One Low Rate with Simple Flat Rate

Make your EFTPOS predictable and easy to manage, with one flat rate for Visa and Mastercard transactions.

No Surprises. No Stress. Simple!

Get Simple Flat Rate and enjoy one low flat fee for Visa and Mastercard transactions. Know what to expect when you open your monthly statement, and say goodbye to bill shock.

Simple flat merchant fees

Pay the same flat rate for every transaction, no matter how your customer pays.

No lock-in contract

Know you’re getting the best rate with us: there is no minimum term and no annual fees^.

Get paid fast

Speedy settlement to your business bank account.

^ Waived $90 +GST set up fee on joining which you only pay if you leave before 12 months.

How It Works


Get a tailored rate for every Mastercard and Visa transaction - you’ll pay the same low percentage rate across these card types.


Say goodbye to grappling with interchange or scheme fees for every card and trying to decipher confusing statements. You’ll easily know what your EFTPOS fees will be.


Need help? Get 24/7 ANZ-based customer support from our team of experts, ready to lend a hand around the clock.
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How Much Could You Save With Simple Flat Rate?

Betty's Beauty is a Day Spa that averages a turnover of $20K a month. But around Christmas, Valentine's Day and Mother's Day, that can jump to around $30k per month.

When comparing her current offer from her bank, Betty realises she could save hundreds of dollars a year by switching to Smartpay's Simple Flat Rate.
Simple Flat Rate
Monthly Transaction Fees
Annual saving of over $500!*
* This is a fictional example of annual savings that Simple Flat Rate could provide based on real Smartpay customers' experiences.

Simple Flat Rate FAQs

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Get Started with Simple Flat Rate

Every month our Payment Specialists help thousands of businesses just like yours get the right payment solution. Let’s chat about your business today.

How Much Could You Save on Merchant Fees by Switching to Smartpay?

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