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Merchant Payment Solution

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Monthly repayment from


Example interest rate

6.25 %

Comparison rate3

7.64 %

Total charges


Total repayments


Disclaimer: This calculator provides an estimate only and a comparison rate based on the example information provided. Other fees, costs and charges are not included. This calculation is not an offer for credit. The amount you can borrow may vary once you complete a loan application and all the details relevant to our lending criteria are captured and verified. Any calculations made by you using this calculator is intended as a guide only.

Merchant Payment Solution

With technology advancing at a rapid rate and internet shopping on the rise, paying for goods with cash in store is becoming much less common. Both businesses and customers are now relying heavily on alternative payment methods, but how do you find the best merchant payment solution for you?

First, what are the different payment types? From cash, debit card payments, credit card payments and bank transfers to online payments, mobile payments, personal loans or using buy now pay later, the different ways you can pay for goods and services in Australia is almost endless. There are many different merchant payment solutions available, and each company offers different tools and services, so you’ll need to do your research to find which payment merchant services are best for you and your business.

What are merchant payment solutions?

Merchant payment solutions refer to the gateway processing services supplied by payment providers to help businesses accept or process payments. Online merchant services help your business with payment processing and act as an intermediary between your business, your customers and banks. There are many different merchant payment solutions and payment platforms available not only from the big banks but from other loan companies or independent software developers.

A lot of businesses are now offering online payment services and many of the payment systems can be used in online stores as well as in a physical shop. Partnering with a merchant service provider can be a great way to increase sales and grow your business.

MoneyMe+ is a flexible merchant payment solution that is suitable for a wide variety of businesses across many industries including retail, automotive, green energy, health, education, entertainment and more. You can browse through our extensive list of MoneyMe+ stores and partners online. If your business wants to join the growing list of MoneyMe+ partners, becoming a MoneyMe+ merchant is easy, and it can be a great way to grow sales and increase customer loyalty. Once you submit the merchant sign up form online, one of our team members will get in touch with you. If you get accepted, you’ll get access to the MoneyMe+ online payment portal and our marketing collateral. By signing up for MoneyMe+, you’ll also get extensive brand exposure through our database of over half a million customers. 

The MoneyMe+ merchant payment solution gives your customers more spending power by allowing them to shop now and pay later for purchases up to $50,000 with interest free payment plans over set periods of time (eligibility criteria, terms & conditions and other fees and charges may apply). With our large range of physical and digital web assets, you’ll be able to advertise the benefits of MoneyMe+ to your customers through your website or physical store. We’ll also promote your business in our Store Directory that has more than 1 million unique viewers each year. In addition to this, your business will be featured in all relevant eDMs to our 500,000+ database. 

This is how it works; whenever a customer wants to make a purchase using MoneyMe+, you simply need to login to our online payment portal and enter the purchase price along with some other basic customer details. Your customer will then receive a text message containing a link to set up their MoneyMe+ account and finish their purchase. The whole process shouldn’t take more than a few minutes. As soon as your customer has completed the purchase, we’ll send you the funds (minus the merchant service fee). The money should appear in your account in a matter of minutes.

How much are the merchant fees?

There are many different merchant payment solutions available, and the merchant fees will vary between the different products and providers. Different fees that might be charged include monthly service fees, set up fees, equipment fees and more. When deciding which business payment solution is best for your business, it’s worth looking into the fees associated with each option.

MoneyMe+ is free to set up and there are no integration costs or lock-in contracts. However, the merchant will be charged a small merchant fee that is paid each time your customer makes a purchase from you using MoneyMe+. We make the process easier for you by taking the merchant fee out of the purchase price and then sending you the balance. You will be sent the purchase cost (minus the merchant fee) as soon as your customer completes their purchase. The funds should appear in your account in a matter of minutes. For further information about MoneyMe+ merchant fees, please speak to our sales team by calling 1300 388 564 8 (available Monday to Friday 8am-9 pm AEST or weekends 9am-9pm AEST) or email us at Or alternatively, send us a message via our website.

MoneyMe not only helps businesses, but we also help consumers with fast loans. We offer low rate personal loans including last minute loans ranging from $2,100 to $50,000. If you are looking for cash loans with fast approval, you can apply for MoneyMe loans online or via our mobile app. We also have the Freestyle virtual Mastercard® where you can get a line of credit up to $20,000. We have your finance needs covered so get in touch today.


Our customers

Merchant Payment Solution

Unbelievably easy finance when I needed it the most. A huge thank you from me and as a returning customer I know that I am getting a fair deal.

After 5 to 10 minutes of filling up my application, my loan has been approved and the money was in my bank account. I had a great experience that is why I'm giving them a 5-star rating. Excellent service. Thank you very much, MoneyMe.

Amazing through and through. MoneyMe helped me out when no one else would and they have been a delight to deal with. I 100% recommend their service. They're an absolute joy to deal with!


Review Stars Out of 2,701 reviews

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Transparent and
simple pricing

Interest rate

6.25 %
to 19.95 %

Comparison rate*

7.64 %
to 21.32 %

Establishment fee

$295 for loans between $2,100 and $5,000

$395 for loans between $5,001 and $15,000

$495 for loans between $15,001 and $50,000

Monthly fee


Loan terms

Minimum 1 year

Maximum 5 years

Early exit fees


*This comparison rate is based on an unsecured personal loan of $30,000 for a term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. A $495 establishment fee and $10 monthly fee applies.

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