Members save more with Windcave.

Transparent pricing, explained

A flat 5.75 cents per transaction on debit routed to eftpos — a fixed fee, not a percentage. On an average $40 sale, that’s a fraction of what percentage-based pricing charges. It includes tokenised Apple Pay and Google Pay debit taps as well.

Least Cost Routing (LCR) is enabled. Small debit taps under $10 automatically route via Visa/Mastercard debit networks at percentage pricing; everything above $10 routes to the flat 5.75c pricing on the Australian domestic eftpos network. The $10 threshold is set where these networks typically cross over, so routing picks the cheapest network for the overwhelming majority of transactions. Debit typically represents 70%+ of most retailers’ transactions with LCR enabled for dual-network cards.

Visa/Mastercard credit is priced at Interchange++ plus a fixed 0.16% margin, with every cost component itemised as its own line on your invoice — the most transparent pricing model in the market. (*Estimated comparison blended rate of 0.63% total for Visa/Mastercard consumer credit cards.)

Amex and international cards can be switched off if you don’t want them. Terminal rental is free for the first 12 months, terminal rolls are free, and setup is free. The agreement runs for 36 months — that’s what enables the fixed member debit pricing and 12 months’ free terminal rental.

This isn’t a small player. Windcave’s clients include BP, Subway, David Jones, The Good Guys and IKEA — and they run in-store payments for Lotto New Zealand’s 1,100-outlet network.

Comparing offers? Ask three questions

With the surcharge ban from 1 October 2026 there are a lot of payment offers around, some with worked examples that look compelling. Payments pricing is deliberately hard to compare, so before you sign anything, ask:

1. Is the quoted percentage the total you’ll pay, or a margin added on top of interchange and scheme fees?
2. Does it have least cost routing enabled?
3. What does it cost on your actual monthly sales mix, rather than on someone else’s example shop?

The honest answer to that last one only comes from your own numbers. Email a recent merchant statement to membership@localretailers.com.au and we’ll run your actual figures — for any offer you’re weighing up, not just this one.

Ready to apply?

Applying only takes a few minutes. Once your application is complete you can tell Windcave when you want your terminals installed.

If you hit any snags, contact Milica Kresovic, who heads the Windcave onboarding team: 02 8268 7731 or Milica.Kresovic@windcave.com.

Any questions at all, email membership@localretailers.com.au. We’d rather answer the same question fifty times than have a member sign something that isn’t right for their business.