How it works
Create your QwikPay account (free, takes minutes)
A unique QR code is generated for each payment
Your customer scans it with their phone's camera
The payment goes directly from their bank to yours via PayID
You get paid. No fees. No waiting.
Who it's for
QwikPay works for any business that wants to accept payments without paying merchant fees:
- Cafes and food stalls
- Market and pop-up vendors
- Tradies and sole traders
- Retail shops and boutiques
- Service businesses
If you're currently adding a surcharge to cover your card fees, QwikPay removes the fee entirely. Nothing to pass on.
Accept payments on your phone
No terminal. No hardware. No rental fee.
QwikPay works on any device with a screen. Display your QR code on your phone, a tablet, a printed card, or your counter. Customers scan it and pay instantly. The money lands in your account in seconds.
Accept payments online
QwikPay also supports payment links and QR codes that work for online payments. Send a payment link via SMS or email. Your customer pays directly from their bank account, no card details required.
Zero fees. No lock-in.
| What you pay | QwikPay | Card terminal |
|---|---|---|
| Setup fee | $0 | $0-$300 |
| Monthly fee | $0 | $20-$60 |
| Per transaction | $0 | 1.2%-2%+ |
| Lock-in contract | None | 12-36 months |
Card terminal figures are indicative. Rates vary by provider and plan. See our merchant fees comparison for a full breakdown.