How it works

CommBank Simplify handles everything you need to sell your products or services online and reach new customers. Its 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


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 allow you to monitor and manage your transactions in real time3
  • Activate EMV 3D Secure4 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 AEDT2
  • You can settle to a CommBank Business Transaction Account5 with no joining fee6
  • Avoid hidden costs with a flat Merchant Service fee of 2%. A minimum monthly service fee of $25 applies for monthly turnovers of less than $1,2507

Your monthly service fee

Your monthly service fee7

  • 2% of your online sales if you make $1,250 or more per month
  • Or, $25 per month if you make less than $1,250 per month in online sales 

Other fees and 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
International card scheme fees and refunds and credit fees and charges may also apply.7

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 of the goods or services
  • Current contact details, including phone number, email address and trading address in Australia
  • 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 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 $12,000 per month
  • If you want to settle your sales to a non-CommBank account

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.



Answers to your questions.

Take me there

Developer documents

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

Take me there

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. 

1Mail 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.

2Everyday 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 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.

4 EMV 3D Secure 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.

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

7 This is our standard pricing offer. 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.

8 International card scheme fees are applicable when you process transactions on overseas credit cards: 0.88% per Visa transaction and 0.44% per Mastercard transaction. When you process a refund, you will get a percentage credited back: 0.28% per Visa card refund and 0.32% per Mastercard refund. For example if you refunded a $100 transaction on a Visa card, you would get $0.28 credit, which is 0.28% of your $100 transaction.