🇦🇺 Australia · the surcharge ban hits 1 Oct 2026

Least-cost routing,
before the surcharge ban.

From 1 October 2026 you can no longer surcharge cards — so absorbing fees hurts. Route to the cheapest rail (PayTo A2A, eftpos) automatically through one integration, keeping your own acquirer’s rate, at a flat monthly fee, never a cut of your revenue.

Connect nowSee flat pricing
Oct 1
2026 — card surcharge ban
PayTo
instant A2A, ideal for subscriptions
0%
of your revenue taken
⚖️

You’ll absorb card fees

The RBA removes surcharging and cuts interchange from 1 Oct 2026. When you can’t pass card costs on, cheaper rails and least-cost routing go from nice-to-have to margin-critical.

🏦

PayTo changes the maths

PayTo (NPP account-to-account) is cheap and great for recurring. Add it plus Afterpay/Zip through one integration and auto-route each shopper to the lowest-cost option.

One integration. Every gateway.

PAYWAYS routes this rail through the providers already in production — add it without touching your checkout again.

🌐

One integration, every rail

Cards, local methods, wallets and bank transfers behind a single API, SDK and MCP server.

🔀

Switch-free routing

Change or add providers with a click — your store integration never changes.

🛡️

Verified, then settled

Every charge is re-verified against the provider before it counts; signed webhooks report back.

Keep your rate. Add a flat fee. That’s it.

Percentage gateways grow their cut as you grow. PAYWAYS never touches the money — it flows through your own acquirer’s raw rate. You add one predictable monthly fee.

Typical % gateway
1–4% of every sale, forever
PAYWAYS
From ~$3 / month, flat

Go live in three steps

01
01

Connect

Use our master account or your own keys — org, pay-key and gateway in minutes, zero paperwork.

02
02

Drop in the checkout

One script tag, an SDK call, a REST request or an MCP tool — whatever your stack speaks.

03
03

Get paid, verified

Every charge is re-verified against the provider before it counts; signed webhooks report back to your systems.

The surcharge ban hits Oct 1 — route least-cost, keep your own rate, flat monthly fee, never a cut of your sales.

Start freeConnect now