Discount pricing
Surcharges are out, so flip them around. Build the card fee into your price, then give customers money off when they pay by PayID, PayTo or direct debit. Card payers pay the listed price. Everyone else pays less and you keep the same profit.
Start offering discountsDiscounts from 0% to 10%, applied automatically at checkout.
How would you like to pay?
Surcharging, in reverse
A surcharge adds the card fee on top for people who pay by card. Discount pricing turns that around: the card fee is already in your price, and people who pay a cheaper way get money off. Same result for you, but your customers see a saving, not a penalty.
Adds a fee on top
Banned on Visa, Mastercard and eftpos since 1 October 2026
Takes money off
Nobody pays more than your price
Card payers cover their own card fee. Everyone who pays the cheaper way saves $10.15 and you keep at least $1,000.00 whichever they choose.
| Customer pays by | They pay | Our fee | You keep |
|---|---|---|---|
| Card | $1,015.00 | $15.00 | $1,000.00 |
| PayID | $1,004.85 | $0.48 | $1,004.37 |
| PayTo | $1,004.85 | $1.98 | $1,002.87 |
| Direct debit | $1,004.85 | $0.88 | $1,003.97 |
Our published fees, GST included. PayID shown at 48¢, the fee after your first 100 free each month. The example uses a 1% discount. You can set anywhere from 0% to 10%.
Discount settings
Your checkout shows customers what they'll save before they choose, and your own message nudges them the rest of the way. Set it up in Settings › Payment Settings › Reduce Fees.
Anywhere from 0% to 10%.
Discount apply to PayID, PayTo or Bank Account transactions.
Tell customers how you’d like to be paid, in your own words, right on the checkout.
A separate setting: card limits
Switch cards off and take bank payments only. Or keep cards for small payments and set a maximum, so your biggest invoices get paid by PayID, PayTo or direct debit instead.
Take bank payments only, if card fees aren't worth it for you.
Card fees grow with the payment. Above your limit, cards drop off the checkout.
Try it: switch cards off or change the limit
Cards offered on payments up to $500
Discount pricing means building the cost of card payments into your price and giving customers a discount when they pay a lower-cost way, such as PayID, PayTo or direct debit. It is the reverse of a surcharge: nobody pays more than your listed price.
Instead of adding a surcharge when someone pays by card, you set a price that already covers the card fee and give a discount to customers who pay by PayID, PayTo or direct debit. On Pay Advantage you choose the discount, from 0% to 10%, and it is applied automatically at checkout.
No. A surcharge adds a fee on top of your price for paying by card. A discount takes money off your price for paying another way. Card payers simply pay your listed price, and nobody pays more than it.
No. You can keep your prices as they are and offer a discount to steer customers to cheaper methods. Building the card fee into your price is what lets you discount without giving up margin, but how you price is up to you.
PayID, PayTo and direct debit. You can discount all three or switch each one on separately. Card and BPAY payments cannot be discounted.
Each discounted method shows a "Save $X.XX" message at checkout, so customers see the saving before they choose. When they pick a discounted method, the discount comes off the total automatically. There is nothing for them to enter.
Yes. You can set a maximum amount for card payments or switch cards off entirely, in Settings › Payment Settings › Payment Methods. With a $500 limit, for example, cards are not offered on anything over $500 and customers pay with one of your other methods. The setting applies to your Payment Portal pages, Xero invoices and direct debit change-account links.
Go to Settings › Payment Settings › Reduce Fees in your Pay Advantage account. Set your discount percentage e.g. 1% and choose which methods it applies to. You can also add your own message to highlight the method you would rather be paid with.
Not for Australian card payments. On-charging card fees is banned by the RBA for Australian merchants. You can still on-charge PayID and PayTo fees. However, discount pricing is the best way to recover card costs without adding anything on top of your price.
Set your discount in minutes and let your customers choose how they save.