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Tyro Fee Calculator Australia 2026:
EFTPOS Transaction Costs Instantly
This free Tyro fee calculator gives Australian businesses their exact cost per EFTPOS transaction — including the 1.4% flat rate (GST inclusive), machine rental, and monthly total. Tyro is Australia's 5th largest merchant acquiring bank, used by 73,000+ businesses across hospitality, healthcare, and retail.
Unlike Stripe and eWAY, Tyro quotes its rate inclusive of GST — no surprise 10% add-on. The 1.4% flat rate also has no fixed per-transaction fee, making it more cost-effective for higher-value transactions.
- Simple plan: 1.4% per transaction — GST already included
- No fixed per-transaction fee (unlike Stripe A$0.30, eWAY A$0.25)
- Machine rental: A$29/month (waived at A$10k+/month volume)
- No setup fee · No lock-in contract · No cancellation fee
- Same-day settlement with Tyro Transaction Account
- Custom rates available for businesses processing A$20k+/month
⚠️ Rate Accuracy Notice: Fees shown are based on publicly available Tyro pricing as of May 2026. Tyro offers customised pricing for many businesses — your actual rate may differ. Always verify current fees at tyro.com or call 1300 00 8976 before making business decisions. This calculator is a free estimation tool only.
Tyro Australia — Key Rates at a Glance
Simple Plan Rate
1.4% flat
GST Treatment
Already incl.
Machine Rental
A$29/month
No Cost Threshold
A$10k+/mo
Setup Fee
A$0.00
Lock-in Contract
None
Settlement
Same-day
Fixed Fee/Txn
None
Tyro EFTPOS Fee Calculator
Fee Per Transaction
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You Receive
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Monthly Txn Fees
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Total Monthly Cost
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Transaction amount—
Rate applied (GST incl.)—
Fee per transaction—
Net to your account per transaction—
Monthly txn fees (on A$0 volume)—
Machine rental (monthly)—
Total monthly cost—
Annual cost estimate—
Tyro EFTPOS Pricing Plans — Australia 2026
Tyro offers three pricing structures depending on your monthly transaction volume. The right plan depends on your turnover and whether you own or rent hardware.
Simple Plan
1.4% per transaction (GST incl.)
+ A$29/month machine rental
Best for: up to A$20k/month
All cards: Visa, MC, eftpos, Amex, UnionPay, JCB
No setup · No lock-in · No cancellation fee
Best for: up to A$20k/month
All cards: Visa, MC, eftpos, Amex, UnionPay, JCB
No setup · No lock-in · No cancellation fee
No Cost EFTPOS
A$0 machine rental
Rental waived at A$10k+/month volume
Historically used Dynamic Surcharging
⚠️ Surcharging banned Oct 2026 — contact Tyro to discuss alternatives
Historically used Dynamic Surcharging
⚠️ Surcharging banned Oct 2026 — contact Tyro to discuss alternatives
Custom / Enterprise
Custom negotiated rate
Available for A$20k+/month volume
Cost-plus or card-based pricing
Call: 1300 00 8976
Cost-plus or card-based pricing
Call: 1300 00 8976
Complete Tyro Fee Schedule 2026
| Fee Type | Simple Plan | Notes |
|---|---|---|
| Transaction rate — all cards | 1.4% (GST incl.) | Visa, Mastercard, eftpos, Amex, UnionPay, JCB |
| Fixed fee per transaction | None | Pure percentage — no A$0.25 or A$0.30 add-on |
| Machine rental — Tyro Pro | A$29/month | Waived under No Cost EFTPOS at A$10k+/month |
| Setup / joining fee | A$0 | No upfront costs |
| Lock-in contract | None | Leave at any time, no break fees |
| Cancellation fee | A$0 | No exit fees |
| Refund fee | A$0 | Refunds processed free of charge |
| Settlement — Tyro Transaction Account | Same-day, 7 days | Including weekends and public holidays |
| Settlement — External bank | 1–3 business days | Standard bank processing times |
| Tap & Save (least-cost routing) | Included | Routes eligible debit taps via cheapest network |
| POS integrations | 450+ | Lightspeed, Impos, MYOB, Xero, Shopify and more |
| Support | 7 days/week | Australian-based team |
| GST on fees | Included in 1.4% | Rate is quoted GST inclusive — unlike eWAY and Stripe |
Tyro Transaction Fee Examples — Simple Plan (1.4% GST Incl.)
