About CompareEftpos
CompareEftpos exists because merchants are handed a rate and no way to tell whether it is any good. This site turns that into a number you can check.
Who writes this
David Johnston is a payments specialist with more than 20 years in banking and finance across Australia and the Asia-Pacific, having worked for Westpac, ANZ and NAB. His payments depth comes from sales and leadership roles spanning the government, education, community, corporate and institutional segments — managing sales teams, running key client portfolios, and partnering with third parties to build first-in-market solutions.
He has since left the corporate world to lead a number of projects across payments, covering software, consulting and broking. He consults to ISOs, PayFacs, resellers, and enterprise and SME merchants, including establishing licences with new acquirers. Through that work he has dealt with more than 20 payment service providers across gateways, acquirers and terminal manufacturers.
He has built payment brokering software now used by ISOs and resellers across Australia, and was invited to join the Payments Consulting Network as an Associate in 2023, where his work has included running merchant services and payments orchestration RFPs across Asia-Pacific markets. He attends invitation-only industry events run by Visa, Mastercard and the banks — small, highly specialised groups — and is invited onto industry round tables.
His expertise spans least-cost routing, interchange and scheme management, merchant acquiring risk, ISO, PayFac and reseller setup, and payment gateway integration, with direct connections across the card schemes (Visa, Mastercard, eftpos), acquiring banks and PSPs. He holds a Bachelor of Commerce.
Payment service providers worked with
Fiserv, ANZ Worldline, Checkout.com, Nuvei, NAB, Tyro, Live Payments, Cybersource, PAX, DataMesh, Quest Payment Systems, Payter, Amtek, Fat Zebra, Mastercard, American Express, Adyen, Windcave, TNS, Global Payments, Manoova.
In practice that means the guides here are written by someone who has worked in payments, not by a content team paraphrasing provider marketing. Where an article makes a claim about how interchange, routing or tokenisation works, it comes from someone who has had to implement it.
Areas of expertise
- Least-cost routing
- Interchange and scheme fees
- Merchant acquiring
- Payment gateways
- ISO, PayFac and reseller setup
- Card-present and card-not-present payments
- EFTPOS terminals
- Payments strategy and RFPs
- Merchant acquiring risk management
How we compare providers
We cost each provider against the same set of business shapes — turnover, transaction count, average sale — and report what each would actually charge. Rankings follow that arithmetic and the contract terms attached to it.
Where figures come from a provider's published pricing, we say when we last checked. Pricing moves, and a comparison table with no date on it is not worth reading.
Our commercial disclosure
CompareEftpos may receive commissions from time to time if it refers a new merchant. Providers cannot pay for a better ranking on this site.
Business details
- Operated by
- David Johnston
- ABN
- General questions
- info@compareeftpos.com.au
- Enquiries
- sales@compareeftpos.com.au