How it works

  • Take payments online, over the phone and in-app
  • Generate e-invoices and set up recurring payments
  • Accept Mastercard®, Visa®, Amex®, Diners Club and JCB cards
  • Eligible customers can get same day settlement of all card sales before 5:30pm (Sydney/Melbourne time)¹

Features & benefits

Accept multiple payment types 

  • Accept MasterCard®, VISA®, Amex®, Diners Club & JCB cards
  • Take payments over the phone by entering card details on our virtual terminal
  • Virtual terminal works on your eligible computer, tablet and smart phone

Invoicing & recurring payments

  • Issue invoices in the Simplify back office in real time
  • Schedule recurring payments to ensure repeat business 

Safe & secure

  • Fully PCI-DSS compliant and certified
  • Activate 3D Secure payments to authenticate cardholders and reduce the risk of fraud
  • Tokenisation feature ensures the secure storage of customer card details

Take your business online

  • Build your own webstore from scratch with included tools
  • No development or coding required 
  • Plugins available for major shopping carts including Shopify and Magento

Minimise fraud

  • Use 13 in-built fraud rules to automatically filter high risk transactions
  • Review or decline transactions based on in-built fraud score for each transaction

Mobile app

  • Take payments, issue e-invoices, manage your web store and monitor fraud on the go. You just need a valid Simplify Merchant facility


Your Simplify solution includes: 

  • Full eCommerce and invoicing capability
  • A Business Transaction Account with the monthly fee waived2, and no establishment fee if you settle to it3. For businesses with custom pricing, a monthly $10 fee applies
  • A flat Merchant Service fee of 2%4
  • If your monthly turnover is less than $1,250, a $25 Minimum Monthly Service Fee applies instead4

Ready to apply?

Contact a Merchant Sales Specialist

On 1800 230 177, Monday to Friday 8am-6pm AEST (Sydney/Melbourne time) or speak to your relationship manager.

You'll need your:

  • ABN
  • Bank account details
  • Contact number
  • Email address

Getting started

Watch user videos

See user videos

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Answers to your questions

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Developer documents

Use our API documentation, SDKs and tutorials for supporting any development on your website.

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Things you should know

¹Everyday 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 5:30pm (AEST).

2Business Transaction Account fee is waived for 2% bundled pricing. For businesses with custom pricing, a monthly $10 fee applies

3Establishment fee of $250 applies if you settle to another financial provider. 

4This is our standard pricing offer. Terms and conditions apply. For additional information please call 1800 230 177. 

5 Eligible customers only. Terms and conditions apply. 

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.

Additional fees and charges may apply including $30 chargeback fee (per chargeback) and $110 service cancellation fee. The full fee list will be sent to you in a letter of offer once we’ve checked everything successfully. 

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 Agreement, Financial Services Guide and Operator and User Guides at our Merchant Support Centre.