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PayDay News | Australian Payments News

The economics of A2A: the “fee free” illusion in real time retail

Senior Business Correspondent
18 Mar, 2026
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Michael Sainsbury
Senior Business Correspondent
18 Mar, 2026
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Comparisons with other territories used to push A2A retail business cases in Australia are misleading. In reality, buying a coffee, beer or train ticket is most likely cheaper with a debit card on your mobile.
The economics of A2A: the “fee free” illusion in real time retail
“We believe that transaction fees should be history,” Pyng CEO Dipra Ray (right) told a parliamentary committee last month. Background image created with AI.

Comparisons with other territories used to push A2A retail business cases in Australia are misleading. In reality, buying a coffee, beer or train ticket is most likely cheaper with a debit card on your mobile.

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