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Tyro vs Competitors

Data updated as of 20/02/2025

EFTPOS Provider Comparison Matrix

Compare Tyro against Australia’s leading EFTPOS providers across key pricing models and fees.

Whether you’re a small business seeking flexible payment solutions or established retailer comparing costs, see how Tyro’s pricing structure, least cost routing, dynamic surcharging, and no lock-in contracts stack up against competitors to find the most cost-effective EFTPOS solution for your business.

 
Tyro
Westpac
CBA
NAB
ANZ
Square
SmartPay
Zeller
Adyen
 
Tyro Logo
Westpac Logo
CBA Logo
NAB Logo
ANZ Logo
Square Logo
SmartPay Logo
Zeller Logo
Adyen Logo
Pricing Options  
Simple 
 		 ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ –
Blended 
 		 ✔ ✔ ✔ ✔ ✔ ✔ – – –
Cost+ 
(Scheme Cost + Interchange & Acquirer Margin)		 ✔ ✔ ✔ ✔ – – – – ✔
Card Based Pricing ✔ – – – ✔ – – – –
No Cost Eftpos 
(flat rate incl. of terminal rental)		 ✔ – – – – ✔ ✔ ✔ –
Dynamic Surcharging ✔ – ✔ – – ✔ ✔ ✔ ✔
Tipping ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
Least Cost Routing ✔ ✔ ✔ ✔ ✔ ✔ – – ✔
Standard Pricing / Fees   
Terminal Rental $29 $24.75 $29.50 $25 $34.95 N/A NCE N/A N/A
Purchase Outright N/A N/A N/A N/A N/A $329 N/A $199 Various
Chargeback Fee $0 $33 $30 $25 – $0 – $0 Various
Set Up Fee $0 $0 $0 $0 $0 $0 Yes $0 $0
Lock-In Contracts No Yes Yes Yes Yes No Yes No Yes
Cancelation Fee No Yes Yes Yes Yes No Yes No Yes
Sim Card Costs $0 – $0 – – N/A $0 $15 Various

Competitive data on this page was collected on 20/2/2025 and is based on information found on squareup.com, myzeller.com, commbank.com.au, nab.com.au, anz.com.au, westpac.com.au, smartpay.com.au, adyen.com.

This information is subject to change or update without notice. This page is for informational purposes only. You should contact the Tyro team for assistance in choosing the product that is right for you and most applicable to your business circumstances.