Payment Gateway
Securepay
Securepay through the acquisition of a number of other payment gateways (Camtech, Directone, Esec) is Australia’s largest payment gateway boasting over 40,000 customers. The NAB transact product was written by Securepay and underpins its offering. Securepay offers most major shopping plugins in its developer network. They are now owned by Australia Post.
| Product | Upfront Costs | Transactions Costs | Free Transactions per year |
|---|---|---|---|
| With Merchant Account Plan 1 | $395 | 45c | 0 |
| With Merchant Account Plan 2 | $800 | 27c | 3,000 |
| Without Merchant Account | $0 | 2.4% + extra for International cards | 0 |
SCNet
SCNet is based in Perth and has been providing payment gateways services for 17 years. It has traditionally dealt with larger corporations and boasts customers including Bunnings and Kleenheat Gas. SCNet has an extensive API which includes support for Direct Post, Direct Post iFrame, XML, Web Services, SOAP, RESTful and AJAX and has free plugins for most major shopping carts. SCNet also bundles an excellent free antifraud product at no cost and has full Xero integration.
| Product | Upfront Costs | Transactions Costs | Free Transactions per year |
|---|---|---|---|
| All-Rounder | $0 | 1.63% + 25c | 0 |
| Standard | $360 | 33c after 500 | 500 |
| Premium | $456 | 22c after 1,000 | 1,000 |
| Ulitmate | $780 | 20c after 3,600 | 3,600 |
eWay
eWay has also been offering payment gateway services for over 18 years and is the second largest gateway behind Securepay. They are now owned by Global Payments, a US company that has bought a number of payment gateways in Australia. eWay boasts a very extensive shopping cart plugin list, possibly the most out of all Australian gateways. eWay also offers an extensive API with support for XML and direct support for Xero.
| Product | Upfront Costs | Transactions Costs | Free Transactions per year |
|---|---|---|---|
| Fair Go | $0 | 2.6% | 0 |
| Community | $240 | 50c | 10 free per month |
| Budget | $360 | 60c | 5 free per month |
| VIP | $720 | 40c | 200 free per month |
Merchant Warrior
Merchant Warrior is a relatively new payment gateway based in Brisbane. Merchant Warrior also offers their products in multiple countries and has a straight forward pricing plan. There is an XML API available and there and most major shopping carts are supported. Merchant Warrior has a unique loyalty plan whereby the purchase of multiple years gives between a 10% and 20% discount and they promote heavily discounted transaction rates on upfront payments.Basic fraud protection is provided free.
| Product | Upfront Costs | Transactions Costs | Free Transactions per year |
|---|---|---|---|
| Basic | $400 | 45c | 0 |
| Small Business | $550 | 15c | 0 |
| Business Advantage | $650 | 13c | 0 |
| Premier | $5,000 | 7c | 0 |
| Premier | $7,400 | 5c | 0 |
| Enterprise | $14,600 | 4c | 0 |
eMatters
eMatters have also been offering their payment gateway for over 15 years and are based in Melbourne. They also have support for many of the widely used shopping carts and have a straight forward XML request API. Their pricing plans are straight forward and they also offer a pay by phone (IVR) and Direct Debit bank service.
| Product | Upfront Costs | Transactions Costs | Free Transactions per year |
|---|---|---|---|
| Entry | $420 | 45c | 360 |
| Plus | $792 | 33c | 1,400 |
| Premium | $2,640 | 22c | 12,000 |
| Charity | $132 | 28c | 0 |
Summary
As you can see there are a variety of plans to suit your needs from all payment gateways. The advent of “all in one” or non merchant account plans is quite new to some of the gateways and can provide an easier entry into the market because the merchant does not have to deal directly with the bank.
