🇦🇺 Australia · Free · No Sign-Up · 2026 Rates Verified
eWAY Fee Calculator Australia 2026:
Exact Fees in Australian Dollars
This free eWAY fee calculator gives Australian businesses their exact payout after all eWAY fees are deducted — including the 1.5% + A$0.25 domestic rate, GST on fees, and chargeback costs.
eWAY is used by 97,000+ Australian businesses and operates in only 5 countries. Unlike Stripe and PayPal, eWAY is an Australasian-first gateway with local phone support and bank relationships with NAB and BNZ.
- Domestic cards (Visa / Mastercard / Amex): 1.5% + A$0.25 per transaction
- International cards: 2.9% + A$0.25 per transaction
- GST at 10% added on top of all fees
- No monthly fee · No setup fee · No lock-in contract
- Chargeback fee: A$44.00 per dispute
- Merchant Trust Initiative: A$178 yr 1 / A$142/yr (after 50 transactions)
⚠️ Rate Accuracy Notice: Fees shown are based on publicly available eWAY pricing as of May 2026. Rates change without notice. Always verify current fees at eway.com.au or call 1800 10 65 65 before making business decisions. This calculator is a free estimation tool only.
eWAY Australia — Key Rates at a Glance
Domestic Rate
1.5% + A$0.25
Intl. Card Rate
2.9% + A$0.25
Monthly Fee
A$0.00
Setup Fee
A$0.00
Chargeback Fee
A$44.00
Settlement
1–3 Days
Merchant Trust
A$178/yr 1
GST on Fees
+10%
eWAY Transaction Fee Calculator
Fee ex GST
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GST (10%)
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Total Fee
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You Receive
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Sale amount—
% component—
Fixed componentA$0.25
Fee subtotal (ex GST)—
GST on fee (10%)—
Total fee deducted—
Net to your account—
eWAY Australia — Complete 2026 Rate Card
eWAY offers two product types: Online Payments (all-in-one, includes merchant account) and Payment Gateway (bring your own bank merchant account). All confirmed fees for 2026 are below.
Online Payments Plan — Core Fees
| Fee Type | Amount | Notes |
|---|---|---|
| Domestic Visa / Mastercard | 1.5% + A$0.25 | Per transaction, excluding GST |
| International Cards | 2.9% + A$0.25 | Visa / Mastercard issued overseas |
| American Express (Amex) | 1.5% + A$0.25 | Same as domestic rate |
| Apple Pay / Google Pay | 1.5% + A$0.25 | Same as underlying card rate |
| Monthly fee | A$0.00 | No monthly or annual fee |
| Setup / integration fee | A$0.00 | No contract, no lock-in |
| Refund fee | A$0.00 | Free on Online Payments plan |
| Chargeback fee | A$44.00 | Per disputed transaction |
| Merchant Trust Initiative | A$178 yr 1 / A$142/yr | After 50 transactions. Opt-out available once per 12 months. |
| Settlement time | 1–3 business days | Subject to bank processing |
| GST on all fees | +10% | Added on top of rates above |
Important — Merchant Trust Initiative: After your first 50 transactions, eWAY automatically enrolls you in the Merchant Trust Initiative (PCI compliance tools) at A$178 for year one, A$142/year thereafter — all prices include GST. You can opt out once per 12 months by contacting eWAY directly.
Payment Gateway Plan (BYO Merchant Account)
If you already have a merchant facility with your bank (NAB, ANZ, Westpac, CommBank), you can use eWAY as a gateway-only service. Pricing for Gateway Plans is custom and negotiated directly with eWAY. Your bank will charge its own merchant service fees on top of the eWAY gateway fee.
Volume Discounts: Businesses processing high transaction volumes can negotiate custom rates directly. Call 1800 10 65 65 (AU) to discuss enterprise pricing.
How to Calculate eWAY Transaction Fees (With GST)
The eWAY fee formula for a domestic card transaction is straightforward. The rate is quoted excluding GST — you then add 10% GST on top of the fee.
Fee Formula — Domestic Card
Step 1: % componentSale Amount × 1.5%
Step 2: Add fixed fee+ A$0.25
Step 3: Add GST× 1.10
Total fee deducted= Your cost
Worked Examples — Domestic Cards (1.5% + A$0.25)
| Sale Amount | % Part | Fixed | Fee ex GST | GST | Total Fee | You Receive |
|---|---|---|---|---|---|---|
| A$10.00 | A$0.15 | A$0.25 | A$0.40 | A$0.04 | A$0.44 | A$9.56 |
| A$25.00 | A$0.38 | A$0.25 | A$0.63 | A$0.06 | A$0.69 | A$24.31 |
| A$50.00 | A$0.75 | A$0.25 | A$1.00 | A$0.10 | A$1.10 | A$48.90 |
| A$100.00 | A$1.50 | A$0.25 | A$1.75 | A$0.18 | A$1.93 | A$98.07 |
| A$250.00 | A$3.75 | A$0.25 | A$4.00 | A$0.40 | A$4.40 | A$245.60 |
| A$500.00 | A$7.50 | A$0.25 | A$7.75 | A$0.78 | A$8.53 | A$491.47 |
| A$1,000.00 | A$15.00 | A$0.25 | A$15.25 | A$1.53 | A$16.78 | A$983.22 |
eWAY vs Stripe — Which Is Cheaper for Australian Businesses?
