EZYR × Fancini · June 2026

Payment Options at a Glance

Stripe, Shopify Payments, and Lightspeed Payments: pricing, trade-offs, and what matters for your custom online shop.

Stripe

Pricing (Australia)

Platform fee (monthly)A$0
Domestic cards (online)1.7% + A$0.30
International cards (online)3.5% + A$0.30
ChargebacksA$15 each
RefundsFee not returned

Amex included in domestic rate. No extra fee to issue a refund.

A$75 order · fee A$1.58 · you receive A$73.42

Pros

  • Only option that works as a true payment gateway on your custom website
  • Works with your standalone online product catalog, with no duplicate listings
  • Lowest total cost at typical online volume
  • Branded checkout stays on the Fancini site
  • Afterpay and Klarna available (separate BNPL fees, higher than card rates)

Cons

  • Separate Stripe Dashboard; not embedded in Fancini admin or Lightspeed POS
  • Online and in-store sales reconciled manually or via accounting export
  • Refunds processed in the Stripe Dashboard, not at your store terminal

Further considerations

  • Best fit for your custom website setup
  • Online orders live in your Fancini admin, separate from in-store POS

Shopify Payments

Pricing (Australia)

Platform fee (monthly)A$42
Domestic cards (online)1.75% + A$0.30
International cards (online)3.5% + A$0.30
ChargebacksA$25 each
RefundsFee not returned

Amex is 2.9% + A$0.30 (Shopify publishes a separate Amex rate). A$42/mo platform fee is additional (~A$504/yr before sales). Chargeback fee returned if you win. No extra fee to issue a refund.

A$75 order · fee A$1.61 · you receive A$73.39

Pros

  • Shopify handles PCI, fraud tools, and payment compliance
  • Familiar checkout experience for customers who shop on Shopify stores
  • Built-in fraud analysis when using Shopify Payments
  • Afterpay and Klarna via Shopify Payments (separate BNPL fees, higher than card rates)

Cons

  • Not a standalone gateway; customer redirected to checkout.shopify.com
  • A$42/mo platform fee on top of processing
  • Checkout leaves the Fancini domain

Further considerations

  • Requires a Shopify store subscription and Shopify-hosted checkout
  • Refunds handled in Shopify Admin, not from your Lightspeed till
  • You manage products in Fancini admin; we sync to Shopify for checkout

Lightspeed Payments

Pricing (Australia)

Platform fee (monthly)Included in POS
Domestic cards (online)2.31%
International cards (online)2.31%
ChargebacksA$15 each
RefundsFee not returned

Online rate is a flat 2.31% with no per-transaction fee. Amex included. In-store card rate is 1.5% (separate from online). eCom is included in your X-Series plan at no extra cost. No extra fee to issue a refund.

A$75 order · fee A$1.73 · you receive A$73.27

Pros

  • You already use Lightspeed X-Series for in-store and online
  • Refunds for online orders from your existing POS terminal
  • eCom already included in your POS subscription
  • Afterpay on online checkout (Afterpay merchant fees apply). Klarna in-store only
  • Stock and orders can stay in one system across your stores and the website

Cons

  • 2.31% online is the highest processing rate of the three
  • More setup on our side than Stripe; we handle the integration for you

Further considerations

  • Online orders and payments appear in your Lightspeed sales history
  • Refunds from your existing till (Sell → Sales history)
  • Lightspeed can be your source of truth for stock; we connect it to the website

Your plan: During our visit to your store we were able to create an API token from your Lightspeed dashboard. Lightspeed only enables that on the Plus plan (A$329/mo) or on legacy Pro/Enterprise plans, so we are assuming you are on one of those tiers.

Refund process

  • Lightspeed: Sell → Sales history → select order → Return items → Refund → Lightspeed Payments. Inventory and eCom status update automatically. Your Retail POS is the system of record.
  • Stripe: Refunds via the Stripe Dashboard. Online orders do not appear in your Lightspeed sales history.
  • Shopify: Refunds via Shopify Admin. Does not appear in your Lightspeed POS sales history.

Quick cost comparison

Monthly processing + platform fees at average A$75 order (domestic cards):

Monthly revenue Stripe Shopify Lightspeed
A$5,000 A$106 A$148 A$116
A$10,000 A$210 A$252 A$231
A$50,000 A$1,051 A$1,093 A$1,155
A$100,000 A$2,099 A$2,141 A$2,310

Based on domestic card rates and an average A$75 order. Shopify includes a fixed A$42/mo platform fee.

Security stack (confirmed)

All three providers are PCI-compliant when used as designed. Card numbers never touch your servers. The layers below show how your site protects customers and admin access.

Payment provider (Stripe / Shopify / Lightspeed) PCI SAQ-A · card data handled by provider · 3D Secure / fraud tools Application layer: OWASP practices Input validation · CSRF protection · secure headers · no card storage JWT authentication (admin) Signed tokens · short-lived sessions · role-based access to CMS / orders Cloudflare Workers + D1 + R2 Server-side order validation · webhook verification · edge compute Cloudflare (CDN · WAF · DDoS protection) Edge caching · bot mitigation · rate limiting HTTPS / SSL/TLS Encrypted connection between customer browser and Fancini site Customer Browser Card data never stored on your servers Request flow

Sources: Stripe AU pricing · Stripe BNPL fees · Shopify AU pricing · Shopify Payments refunds · Shopify chargebacks · Lightspeed Retail AU pricing · Lightspeed eCom payments · Lightspeed X-Series API · Afterpay merchant fees