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Card surcharges

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how you guys avoid having the price increase?

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how you guys avoid having the price increase?

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On the record

Official documents, not forum opinions. · Sources checked 2 October 2026

01
RBA: surcharge questions and answersOfficial guidance
↗02
ACCC: card surcharge guidanceOfficial guidance
↗03
RBA: 31 March 2026 decisionOfficial announcement
↗04
2026 payment standards variation · F2026L00434Legislative instrument
↗
From the original
Businesses will still incur costs when accepting card payments after surcharging is removed.
RBA ↗

The briefing

Editorial summaries · linked to official sources

01

The change

From 1 October 2026, eftpos, Mastercard and Visa introduced no-surcharge rules. American Express also removed surcharging. Network exceptions and relevant laws still need to be checked.

Read the official source ↗
02

What is outside this change?

Weekend and public-holiday surcharges, and fees not based on the payment method, are separate from these card surcharge changes.

Read the official source ↗
03

What about business costs?

Card acceptance still costs businesses money. Costs may be reflected in overall prices. The RBA package also includes interchange reductions and fee-transparency measures.

Read the official source ↗
04

Who handles the rules?

Card networks and payment service providers enforce network no-surcharge rules. The ACCC handles consumer-law obligations, including misleading price claims.

Read the official source ↗
The regulator’s stated objectives

The RBA describes the package as intended to improve price transparency, reduce payment costs and strengthen competition. These are the regulator’s stated objectives, not a measured outcome of this forum. RBA ↗