Überhöhte Transaktionsgebühren durch ungeeignete Zahlungsanbieter

Definition

Many Australian businesses use generalist payment processors like PayPal or international card rails for B2B payments, which incur higher fees than local solutions.[4][9] PayPal’s typical Australian merchant fee for domestic card transactions is around 2.6% + AUD 0.30 per transaction, while local processors and direct debit solutions (e.g. GoCardless, eWay, Airwallex) often charge materially lower rates or flat fees, especially for bank‑to‑bank transfers and local settlement.[1][4][5][9] A marketing agency paying AUD 2m per year to media vendors and freelancers via card at an effective 2.5% fee spends around AUD 50,000 in fees; shifting 50–70% of these payments to lower‑cost domestic debit or bank transfer rails at 0.3–1.0% yields savings of roughly AUD 15,000–35,000 annually. Agencies with significant cross‑border freelancer payments also face hidden FX margins of 2–4%; using multi‑currency accounts and like‑for‑like settlement can eliminate much of this spread.[4]

Why This Matters

The Pitch: Marketing agencies in Australia 🇦🇺 waste AUD 10,000–80,000 annually on avoidable card and FX fees when paying vendors and freelancers. Automation that routes payments via low‑cost local rails and multi‑currency wallets reduces fees by 30–70%.

Affected Stakeholders

CFOs and finance directors, Agency owners, Accounts payable staff, Procurement and vendor managers

Related Business Risks