Disclaimer
Rates are indicative
The rate cards published on this site are indicative and subject to underwriting. They are not an offer, and no rate is binding until it appears in a signed agreement with your entity named in it. The rate you are offered follows from your file.
What we are, and are not
- We are a payments gateway and billing engine. Card acquiring is provided by licensed acquiring partners, and the merchant of record for a given transaction may be us or may be a processing partner, depending on the rail your account is placed on.
- We are not an authorised deposit-taking institution, not a bank, and we do not hold an Australian credit licence. Funds held in reserve are not a deposit and are not protected as one.
- Nothing on this site is financial product advice, or a recommendation about any financial product. We do not take your objectives or circumstances into account.
Capabilities described as current
Some capabilities on this site describe intent rather than present function. As at publication date, the following are in development: cascading between acquirers, pre-chargeback alerts, and card-updater lookups. Where a plan card lists one, treat it as a commitment we are building toward, not a switch that is already on.
Third-party figures
The comparison table quotes published rates and fees from other processors. Each figure is sourced and dated on the page. Those companies change their pricing without telling us, and some do not publish it at all — verify anything you are about to rely on.
The calculator
The monthly cost estimator multiplies your inputs by the published rate card. Its chargeback term is linear — ratio × volume × A$25 — so it does not model what happens once a dispute ratio passes a scheme monitoring threshold, which is the most expensive thing that can happen to a high-risk merchant. Read its output as a floor, not a forecast.
Availability
Publishing a rate card for a category does not mean we can board you in it today. Acquiring appetite in these categories changes quarterly, and a bank that boarded a category in March may have exited by September. The only real answer is the one that comes back on your file.