Keep more of
every sale.
Waratah Pay lets your customers pay straight from their bank with PayID and PayTo. You pay a flat $1 per payment, however big the order.
Payment confirmed
In seconds
Fees saved this month
$34
$1
Flat fee per payment
$0
Monthly or setup fees
Seconds
To confirm a payment
100%
Australian-owned
Card fees are now
your cost to carry.
From 1 October 2026, Australian businesses can no longer surcharge customers for eftpos, Mastercard or Visa payments. Every percentage point comes out of your margin. Waratah Pay moves checkout onto the bank rails Australians already use, at a price that doesn't grow with the basket.
A $2,000 sofa paid by card at 1.5% costs you $30. The same sale through Waratah Pay costs $1.
A checkout your customers already trust
Customers approve payment in their own banking app using PayID or PayTo. No card numbers to type, nothing new to sign up for.
- Hosted checkout, ready to link from your store
- PayTo for invoices and repeat payments
- Customer data stored in Australia
Know where every payment stands
Payments on the New Payments Platform confirm in seconds, day or night, weekends included. Your dashboard shows each payment as it happens.
- Confirmation in seconds, 24/7
- Live payment dashboard
- Choose when funds move to your account
One price. Nothing hidden.
A flat $1 per payment. No percentage, no monthly fee, no setup fee, no international processing markup.
- $1 per payment, any amount
- No monthly or setup fees
- No lock-in contracts
Start taking bank payments in three steps
Join the waitlist
Founding businesses lock in launch pricing.
Verify your business
A quick identity and business check, done online.
Add Waratah Pay to checkout
Share a payment link or add it to your store, and start saving on every sale.
How we compare
The same sale, three ways to take it.
Cost per payment
- Bank transfer
- Free, but manual
- Waratah Pay
- $1 flat
- Card payments
- Typically 1.5% to 3%
Surcharge passed to customer
- Bank transfer
- n/a
- Waratah Pay
- Not needed
- Card payments
- Not allowed from 1 Oct 2026
Payment confirmation
- Bank transfer
- Hours to days, checked by hand
- Waratah Pay
- Seconds
- Card payments
- Seconds
Live payment tracking
- Bank transfer
- Spreadsheets
- Waratah Pay
- Live dashboard
- Card payments
- Provider dashboard
Online checkout
- Bank transfer
- No
- Waratah Pay
- Built in
- Card payments
- Built in
Card chargebacks
- Bank transfer
- No
- Waratah Pay
- No
- Card payments
- Yes
| Feature | Bank transfer | Waratah Pay ✦ | Card payments |
|---|---|---|---|
| Cost per payment | Free, but manual | $1 flat | Typically 1.5% to 3% |
| Surcharge passed to customer | n/a | Not needed | Not allowed from 1 Oct 2026 |
| Payment confirmation | Hours to days, checked by hand | Seconds | Seconds |
| Live payment tracking | Spreadsheets | Live dashboard | Provider dashboard |
| Online checkout | No | Built in | Built in |
| Card chargebacks | No | No | Yes |
Be one of our founding businesses
"Feedback from our first prototype testers will appear here, with their permission."
Founding merchant
Your suburb
"Try the prototype, tell us what works, and help shape what we ship first."
Founding retailer
Your suburb
"Founding businesses keep launch pricing when Waratah Pay goes live."
Founding trade business
Your suburb
COMING SOON
Try the checkout
before we launch.
Tell us a little about your business and we'll email you a link to the interactive prototype straight away. Click through a real payment flow, then tell us what works and what doesn't. You'll join the waitlist and lock in founding pricing at the same time.