Interchange++ – Full cost transparency. Save.
Interchange++
No games.
Just transparency.
Keep fees fair.
All the time.
Interchange++ provides clarity. We pass on exactly what banks and schemes charge you, plus our transparent margin on top.
Terminal rental from $29/mth¹
Get a new terminal, fast.
No lock in contracts
You're free to leave at any time.
Receive funds fast
Same day funding available, 7 days per week.
Link existing bank account
No need to setup a new account.
No hidden fees
For complete transparency.
Free receipt rolls
Simply order online.
Custom Pricing.
Tailored for you.
Our customised pricing gives you low, tailored fees that fit your business, helping you stay in control of your costs and supporting your growth at every stage.
Transparency built in.
Interchange++ pricing separates your costs into three transparent parts: the interchange fee, the scheme fee, and a fixed PayNuts margin.
- Interchange fees are set by the card networks and paid to card issuers.
- Scheme fees are set by and paid to the card networks like Visa and Mastercard.
- The PayNuts margin is the only part we control.
By breaking the pricing into these components, you can see exactly where every cent goes, giving you full visibility into the true cost of each transaction and the margin you pay to PayNuts.
Accept all
Payments Types.
Pricing
Interchange++
Custom %
Interchange fee + Scheme fee + PayNuts Margin
Includes
No lock in contracts
24/7 Support
Account Management
PayNuts Connect Portal
Add-ons
Same day funding
nbn® plans
Bookkeeping
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24/7 customer support
We are here to help when you need us.
Call us, email us, or request support online.
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FAQs
Interchange++ is a transparent pricing model that breaks your transaction fees into three parts: interchange, scheme fees and a PayNuts margin. You see exactly what each component costs instead of a single blended fee.
Interchange is a fee set by card networks like Visa and MasterCard and paid to the cardholder's bank (issuer) every time a transaction is processed. It varies depending on the card type and transaction method.
Scheme fees are charged by card networks for using their payment infrastructure. These fees are set by the card schemes (e.g. Visa, Mastercard, eftpos) and apply to every transaction that passes through their networks.
Your rates vary under Interchange++ because the underlying costs of each transaction aren’t the same. Different cards, transaction methods, industries, and card brands all carry different interchange and scheme fees, so your final rate reflects the real cost of processing each individual transaction.
Interchange++ is ideal for merchants who want a clear, itemised breakdown of their fees and whose customers pay with a wide mix of card types. It gives full visibility into the true cost of each transaction. It may be less suitable for businesses that prefer a single, fixed rate that’s easier to predict and plan around.
Trusted by Australian businesses.
