Compare
PayPal is a checkout shoppers already know. Pay Advantage is a payments platform for Australian businesses — cards at a lower published rate, plus direct debit, PayID and BPAY for customers who would rather pay from their bank.
Fees compared
As published on PayPal’s Australian pricing page on 27 October 2026. PayPal's fee page does not say whether its fees include GST.
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 | PayPal |
|---|---|---|
| Card payment (domestic) | 28¢ + 1.45% | 30¢ + 1.5%27¢ more than Pay Advantage on a $500 payment |
| International card | 28¢ + 3.3% | 30¢ + 3.6%$1.52 more than Pay Advantage on a $500 payment |
| Direct debit from a bank account | 88¢Fixed cost | Not published |
| PayID | 48¢ | Not published |
| BPAY | $1.98 | 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 | PayPal |
|---|---|---|
| Ways to get paid | ||
| Visa and Mastercard | Yes | Yes |
| American Express | Yes | Yes |
| Apple Pay and Google Pay | Yes | Yes |
| Bank account debit | Yes | Not listed |
| PayID | Yes | Not listed |
| PayTo | Yes | Not listed |
| BPAY | Yes | Not listed |
| Buy now, pay later | Not offered | Yes |
| Card terminals or Tap to Pay | Coming soon | Not listed |
| 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 | Not listed |
| Recurring payment templates | Yes | Yes |
| Sign-up page where customers pick their plan | Yes | Not listed |
| Batch debiting | Yes | Not listed |
| 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 | Yes |
| Payment portal where customers pay by reference | Yes | Not listed |
| Pay-any-amount page, for donations | Yes | Yes |
| Built-in invoicing | Yes | Yes |
| Card authorisations | Yes | Yes |
| Virtual terminal for phone payments | Yes | Yes |
| Automated phone (IVR) payments | Not offered | Not listed |
| Your customers | ||
| SMS and email reminders | Yes | Email only |
| Receipt links | Yes | Yes |
| Customer notes | Yes | Not listed |
| Your branding on the customer portal | Yes | Logo only |
| Managing card costs | ||
| Surcharge non-card payments | Yes | Not listed |
| Switch off card payments | Yes | Not listed |
| Discounts for paying without a card | Yes | Not listed |
| Tools and integrations | ||
| Xero integration | Yes | Yes |
| Recurring billing from Xero | Yes | Not listed |
| QuickBooks or MYOB integration | Not offered | Yes |
| CRM integration, such as HubSpot | Not offered | Not listed |
| Full API | Yes | Yes |
| Webhooks | Yes | Yes |
| Reporting and payment analysis | Yes | Yes |
| Partner program | Yes | Yes |
— Not listed on the provider’s website.
Which one fits
On published rates, yes — both against PayPal checkout and against PayPal’s direct card processing. The fees table on this page shows the difference on a $500 payment. Pay Advantage pricing requires a monthly commitment.
Yes. Some businesses keep a PayPal button for shoppers who want it and use Pay Advantage for cards, direct debit, invoices, PayID and BPAY.
Yes. Pay Advantage has a WooCommerce integration for taking card payments in your online store.
Sources: PayPal pricing. Checked 27 October 2026.
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