Because Tyro quotes its rate inclusive of GST, the calculation is simpler than eWAY or Stripe — there is no separate GST step. There is also no fixed fee per transaction, so the effective cost scales purely with sale amount.
Fee Formula — Simple Plan
Tyro fee (GST incl.)Sale Amount × 1.4%
No fixed fee to add+ A$0.00
You receiveSale Amount − fee
| Sale Amount | Tyro Fee (1.4% GST incl.) | You Receive | Effective Cost |
|---|---|---|---|
| A$10.00 | A$0.14 | A$9.86 | 1.40% |
| A$25.00 | A$0.35 | A$24.65 | 1.40% |
| A$50.00 | A$0.70 | A$49.30 | 1.40% |
| A$100.00 | A$1.40 | A$98.60 | 1.40% |
| A$250.00 | A$3.50 | A$246.50 | 1.40% |
| A$500.00 | A$7.00 | A$493.00 | 1.40% |
| A$1,000.00 | A$14.00 | A$986.00 | 1.40% |
| A$5,000.00 | A$70.00 | A$4,930.00 | 1.40% |
No fixed fee advantage: Tyro's pure percentage model means there is no minimum transaction cost. On a A$5 sale Tyro charges A$0.07 — eWAY would charge A$0.33 (1.5% + A$0.25 + 10% GST). For low-value transactions Tyro is significantly cheaper. For transactions above A$50, eWAY becomes slightly more cost-effective on the percentage component alone (1.5% ex-GST ≈ 1.65% incl. GST vs Tyro's 1.4%).
Monthly Cost by Volume — Including Machine Rental
| Monthly Volume | Txn Fees (1.4%) | + A$29 Rental | Total Monthly | No Cost EFTPOS? |
|---|---|---|---|---|
| A$2,000 | A$28.00 | A$29.00 | A$57.00 | No (under A$10k) |
| A$5,000 | A$70.00 | A$29.00 | A$99.00 | No (under A$10k) |
| A$10,000 | A$140.00 | A$29.00 | A$169.00 | Eligible |
| A$20,000 | A$280.00 | A$29.00 | A$309.00 | Eligible |
| A$50,000 | A$700.00 | A$0 (custom) | A$700.00+ | Custom rate |
Tyro vs Square vs Stripe vs eWAY — 2026 Comparison
Tyro competes primarily with Square for in-person EFTPOS. Here is a full comparison for Australian merchants in 2026.
| Feature | Tyro | Square AU | Stripe AU | eWAY AU |
|---|---|---|---|---|
| In-person rate | 1.4% (GST incl.) | 1.6% | 1.75% + A$0.30 | 1.5% + A$0.25 (ex GST) |
| Fixed fee per txn | None | None | A$0.30 | A$0.25 |
| Monthly fee | A$29 rental | A$0 (buy HW) | A$0 | A$0 |
| Hardware | Rental (A$29/mo) | Own outright A$65+ | No terminal | No terminal |
| Same-day settlement | Yes (7 days) | No | No (2 days) | No (1–3 days) |
| POS integrations | 450+ | Square ecosystem | 500+ (online) | 250+ |
| Healthcare / Medicare | Yes — Tyro Health | No | No | No |
| AU-based phone support | 7 days/week | Limited | No | Yes |
| Best for | Hospitality, healthcare, retail EFTPOS | Low-volume, POS-first | Online / developers | Online payments AU |
Bottom line: On a A$100 in-person transaction, Tyro costs A$1.40 vs Square's A$1.60 — saving A$0.20 per transaction, or A$200 per 1,000 transactions. Tyro's same-day settlement and 450+ POS integrations make it the strongest choice for hospitality and healthcare businesses turning over A$10k+ per month.
