Competitor Comparison Matrix

	Tyro	Westpac	CBA	NAB	ANZ	Square	SmartPay	Zeller	Adyen

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	✔	✔	✔	✔	✔	✔	✔	✔	✔
Tap & Save (Least Cost Routing)	✔	✔	✔	✔	✔	✔	✔	✔	–
Standard Pricing / Fee’s
Headline Rate	1.4%	1.2%	1.1%	1.15%	1.1%	1.6%	NCE	0.014	–
Minimum MSF	$0	$22	$25	$25	$27.50	$0	NCE	0	–
Terminal Rental	$29	$24.75	$29.50	$25	$34.95	$0	NCE	$0	Negotiable
Purchase Outright	–	–	–	–	–	$329	–	$259	–
Chargeback Fee	–	$33	$33	$25	$43	n/a	–	–	–
Set Up Fee	No	No	No	No	No	No	Yes	No	–
Lock-In Contracts	No	Yes	Yes	Yes	Yes	No	Yes	No	Yes
Cancelation Fee	No	Yes	Yes	Yes	Yes	No	Yes	No	Yes
Other Fees	–	–	–	$10 integration fee	$10 integration fee	–	–	$15/mth SIMcharge	–

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

✔

Tap & Save
(Least Cost Routing)

✔

–

Standard Pricing / Fee’s

Headline Rate

1.4%

1.2%

1.1%

1.15%

1.1%

1.6%

NCE

0.014

–

Minimum MSF

$0

$22

$25

$27.50

$0

NCE

0

–

Terminal Rental

$29

$24.75

$29.50

$25

$34.95

$0

NCE

$0

Negotiable

Purchase Outright

–

$329

–

$259

–

Chargeback Fee

–

$33

$25

$43

n/a

–

Set Up Fee

No

Yes

No

–

Lock-In Contracts

No

Yes

No

Yes

No

Yes

Cancelation Fee

No

Yes

No

Yes

No

Yes

Other Fees

–

$10 integration fee

–

$15/mth SIMcharge

–

Tyro Comparison Matrix

Tyro

Westpac

CBA

NAB

ANZ

Square

SmartPay

Zeller

Adyen

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