One fee. Capped.
0.5% + 30c per successful payment, minimum $1. Capped at $5 on invoices up to $1,000, then the cap rises $1 per extra $1,000 — never more than $20, whatever the invoice. No monthly fee, no setup fee, nothing for failed or declined payments, no charge for texts.
Get startedOur fee: 0.5% + 30c, minimum $1. Capped at $5 up to $1,000, then $1 more per $1,000, never over $20. Card rate shown is a typical online rate.
Versus what you're paying now
| Invoice | Gateway Pay instant, bank-verified | Card (1.75% + 30c) next day | Direct debit (1% + 30c, $3.50 cap) 3–5 days, can bounce |
|---|---|---|---|
| $50.00 | $1.00 | $1.18 | $0.80 |
| $250.00 | $1.55 | $4.68 | $2.80 |
| $800.00 | $4.30 | $14.30 | $3.50 |
| $2,000.00 | $6.00 | $35.30 | $3.50 |
| $6,000.00 | $10.00 | $105.30 | $3.50 |
| $15,000.00 | $19.00 | $262.80 | $3.50 |
Direct debit is cheap on big invoices — but you're paying for speed here: it takes 3–5 days, bounces on wrong details, and you don't know it's failed until it has. PayTo is verified by the customer's bank at approval and settles in seconds.
Questions people ask
When is the fee charged?
Monthly in arrears. On the 1st we total last month's successful payments and collect the fee from your settlement account via a PayTo agreement you authorise at signup. You get an itemised statement.
Is GST included?
Yes — the fee is GST-inclusive and your monthly statement is a tax invoice.
What about refunds?
Refund from your dashboard; the money goes back to the same bank account. No fee on the refund, and the original fee is credited.
Do my customers pay anything?
No. PayTo is free for the payer. You can choose to pass on our fee as a surcharge, but most businesses don't bother at these rates.
Which banks support PayTo?
All the majors and nearly every other Australian bank and credit union. If a customer's bank doesn't, we tell them at the point of paying and they can use a different account.
Any lock-in?
None. Close your account any time. Your customers' PayTo agreements are cancelled with it.