Compare

Pay Advantage vs Stripe

Stripe is built for developers selling worldwide. Pay Advantage is built for Australian businesses that collect recurring and invoiced payments — direct debit, PayID and BPAY sit alongside cards in one account, with an Australian team on the phone.

A $1,350 bank payment request in the Pay Advantage app
A $1,000 direct debit from a bank accountWhat it costs you
  • Pay Advantage$0.88
  • Stripe$3.50 $2.62 more than Pay Advantage
Published rates, GST included. Checked 27 October 2026.

Fees compared

Pay Advantage and Stripe fees, side by side.

As published on Stripe’s Australian pricing page on 27 October 2026. Stripe states 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 Stripe fees by payment method
PaymentPay AdvantageStripe
Card payment (domestic)28¢ + 1.45%30¢ + 1.65%$1.02 more than Pay Advantage on a $500 payment
International card28¢ + 3.3%30¢ + 3.5%$1.02 more than Pay Advantage on a $500 payment
Direct debit from a bank account88¢Fixed cost30¢ + 1%, max $3.50$2.62 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 Stripe
FeaturePay AdvantageStripe
Ways to get paid
Visa and MastercardYesYes
American ExpressYesYes
Apple Pay and Google PayYesYes
Bank account debitYesYes
PayIDYesNot listed
PayToYesYes
BPAYYesNot listed
Buy now, pay laterNot offeredYes
Card terminals or Tap to PayComing soonYes
Point-of-sale systemNot offeredYes
International paymentsYesYes
Recurring billing
Recurring payments by cardYesYes
Recurring payments by bank accountYesYes
Recurring payment templatesYesYes
Sign-up page where customers pick their planYesYes
Batch debitingYesNot listed
Automatic retries for failed paymentsYesYes
Digital direct debit agreements with your own termsYesNot listed
Getting paid
Dynamic payment linksYesYes
Payment requests by email and SMSYesEmail only
Payment portal where customers pay by referenceYesSign-in portal
Pay-any-amount page, for donationsYesYes
Built-in invoicingYesYes
Card authorisationsYesYes
Virtual terminal for phone paymentsYesOn request
Automated phone (IVR) paymentsNot offeredVia partners
Your customers
SMS and email remindersYesEmail only
Receipt linksYesYes
Customer notesYesYes
Your branding on the customer portalYesYes
Managing card costs
Surcharge non-card paymentsYesNot listed
Switch off card paymentsYesPer invoice
Discounts for paying without a cardYesNot listed
Tools and integrations
Xero integrationYesYes
Recurring billing from XeroYesYes
QuickBooks or MYOB integrationNot offeredThird-party apps
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

Stripe or Pay Advantage?

Stripe may suit you if…

  • You sell across many countries and currencies and want one platform for all of them.
  • Your developers are building a custom checkout and want the widest set of global tools.

Pay Advantage may suit you if…

  • Most of your revenue is recurring or invoiced, and you want direct debit for a flat fee rather than a percentage.
  • You want customers to pay by PayID or BPAY without adding another provider.
  • You want local, Australian-based support you can call.
FAQs
Pay Advantage vs Stripe, answered
Is Pay Advantage cheaper than Stripe in Australia?

On published rates, Pay Advantage costs less than Stripe for every domestic card 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. Pay Advantage pricing requires a monthly commitment, so check that against your volume.