the lowest published fees of the providers compared here. Ezidebit publishes lower fees for BPAY and international cards, and terminal providers such as Zeller, Square and Ezidebit publish in-person card rates for a service Pay Advantage does not offer yet.
We only quote what each provider publishes on its own Australian pricing page. If a payment method is not priced there, the cell is left blank instead of estimating it — the provider may still offer it on request.
Pay Advantage, Stripe and Zeller publish fees including GST. GoCardless publishes fees excluding GST, so we add 10% when working out the differences. Ezidebit, Pinch, Square and PayPal do not say on their pricing pages.
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