Compare

Pay Advantage vs Pinch

Pinch charges a percentage on every bank debit, up to $3. Pay Advantage charges a flat fee per bank debit — so a $1,000 payment costs the same as a $10 one — with PayID and BPAY alongside cards in one account.

A Pay Advantage card payment form on a phone
A $1,000 card paymentWhat it costs you
  • Pay Advantage$14.78
  • Pinch$17.30 $2.52 more than Pay Advantage
Published rates, GST included. Checked 31 October 2026.

Fees compared

Pay Advantage and Pinch fees, side by side.

As published on Pinch’s Australian pricing page on 31 October 2026. Pinch's pricing 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.

Pay Advantage and Pinch fees by payment method
PaymentPay AdvantagePinch
Card payment (domestic)28¢ + 1.45%30¢ + 1.7%$1.27 more than Pay Advantage on a $500 payment
International card28¢ + 3.3%Not published
Direct debit from a bank account88¢Fixed cost30¢ + 1%, max $3.00$2.12 more than Pay Advantage on a $500 paymentVariable cost
PayID48¢Not published
BPAY$1.98Not 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

What you get, beyond the fees.

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.

Features offered by Pay Advantage and Pinch
FeaturePay AdvantagePinch
Ways to get paid
Visa and MastercardYesYes
American ExpressYesYes
Apple Pay and Google PayYesNot listed
Bank account debitYesYes
PayIDYesNot listed
PayToYesNot listed
BPAYYesNot listed
Buy now, pay laterNot offeredNot listed
Card terminals or Tap to PayComing soonVia Clover
Point-of-sale systemNot offeredClover reseller
International paymentsYesYes
Recurring billing
Recurring payments by cardYesYes
Recurring payments by bank accountYesYes
Recurring payment templatesYesYes
Sign-up page where customers pick their planYesOne plan per link
Batch debitingYesNot listed
Automatic retries for failed paymentsYesYes
Digital direct debit agreements with your own termsYesYes
Getting paid
Dynamic payment linksYesYes
Payment requests by email and SMSYesYes
Payment portal where customers pay by referenceYesNot listed
Pay-any-amount page, for donationsYesNot listed
Built-in invoicingYesNot listed
Card authorisationsYesNot listed
Virtual terminal for phone paymentsYesVia Pay Now page
Automated phone (IVR) paymentsNot offeredNot listed
Your customers
SMS and email remindersYesNot listed
Receipt linksYesYes
Customer notesYesNot listed
Your branding on the customer portalYesLogo only
Managing card costs
Surcharge non-card paymentsYesNot listed
Switch off card paymentsYesYes
Discounts for paying without a cardYesNot listed
Tools and integrations
Xero integrationYesYes
Recurring billing from XeroYesYes
QuickBooks or MYOB integrationNot offeredYes
CRM integration, such as HubSpotNot offeredYes
Full APIYesYes
WebhooksYesYes
Reporting and payment analysisYesYes
Partner programYesYes

— Not listed on the provider’s website.

Which one fits

Pinch or Pay Advantage?

Pinch may suit you if…

  • You want no monthly commitment — Pinch has no monthly fees or minimums.
  • You bill customers in both Australia and New Zealand.

Pay Advantage may suit you if…

  • Your bank debits are large enough that a flat fee beats a percentage.
  • You take Visa and Mastercard payments and want a lower published card rate.
  • You want customers to pay by PayID or BPAY as well as card and direct debit.
FAQs
Pay Advantage vs Pinch, answered
Is Pay Advantage cheaper than Pinch?

On published rates, Pay Advantage costs less for every Visa and Mastercard payment, and for direct debits from a bank account of $60 or more. The fees table on this page shows the difference on a $500 payment. Pinch has no monthly fees or minimums, while Pay Advantage pricing requires a monthly commitment, so check that against your volume.