Low rates, for in-store and online payments

1.1 %
In-store payments2
1.5 %
Online payments3

Our Single Rate Per Transaction plan offers a low, flat rate for customers who need to take payments for their business in-store or online – with no minimum monthly service fees.

  • No minimum monthly fees, no lock-in plan and includes AMEX at no extra charge1
  • Get same day settlement4 to your linked CommBank Business Transaction Account on all eftpos and credit card sales your business makes, 365 days a year.
  • Get access to all major card schemes, including American Express® and JCB1, Mastercard®, Visa and UnionPay5

Other fees and charges

Fee type
What it's for
Joining fee
Charged to set up your account
Chargeback fee
Charged to cover investigation costs if a customer disputes a transaction
$30 per chargeback

EFTPOS terminals: Terminal non-return fee, upgrade fee and eftpos stationery order charges may also apply.7

In-store payments

Essential Lite

Accept payments instore or on the go with broadband internet or 4G/3G Mobile connectivity options. Accept all cards and contactless payments. User-friendly for fast payments.

Go to Essential Lite


Our standalone EFTPOS terminal with more connectivity options, including dual SIM and Wi-Fi, apps and in-built features to help you take payments quickly, in store or on the go.

Go to Smart

OFFER - $0 terminal rental fee6

Apply by 30 June 2022 to get up and running for the first 6 months when you get started6

Online payments

CommBank Simplify

A simple eCommerce solution to help your small business build a website and take payments securely. Suited for businesses who need a simple online shopping cart.

Go to Simplify

Reach More Customers with American Express Shop Small

Shop Small is back and bigger than ever with an all-new Card Member offer that will encourage customers to spend with local small businesses all year long.

Shop Small, backed by American Express, is a nationwide movement dedicated to supporting thousands of small businesses in Australia.

American Express Card Members can earn 3 extra points for every $1 spent at participating Shop Small businesses – up to 40,000 extra points until 31st March 2022.8

As a CommBank merchant on our Single Rate Per Transaction plan, you may be eligible to participate.  To be part of the Shop Small campaign, eligible merchants9 must welcome American Express and process a transaction on their CommBank terminal by 31st March 2022 at no extra charge through the Single Rate Per Transaction plan.

For eligible merchants, American Express will provide online and in-store promotional signage and supplies to promote your business to American Express Card Members.

Visit americanexpress.com.au/shopsmall to see if you are eligible to participate.

Things you should know

AMEX/JCB is available for eligible customers only.

2 1.1% covers Mastercard®, Visa®, AMEX®/JCB®,  eftpos®, and UnionPay® transactions (additional costs may apply for all other cards).

3 1.5% covers Mastercard®, Visa®, and AMEX®/JCB® transactions (additional costs may apply for all other cards).

Available to eligible customers with a Commonwealth Bank business transaction account and a linked Commonwealth Bank eligible merchant facility. ‘Same Day Settlement’ includes all card sales made before 10pm (AEST). Everyday Settlement applies to EFTPOS payments, which are treated as normal credit/debit transactions (for Commonwealth Bank account holders). 

5  UnionPay is available for eligible customers only.

6 The $0 terminal rental fee is available to eligible customers who apply for and open a new merchant terminal between 25 October 2021 and 30 June 2022, and settle to a CommBank Business Transaction Account on eligible pricing plans. Offer valid until 30 June 2022 and subject to change. The $0 terminal rental fee offer means customers have their terminal rental fees waived for the first 6 months for up to a maximum of 3 terminals, available on Smart, Essential Lite and Essential Plus. The offer is only available at the initial application and can’t be extended to additional terminals after the application has been processed. Offer is not available for group deals (including Alliance Partners) or Bankwest. For more information on our range of EFTPOS products and pricing plans, visit commbank.com.au/merchantterminal

Additional fees and charges including $500 terminal non-return fee if you need to replace a damaged eftpos machine or you don't return your machine once you've finished your plan and eftpos stationery order charged if you order new eftpos rolls and stationery for your machine. You may incur an upgrade fee of $149 per eftpos machine if you choose to upgrade.

8 Eligible American Express Card Members who first save the offer get 3 extra points per $1 spent online or in-store at participating small businesses by 31 March 2022 up to 40,000 extra points. Exclusions, T&Cs apply. Visit americanexpress.com.au/shopsmall for full T&Cs

9 Eligible Merchants must have transacted less than $1.3 million AUD in American Express Card transactions at the individual business, are not operating in industries that are deemed not eligible for Shop Small and are not a large B2B corporate or Global Brand.

MasterCard and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated. American Express is a trademark of American Express. Visa is registered Trademark of Visa in the United States. JCB is a registered trademark of JCB International. Union Pay is a registered trademark of UnionPay International Co., Ltd. Verifone is a registered trademark of VeriFone Inc.

View Terms and Conditions for Business Transaction and Savings Accounts  and our Financial Services Guide and consider them before making any decision about these products. This advice has been prepared without considering your objectives, financial situation or needs. Before acting on the advice, please consider if it’s right for you. Bank fees and charges may apply. Download the Merchant Agreement Terms and Conditions for more information.