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RBA Transparency Reporting

Understanding payment fees

This guide is designed to help you understand Tyro’s average merchant service fees.

Reliable payments

99.99% payments processing availability 1, plus the backing for WiFi and Dual Sim connectivity at no additional cost.

Direct integration with your POS

580+ direct POS/PMS integrations without reliance on third parties, reducing risk of downtime.

Local service and support

We’re here when you need us, 7 days a week with our Australian based team.

See your money sooner

Same day settlement 7 days a week including weekends and public holidays with a Tyro Transaction Account 2.

Merchant Service Fees

Reporting period July – September 2026.

Merchant category
Merchant service fee (%)

All direct merchants(a)

0.94%

    Domestic(b) (card present)

        Debit and prepaid

0.79%

        Credit

1.12%

Merchant service fee rate = merchant service fees ÷ total transaction value. Source: Tyro Quarterly RBA Transparency_2026-10-01.
(a) Direct merchants refer to merchants for which the acquirer directly processes transactions (that is not a related entity of the acquirer, also known as a self-acquirer). It does not include transactions processed on behalf of a merchant indirectly via a payment facilitator (unless the payment facilitator is a related entity of the acquirer).
(b) Refers to transactions on domestic-issued cards acquired in Australia.
Source: RBA