Tyro Tap & Save — How Least-Cost Routing Lowers Your Fees
Tap & Save is Tyro's least-cost routing (LCR) feature, built into all plans at no extra cost. It automatically routes eligible tap-and-go debit card transactions through the cheapest available network — typically the eftpos network rather than Visa or Mastercard — reducing your effective fee on those transactions.
- Applies to contactless debit card transactions under A$1,000
- No action required by merchant or customer
- Not available on Card Not Present (online) transactions
- Tyro was the first Australian bank to implement LCR in 2018
- Actual savings depend on your card mix and transaction volume
October 2026 — Surcharge Ban: What Tyro Merchants Must Do
Action required before 1 October 2026: The RBA has banned card surcharges on all Visa, Mastercard, and eftpos transactions from 1 October 2026. Tyro is removing Dynamic Surcharging functionality from its platform ahead of this deadline. If you currently surcharge customers via Tyro, you must remove this and incorporate payment costs into your advertised pricing instead. Tyro's No Cost EFTPOS surcharging model will not be viable after this date.
- Non-payment surcharges (weekend, public holiday) are not affected
- Tyro's underlying 1.4% transaction rate is unchanged
- International card interchange caps take effect April 2027 — Tyro has committed to passing savings through
Tyro eCommerce, Mobile EFTPOS & Tyro Health Fees
Beyond the standard EFTPOS simple plan, Tyro offers three additional products with their own fee structures.
Tyro eCommerce (Online Payments)
Tyro eCommerce allows businesses to accept online card payments through the same platform as their in-store EFTPOS. Pricing is custom and quoted by Tyro based on your volume and industry — it is not published as a flat rate. This positions Tyro eCommerce as a solution for existing Tyro EFTPOS merchants wanting a unified platform rather than adding a separate Stripe or eWAY account. Call 1300 00 8976 for an eCommerce quote.
Tyro Mobile EFTPOS — Tyro Pro & Tyro Pro Key
Tyro's mobile EFTPOS terminal is the Tyro Pro — a fully wireless device with all-day battery, 6-inch HD touchscreen, and 4G mobile backup. The Tyro Pro Key adds a physical keypad for industries like automotive and trades where gloved hands or rapid transactions make a touchscreen impractical. Both rent at A$29/month on the simple plan. Pricing on both is the same 1.4% flat rate.
Tyro Health Pricing (Healthcare Providers)
Tyro Health is a separate product from Tyro EFTPOS, designed specifically for healthcare providers. It handles Medicare bulk billing, HealthPoint private health insurance claiming, and NDIS payments. Fee structure differs from standard Tyro:
| Tyro Health Fee Type | Rate | Notes |
|---|---|---|
| Tyro Health Online Payments (Visa/MC) | 1.7% + A$0.30 | Per transaction — higher than standard EFTPOS rate |
| HealthPoint claims (private health) | Free | Free claims — no charge per claim |
| Medicare bulk billing | Free | Free claims |
| Tyro Health EFTPOS Bundle | Reduced rates | Combines EFTPOS + online health payments |
| Monthly fee | A$0 | No monthly fee — transaction-based only |
Healthcare providers note: If you process both in-person EFTPOS payments and online health fund claims, the Tyro Health Bundle connects a Tyro EFTPOS device to your Tyro Health Online account at reduced combined fees. Contact Tyro Health at tyrohealth.com for current bundle pricing.
Frequently Asked Questions — Tyro Fees Australia
What is the Tyro transaction fee in Australia in 2026?
Tyro's simple plan charges 1.4% per transaction, inclusive of GST. There is no fixed per-transaction fee. Machine rental is A$29/month, waived for businesses processing A$10,000+ per month under the No Cost EFTPOS plan. No setup fee, no lock-in contract, no cancellation fee.
