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


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 31 December 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

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.

    The $0 terminal rental fee is available to eligible customers who apply for and open a new merchant terminal, and settle to a CommBank Business Transaction Account on eligible pricing plans. Offer valid until 31 December 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). For more information on our range of EFTPOS products and pricing plans, visit commbank.com.au/merchants.

    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.

    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.