Business benefits

  • Build, design and manage your online store

    • Design a stunning online store from scratch — no coding or development skills required
    • Help your customers browse, add-to-cart and checkout smoothly
    • Generate e-invoices and check-out smoothly
  • Built-in security controls to minimise fraud

    • CommBank Simplify Controls allow you to monitor and manage your transactions in real time3
    • Activate EMV 3D Secure (3DS 2.0)4 payments to authenticate cardholders and reduce the risk of fraud
    • Use tokenisation to ensure the secure storage of customer card details
  • Same Day Settlement2

    • Receive Same Day Settlement2 into your CommBank Business Transaction Account5
    • Accept Mastercard®, VISA®, Amex®, Diners Club® & JCB® cards online, in app or over the phone1
  • 24/7 Australian-based support

    • 24 hour, 7 days a week customer support team based in Australia

Helping you get your business online

  • Easy to use to design your website and take payments
  • No coding or development skills required
  • Open a free demo account to find out if CommBank Simplify is right for you. 
Simplify website builder

Manage your online store with our mobile app

  • Take payments on-the-go
  • Monitor your business and manage fraud controls
Mobile app online store

How it works

CommBank Simplify handles everything you need to sell your products or services online and reach new customers. It's backed by CommBank’s world-class payment infrastructure and security. 

  • Make payments online, over the phone and in app1
  • Generate e-invoices and set up recurring payments
  • Accept Mastercard®, Visa®, Amex®, Diners Club® and JCB® cards
  • Eligible customers can get paid the same day as all card sales before 5:30pm AEDT2


Your monthly service fee

1.5% per transaction7

  • Pay 1.5% per transaction for your online sales
  • No minimum monthly service fees – pay $0 in fees if you have no sales for the month

Other fees & charges

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

Before you apply

Here's how the application process works. 

What you'll need

  • A business trading name registered with ASIC
  • To apply for this product online, you must have a CommBank Business Transaction Account5. If you’d like to settle into a different settlement account, please call 1800 230 177.

Your website requirements

Your website must clearly display:

  • Terms and conditions
  • Privacy policy
  • Refunds policy
  • Dispatch & Deliveries policy if you sell goods
  • Images and description of goods and services you're offering are clearly visible
  • Current contact details, including phone number, email address and trading address in Australia
  • Shipping /delivery information is required if you’re selling goods via their website
  • You must also make sure your Australian business trading name matches the primary name you use on your website

Have these details handy

  • Business contact information, including phone and email
  • Australian Business Number (ABN), business structure and registered address
  • Financial information, including yearly turnover, average transaction value, start date
  • Details of every director, partner or trustee depending on your business structure. This includes birth date, residency and occupation information

How to apply

  • Apply online if you’re a sole trader or own a private company, and you:

    Apply online

  • Otherwise, call 1800 230 177 or request a call back to apply

    • If you’re not a sole trader or private company. See what documents you need
    • Get custom pricing if your sales are more than $250,000 per year
    • If you want to settle your sales to a non-CommBank account

    Request a call back

How-to videos

Watch the videos below to learn how to use CommBank Simplify for your business.

Screenshot of a CommBank Simplify storefront

How to set up your online store

Watch now

Screenshot of the CommBank Simplify payments screen

How to take a payment

Watch now

Screenshot of the CommBank Simplify invoicing page

How to send an invoice

Watch now

Looking for more videos? Click here to view all the instructional videos.


Things you should know

  • As this advice has been prepared without considering your objectives, financial situation or needs, you should, before acting on the information, consider its appropriateness to your circumstances. Please view our Merchant AgreementFinancial Services Guide and Operator and User Guides at our Merchant Support Centre.

    American Express is a trademark of American Express. BPAY is a registered trademark of BPAY Pty Limited. Diners is a registered trademark of Diners Club International Ltd. JCB is a registered trademark of JCB Co. Ltd. Mastercard is a registered trademark of Mastercard International Incorporated. Visa is a registered trademark of Visa International Service Association. 

    Mail Order/Telephone Order transactions accepted over the phone or via mail order are subject to a separate application and review. Eligibility criteria apply. For more information and to apply please contact us on 1800 230 177.

    Everyday Settlement available to eligible customers with a Commonwealth Bank Business Transaction Account and a linked Commonwealth Bank merchant facility. ‘Same day’ includes all card sales before 5:30 pm (AEST).

    3 CommBank Simplify provides users with state-of-the-art fraud protection. Every transaction will be screened by an AI-based system that assesses how likely it is to be fraudulent. This is based on global databases, past behaviours, known fraud and biometrics, all of which happens within milliseconds. This allows CommBank Simplify to prevent fraudulent transactions in real time.

    4 EMV 3D Secure (3DS 2.0) is only available for Simplify Hosted Payments or eInvoicing features. It is not available for merchants using API functionality.

    5 A  Business Transaction Account is required to settle your transactions to, if you apply online via NetBank. You can choose to settle your transactions to an alternate account held with us or another financial service provider by calling our Merchant Sales team, or at any time after your application is finalised on 1800 230 177. The information on this website has been prepared without considering your objectives, financial situation or needs. Because of that, you should, before acting on the information, consider its appropriateness to your circumstances. Please view our Financial Services Guide (PDF). Terms, conditions, fees and charges apply to Business Transaction Accounts and NetBank. Read the Terms and Conditions for Business Transaction and Savings Accounts and the Electronic Banking Terms and Conditions (PDF) and consider whether these products are right for you. The target market for this product can be found within the product’s Target Market Determination.

    6 Joining fee of $250 applies if you settle to another financial provider. 

    7 1.5% covers Mastercard®, Visa®, and AMEX®/JCB® transactions (additional costs may apply for all other cards).