How it works

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

  • Make 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 paid the same day as all card sales before 5:30pm AEDT1.


Features & benefits

Design your online store and reach new customers 

  • Design a stunning online store from scratch — no coding or development skills required. 
  • Help your customers browse, add-to-cart and checkout smoothly. 
  • Accept MasterCard®, VISA®, Amex®, Diners Club & JCB cards online or over the phone.

Minimise fraud with inbuilt security

  • CommBank Simplify Controls allows you to monitor and manage your transactions in real time2.
  • Activate 3D Secure payments to authenticate cardholders and reduce the risk of fraud. 
  • Use tokenisation to ensure the secure storage of customer card details.

CommBank — your partner in business

  • Get same day settlement of all card sales before 5:30pm AEDT1.
  • Take advantage of a Business Transaction Account with no establishment fee3 and a monthly fee waiver if you stay4
  • Avoid hidden costs with a flat Merchant Service fee of 2%. A minimum monthly service fee of $25 applies for monthly turnover of less than $1,2505.


  • Pay a flat Merchant Service fee of 2%5.
  • Includes a Business Transaction Account with the monthly fee waived4, and no establishment fee if you choose to retain it3.
  • For businesses with custom pricing, a monthly $10 fee applies.
  • For businesses with a monthly turnover of less than $1,250, a $25 minimum monthly service fee applies instead5.


Here's how the application process works. 

What you'll need

  • A business trading name registered with ASIC
  • A Business Transaction Account to settle your sales to, or if you don’t have one we can set it up for you.

Your website requirements

Your website must clearly display:

  • Terms and conditions
  • Privacy policy
  • Refunds Policy, Dispatch & Deliveries Policy if you sell goods
  • Images of the goods or services
  • Current contact details, including phone number, email address and trading address
  • You must also make sure your 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

1. Try a demo

Try Simplify free of charge to see if it’s right for you. If you want to talk about your business goals and how we can make them happen, give us a call 1800 230 177

Try a demo

2. Submit your application

When you’re ready, we’ll send over a personalised application to suit your goals. If we need a signature, we'll ask you to sign and return it; if no signature is needed, we’ll fast-track it for approval.

3. Get approved

We'll send a confirmation letter with your Merchant Facility ID once you’re approved. Processing can take up to 5-7 days. 

4. Start growing your business

You’ll receive a welcome email to log into your account. CommBank’s service team are on hand if you ever need help. 

Things you should know

Things you should know:

1. 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).

2. CommBank Simplify Controls enables users to customise their fraud setting via setting fraud rules, reviewing payments and receiving smart alerts enabling you to control, prevent and monitor transactions in real time including transaction size, country of origin and repeat transactions.

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

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

5. This is our standard pricing offer. Additional fees and charges may apply including $30 chargeback fee (per chargeback) and $110 service cancellation fee. For a full list of applicable fees and charges, refer to our Merchant AgreementFinancial Services Guide and our Letter of Offer issued once the merchant facility has been approved.

6. Eligible customers only. Terms and conditions apply.

MasterCard is a registered trademark of MasterCard International Incorporated. Visa is a registered trademark of Visa International Service Association. American Express is a trademark of American Express.  Diners is a registered trademark of Diners Club International Ltd. JCB is a registered trademark of JCB Co. Ltd

Applications for a merchant facility are subject to the Bank’s approval. View our Merchant AgreementFinancial Services Guide at our Merchant Support Centre and the Terms and Conditions for Business Transaction and Savings Accounts to consider them before making any decisions about these products. This advice has been prepared without considering your objectives, financial situation or needs. Before acting on the advice, consider if it’s right for you.