Compare
Ezidebit is the direct debit engine inside a lot of gym, childcare and club software. Pay Advantage gives any Australian business direct debit for a flat fee, a lower published card rate, and PayID and BPAY in the same account.
Fees compared
As published on Ezidebit’s Australian pricing page on 31 October 2026. Ezidebit's pricing page does not say whether its fees include GST. Its published rates are for businesses using EziOnline without a software integration.
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 | Ezidebit |
|---|---|---|
| Card payment (domestic) | 28¢ + 1.45% | 30¢ + 1.99%$2.72 more than Pay Advantage on a $500 payment |
| International card | 28¢ + 3.3% | 30¢ + 1.99%$6.53 less than Pay Advantage on a $500 payment |
| Tap to Pay / in person | Coming soon | 1.5% |
| Direct debit from a bank account | 88¢Fixed cost | 99¢11¢ more than Pay Advantage on a $500 paymentFixed cost |
| PayID | 48¢ | Not published |
| BPAY | $1.98 | 99¢99¢ less than Pay Advantage on a $500 payment |
— 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 | Ezidebit |
|---|---|---|
| Ways to get paid | ||
| Visa and Mastercard | Yes | Yes |
| American Express | Yes | Yes |
| Apple Pay and Google Pay | Yes | Not listed |
| Bank account debit | Yes | Yes |
| PayID | Yes | Yes |
| PayTo | Yes | Pilot |
| BPAY | Yes | Yes |
| Buy now, pay later | Not offered | Not listed |
| Card terminals or Tap to Pay | Coming soon | Yes |
| Point-of-sale system | Not offered | Not listed |
| International payments | Yes | Yes |
| Recurring billing | ||
| Recurring payments by card | Yes | Yes |
| Recurring payments by bank account | Yes | Yes |
| Recurring payment templates | Yes | Yes |
| Sign-up page where customers pick their plan | Yes | Amount choice only |
| Batch debiting | Yes | Yes |
| Automatic retries for failed payments | Yes | Yes |
| Digital direct debit agreements with your own terms | Yes | Not listed |
| Getting paid | ||
| Dynamic payment links | Yes | Yes |
| Payment requests by email and SMS | Yes | Email only |
| Payment portal where customers pay by reference | Yes | Yes |
| Pay-any-amount page, for donations | Yes | Yes |
| Built-in invoicing | Yes | Not listed |
| Card authorisations | Yes | Not listed |
| Virtual terminal for phone payments | Yes | Yes |
| Automated phone (IVR) payments | Not offered | Yes |
| Your customers | ||
| SMS and email reminders | Yes | Yes |
| Receipt links | Yes | Not listed |
| Customer notes | Yes | Not listed |
| Your branding on the customer portal | Yes | Yes |
| Managing card costs | ||
| Surcharge non-card payments | Yes | Yes |
| Switch off card payments | Yes | Account-wide only |
| Discounts for paying without a card | Yes | Not listed |
| Tools and integrations | ||
| Xero integration | Yes | Third-party app |
| Recurring billing from Xero | Yes | Third-party app |
| QuickBooks or MYOB integration | Not offered | Not listed |
| CRM integration, such as HubSpot | Not offered | Via partner apps |
| Full API | Yes | Yes |
| Webhooks | Yes | Not listed |
| Reporting and payment analysis | Yes | Yes |
| Partner program | Yes | Yes |
— Not listed on the provider’s website.
Which one fits
It depends on how you get paid. On published rates, Pay Advantage costs less for domestic card payments and for direct debit from a bank account. Ezidebit publishes lower fees for BPAY and for international cards. The fees table on this page shows the difference on a $500 payment. Ezidebit’s published rates are for EziOnline without a software integration, and Pay Advantage pricing requires a monthly commitment.
Ezidebit’s pricing page lists a $2.20 one-off portal setup fee per customer for direct debit, on top of the 99¢ per bank debit. Pay Advantage’s published direct debit pricing is a flat fee per payment, with no setup or joining fees.
Not today. Tap to Pay on iPhone and Android is in early access. Ezidebit rents EFTPOS terminals, so if you need a counter terminal from the same provider as your direct debits, it may suit you better.
Sources: Ezidebit pricing. Checked 31 October 2026.
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