AUSTRALIAN PAYMENT GATEWAYS

Who is Australia’s Best Payment Gateway?

When trying to find the Best Payment Gateway in Australia it doesn’t necessarily mean that they will be the cheapest. It’s important to weigh in the different strengths and weaknesses of  all the major Payment Gateways in Australia to determine which is offering the best solution for your online business. It may even come down to who you speak to on the phone when you decide to call them. Some staff members are more helpful than others, some are able to offer special discounts and some even know the tricks of the trade to ensure that you receive the best bang for your buck. The pricing of each of the major Payment Gateways in Australia (please note that prices may have changed since the time of this writing however these prices are a solid indication of what to expect from these major Payment Gateways in Australia) are listed below.


Merchant Warrior

Australia's Best Online Payment Gateway

Location: Brisbane, Queensland.

Merchant Warrior is a new local Australian Payment Gateway. Each product appears to have different pricing (price indications are vague, customers should call Merchant Warrior to receive a better indication of pricing) which would enable a customer to select and only pay for the solution that they require as opposed to paying for numerous Payment Gateway products that they would not use.

Product NameSetup Cost (negotiable)Annual CostPer Transaction Cost (negotiable)
Batch Processing$59.95$400As low as $0.15
Recurring Transactions$59.95$450$0.40
API$199$400As low as $0.15
Hosted Payment Page$199$500$0.40
Virtual Terminal$199$400$0.20
  • Other Costs: None.
  • Application Process: 1 Page and short. No costs or credit card/debit account information required when applying. Application can be found here.
  • PCI Compliance: Tier 1 Compliant Provider. Information here.
  • Referral Program: Yes. Merchant Warrior has a Referral Program which enables Web Developers and other integrators to be able to earn a 10% commission for integrating or referring customers to utilize the Merchant Warrior Payment Gateway.

Impressive: Merchant Warrior speaks to the Australian Banks on your behalf in order to setup your online merchant account. This often means the rates you achieve are competitive and the absolute best.

Phone: (07) 3166 5489


SecurePay

Location: Melbourne, Victoria.

The SecurePay Group are owners of a number of Australian Payment Gateways (SecurePay, DirectOne and Camtech). The pricing we will look at will be for SecurePay which is another long running and large Payment Gateway.

The SecurePay website is extremely vague about its prices. It is hard to see if setup fees are actually charged or what the exact cost per transaction will be for an online business. Small business packages start at $395 per year with transaction prices at $0.45 per transaction and another pricing package which was $450 per year, $25 per month and $0.25 per transaction. Further pricing information can be found here.

  • Other Costs: None.
  • Application Process: 3 Step Application. Credit Card and/or Direct Debit information required. Application can be found here.
  • PCI Compliance: Tier 1 Compliant Provider. Information here.
  • Referral Program: Yes. More information can be found here.

Impressive: SecurePay has a very impressive referral commission of 20% for all referrals. Whether this has an impact on the customer’s pricing is left to be determined.

Phone: 1300 786 756


SCNet

Location: Perth, Western Australia.

SCNet is Perth’s largest Payment Gateway and prices their products in packages.

Package NameProducts IncludedSetup CostPer Transaction CostFree Transactions Per Year
Starter* Hosted Secure Payment Page
* Adhoc Virtual Payment Terminal
Not Listed$0.4050
Standard* Hosted Secure Payment Page
* Adhoc Virtual Payment Terminal
* Background XML/AJAX Processor
* Multi Currency Support
Not Listed$0.22500
Premium* Hosted Secure Payment Page
* Adhoc Virtual Payment Terminal
* Background XML/AJAX Processor
* Multi Currency Support
Not Listed$0.221,000
Corporate* Hosted Secure Payment Page
* Adhoc Virtual Payment Terminal
* Background XML/AJAX Processor
* Multi Currency Support
Not ListedAs low as $0.08Not Listed

  • Other Costs: None.
  • Application Process: A little different in that it operates like a shopping cart or you simply contact their staff. Application process can be found here.
  • PCI Compliance: Level of compliance is not listed.
  • Referral Program: None.

Impressive: “SCNet provide the only Oracle Payments solution compatible with the Australian banking network”

Phone: (08) 9261 7773


e-Path

Location: Sydney, New South Wales.

MANUAL PAYMENT GATEWAY

e-Path can be referred to as a Manual Payment Gateway. After a customer completes a purchase, the transaction waits in the merchants administration panel. Only after the merchant chooses to go ahead with charging the card will the transaction be processed. Merchants are required to “authorize” each transaction before it can be processed and the funds be taken from the customer’s credit card.

License TypeLicense InformationSetup CostAnnual Cost
SingleSingle Website or Shopping Cart$22$275
MultipleUp to five separate Websites or Shopping Carts$22$341

  • Other Costs: None.
  • Application Process: 1 Page and short. Before applying you will need to contact an Australian Bank on your own and obtain an online merchant account. You will not be able to apply if you do not already have an online merchant account. Application can be found here.
  • PCI Compliance: Level of compliance is not listed. Further information here.
  • Referral Program: None.

Impressive: Due to its manual processing of transactions e-Path does not charge any transaction fees.

Phone: 1300 661 399


eMatters

Location: Melbourne, Victoria.

eMatters has a slightly different approach to its pricing structure. Merchants select from three products (eMatters Direct, eMatters Extended, eMatters Enterprise) which each have an Activation Fee associated and then select from a number of plans that suit them best.

Plan CodeMonthly CostPer Transaction CostFree Transactions Per Month
SB1$29$0.4915
SB2$55$0.28200
SB3$99$0.25400
SB4$195$0.201,000
SB5$499$0.173,000
  • Other Costs: Activation Fee – Direct ($99), Extended ($299), Enterprise ($499).
  • Application Process: 5 Step Long Process. Before applying you will need to contact an Australian Bank on your own and obtain an online merchant account. You will not be able to apply if you do not already have an online merchant account. Application can be found here.
  • PCI Compliance: Tier 1 Compliant Provider. Further information here.
  • Referral Program: None.

Impressive: iPhone Payment Solutions. Further information can be found here.

Phone: 1300 136 966


Summary

This information may help a merchant in their daunting task of selecting the best combination of Australian Bank and Payment Gateway in Australia. All Payment Gateways in Australia have their strengths and their weaknesses. It is important to ensure that you have a full list of your requirements prepared before looking into setting up an online merchant account for use with an Australian Payment Gateway.