Payment costs, compared

Find the cheapest way to get paid.

Cards, PayID, direct debit and BPAY all cost something different — and the difference grows with every dollar. Here is what each one costs on a real payment, and when to use it.

A $1,350 bank payment request in the Pay Advantage app
A $5,000 paymentWhat it costs you, by payment method
  • PayID$0.48
  • Direct debit from a bank account$0.88 40¢ more than PayID
  • BPAY$1.98 $1.50 more than PayID
  • Card payment (domestic)$72.78 $72.30 more than PayID
Pay Advantage fees, GST included. PayID after your first 100 free each month.

What each payment costs

Flat fees win on bigger payments.

Card fees are a percentage, so a larger payment costs you more. PayID, direct debit and BPAY cost the same whatever the amount.

Pay Advantage fee for each payment method, and what it costs on $50, $500 and $5,000 payments
Payment methodFeeOn $50On $500On $5,000
PayID48¢First 100 each month free$0.48$0.48$0.48
Direct debit from a bank account88¢$0.8840¢ more than PayID$0.8840¢ more than PayID$0.8840¢ more than PayID
BPAY$1.98$1.98$1.50 more than PayID$1.98$1.50 more than PayID$1.98$1.50 more than PayID
Card payment (domestic)28¢ + 1.45%$1.0153¢ more than PayID$7.53$7.05 more than PayID$72.78$72.30 more than PayID
Direct debit from a card (domestic)88¢ + 1.45%$1.61$1.13 more than PayID$8.13$7.65 more than PayID$73.38$72.90 more than PayID
Card payment (international)28¢ + 3.3%$1.93$1.45 more than PayID$16.78$16.30 more than PayID$165.28$164.80 more than PayID

Pay Advantage published fees, GST included. A monthly commitment is required to qualify for published pricing. PayTo is not on our public price list — ask our team for a quote.

How each method works

Pick the method that fits the payment.

Who starts the payment, how fast you know it worked, and when the money reaches your account.

How PayID, PayTo, direct debit, BPAY and cards work, and when the money arrives
Payment methodWho starts itConfirmedMoney in your accountBest for
PayIDYour customer, from their banking appReal timeNext business dayInvoices, one-off and high-value payments
PayToYou request it; your customer approves it in their banking appApproval in real timeNext business dayRecurring and subscription billing
Direct debitYou, on a schedule your customer has authorisedOn the debit dateBank debits 1–3 business days; card debits next business dayMemberships, subscriptions and payment plans
BPAYYour customer, using your biller codeWhen the payment clearsCleared by the next business dayInvoices and regular bills
Credit and debit cardsYour customer, at checkout or by payment linkAuthorised in real timeNext business dayOnline checkout and one-off sales
FAQs
Payment costs, answered
What is the cheapest way to accept payments in Australia?

For most businesses, a flat-fee bank payment. On Pay Advantage a PayID payment costs 48¢ after your first 100 free each month, and a direct debit from a bank account costs 88¢, whatever the amount. A domestic card payment costs 28¢ + 1.45%, so on a $500 payment the card fee is $7.53 against 88¢ by direct debit.