Does Tyro include GST in its transaction fees?
Yes — this is a key difference from competitors. Tyro's 1.4% rate is quoted inclusive of GST. eWAY quotes 1.5% + A$0.25 excluding GST (then adds 10%), and Stripe quotes 1.75% + A$0.30 excluding GST. When comparing Tyro against competitors, always check whether the quoted rate includes or excludes GST.
Is Tyro cheaper than Square for Australian businesses?
Yes for in-person transactions. Tyro charges 1.4% (GST incl.) vs Square's 1.6% for card-present payments. On a A$100 sale Tyro costs A$1.40 vs Square's A$1.60. Square hardware is purchased outright from A$65, while Tyro rents terminals at A$29/month — so the better value depends on your volume and hardware preference.
What is Tyro No Cost EFTPOS?
No Cost EFTPOS is a Tyro plan that waives the A$29/month machine rental for businesses processing A$10,000+ per month. It has historically worked by passing transaction costs to customers via Dynamic Surcharging. From 1 October 2026, the RBA's surcharge ban makes this model non-viable. Contact Tyro on 1300 00 8976 to discuss alternatives before the deadline.
How does Tyro same-day settlement work?
Tyro offers same-day settlement 7 days a week — including weekends and public holidays — when funds are settled into a Tyro Transaction Account. Settling to an external bank takes 1–3 business days. Same-day settlement is a significant cash flow advantage over Stripe (2 days) and eWAY (1–3 days) for high-volume merchants.
Can I negotiate a lower rate with Tyro?
Yes. Tyro offers customised pricing for businesses processing A$20,000+ per month. The standard 1.4% simple plan applies up to this threshold. For higher volumes, Tyro can offer cost-plus or card-based pricing that may result in lower effective rates. Call 1300 00 8976 to discuss.
Which industries does Tyro specialise in?
Tyro specialises in hospitality (Lightspeed, Impos, Deputy integrations), healthcare (Medicare and private health fund claiming via Tyro Health), and retail. It integrates with 450+ POS and practice management systems. It is the dominant EFTPOS specialist for Australian SMBs outside the big four banks.
How much does a Tyro Transaction Account cost?
The Tyro Transaction Account has no fees — no account-keeping fee, no monthly fee, no transaction fee, no minimum balance, and no overdrawn fee. It is only available to existing Tyro EFTPOS or eCommerce customers. The primary benefit is same-day settlement: funds from your EFTPOS terminal are deposited into your Tyro Transaction Account on the same day, 7 days a week including weekends and public holidays.
Does Tyro Health charge additional fees?
Yes — Tyro Health (previously Medipass) has its own separate fee schedule. Tyro Health Online Payments charges 1.7% + A$0.30 per transaction for Visa and Mastercard payments, which is higher than the standard Tyro EFTPOS simple plan rate of 1.4%. Free claims — including HealthPoint private health insurance claims and bulk billing — are processed at no charge. Tyro Health EFTPOS bundles are available that combine in-person and online health payments at reduced rates.
What are Tyro eCommerce fees?
Tyro eCommerce (online payments) pricing is separate from EFTPOS pricing and is negotiated directly with Tyro based on your business volume and industry. Unlike Stripe or eWAY which publish flat online rates, Tyro's eCommerce offering is primarily positioned for businesses that want to combine in-store EFTPOS with an online channel on one platform. Contact Tyro on 1300 00 8976 for a custom eCommerce quote.
What is the Tyro mobile EFTPOS solution?
Tyro's mobile EFTPOS solution is the Tyro Pro — a fully wireless terminal with all-day battery life, Wi-Fi and 4G connectivity, and a 6-inch HD touchscreen. It supports tap, chip, and swipe payments plus Apple Pay, Google Pay, and Samsung Pay. The Tyro Pro Key variant adds a physical keypad for environments like automotive workshops where touchscreen use is impractical. Both devices rent at A$29/month on the simple plan.
Rates verified May 2026. Always confirm current pricing at tyro.com before making business decisions.
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