(A)   No Merchant Facility:
You can still accept credit card payments through PayPal (AUD, USD, Euros)

Cost 2.6% + Transaction fee 30c for Australian payments, more for foreign payments.

(B)  Merchant Facility:

1) Medium volume:
Your customer’s credit card details are encrypted on a secure page and emailed to you. You decrypt the email using a private key (we provide) and a shared Secure Socket Layer (SSL) on our server.

Shared SSL is free but Cost $55 for setup of public and private encryption keys to share the Platypus Geotrust SSL certificate.
(+ your bank charges: setup + annual/monthly fee + transaction fee – shop around for bank charges).

2) Higher volume:
Your customer’s credit card details are encrypted on a gateway and sent to your bank for immediate credit to your your bank account.
Shop around for gateways and charges.
See https://www.eway.com.au/plans-pricing currently free setup and 2.6% for up to $2000 per month. (Less if higher volume). You require SSL installed on your website which is a further cost.