The two dominant online payment gateways for Australian merchants are eWAY and Stripe. Here is a direct 2026 comparison.
| Feature | eWAY | Stripe AU |
|---|---|---|
| Domestic card rate | 1.5% + A$0.25 | 1.75% + A$0.30 |
| International card rate | 2.9% + A$0.25 | 2.9% + A$0.30 |
| Monthly fee | A$0 | A$0 |
| Setup fee | A$0 | A$0 |
| Chargeback fee | A$44 | A$25 |
| Settlement time | 1–3 days | 2 days standard |
| GST on fees | Added on top | Added on top |
| Local phone support | Yes — AU based | No — chat/email only |
| Best for | Cost-focused AU SMBs | Developer-heavy / global |
Verdict: For a domestic-focused Australian business, eWAY is cheaper per transaction — 1.5% vs 1.75% and A$0.25 vs A$0.30 fixed. On a A$100 sale eWAY costs A$1.93 vs Stripe's A$2.31 (both inc GST). At 500 transactions/month that's A$190/year saved. Stripe's chargeback fee (A$25) is lower than eWAY's (A$44).
eWAY Surcharging — Critical October 2026 Change
The RBA has mandated that all card surcharges on Visa, Mastercard, and eftpos must be removed by 1 October 2026. This is the most significant change to Australian payments regulation in decades.
eWAY merchants must act before October 2026: eWAY is removing card surcharging functionality from its platform ahead of the deadline. If your integration currently auto-surcharges customers, you must remove this from your checkout and incorporate your payment acceptance costs into advertised pricing instead.
What Is NOT Changing
- Non-payment surcharges (weekend, public holiday) are unaffected
- eWAY's underlying rate of 1.5% + A$0.25 is unchanged
- International card rates remain until April 2027
International Card Changes (April 2027)
From April 2027, foreign-issued card interchange is capped at 1.0%, down from ~1.6–2.0%. eWAY has committed to passing savings through to merchants as these take effect.
Frequently Asked Questions — eWAY Fees Australia
What is the eWAY transaction fee in Australia in 2026?
eWAY charges 1.5% + A$0.25 per domestic Visa and Mastercard transaction (Online Payments plan). International cards are 2.9% + A$0.25. There is no monthly fee, no setup fee, and no lock-in contract. GST at 10% is added on top of these rates.
Does eWAY charge GST on transaction fees?
Yes. GST at 10% is added on top of all eWAY transaction fees. The rate card (1.5% + A$0.25) is quoted excluding GST. On a A$100 sale, the fee before GST is A$1.75, and the total fee including GST is A$1.93.
Is eWAY cheaper than Stripe for Australian businesses?
Yes, for domestic transactions. eWAY charges 1.5% + A$0.25 vs Stripe's 1.75% + A$0.30 for Australian-issued cards. On a A$100 sale, eWAY costs A$1.93 vs Stripe's A$2.31 (both including GST). Stripe's chargeback fee is lower at A$25 vs eWAY's A$44.
What is the eWAY chargeback fee in Australia?
eWAY charges A$44.00 per chargeback when a dispute is upheld in the customer's favour. The original transaction fee is not refunded. To minimise risk, eWAY recommends providing compelling evidence of the transaction through their dispute resolution process.
What is the eWAY Merchant Trust Initiative fee?
After you process 50 transactions, eWAY auto-enrolls you in the Merchant Trust Initiative — a PCI DSS compliance program — at A$178 for the first year (GST inclusive), then A$142 per year. You can opt out once every 12 months by contacting eWAY.
Can I pass eWAY transaction fees to my customers?
From 1 October 2026, card surcharges on Visa, Mastercard, and eftpos are banned under RBA regulations. eWAY is removing surcharging functionality ahead of this deadline. You will need to incorporate payment acceptance costs into your advertised pricing instead.
Which countries does eWAY operate in?
eWAY operates in Australia, New Zealand, Hong Kong, Singapore, and Macau. It is primarily an Australasian gateway, unlike Stripe or PayPal which operate globally. For AU merchants this means dedicated local support and established bank relationships with NAB and BNZ.
Rates verified May 2026. Always confirm current pricing at eway.com.au before making business decisions.