$0.10
Per Transaction + $8/mo
~3s
Settlement Time
0%
Card Processing Fees
24/7
Real-Time Payments
Pricing
The True Cost of Payments
See why merchants are switching from traditional card processing
Credit/Debit Cards
$100 Sale
-$1.75
1.5% - 2.2% + monthly fees
1-3 business day settlement
Expensive EFTPOS terminal rental
Customer data stored & at risk
Chargeback risk & disputes
Austipay PayID
$100 Sale
$0.10
Flat fee. Every time. No exceptions.
Instant settlement via NPP/Osko
No hardware required
Zero customer data stored
No chargebacks possible
On $50,000 monthly sales: Save $800+ per month vs cards
Consumer Benefits
The Hidden Costs We Eliminate
Every card tap costs consumers in ways they never see
The Privacy Tax
$4,000+
Average cost of identity theft per incident. Every card tap duplicates your financial identity into merchant databases.
Surcharge Pass-Through
$480/year
Average consumer loss. Merchants pass 1.5-2% card processing fees directly to you as surcharges.
Inflationary Markup
1.5%+
Card fees are baked into all retail prices. Even "no-surcharge" merchants add fees to the price of goods.
Features
The Austipay Advantage
Built for modern Australian retail, powered by real-time payments
Just 10¢ + $8/mo
Stop paying percentages. One flat fee regardless of transaction size.
Instant Settlement
Money in your account in seconds via NPP/Osko. 24/7, 365 days.
Zero-Knowledge
No card numbers, no bank details stored. Eliminates breach risk entirely.
Hardware-Free
No EFTPOS terminals. Customers scan QR and pay from their bank app.
How It Works
Seamless Checkout in 3 Steps
A payment experience your customers will love
Scan Products
Customers scan QR codes on products or at checkout using the Austipay app or camera.
Pay via Bank App
Pay directly from their trusted banking app using PayID. No card details needed.
Instant Confirmation
Our Watcher Engine detects payments in real-time. Show receipt to staff and go!