RBA Confirmed: Card surcharges will be banned from 1 October 2026 — check you're on the right rate →

How-to guides

Practical, step-by-step guides for Australian businesses navigating the 2026 surcharge changes and the cost of accepting cards. Each one walks you through the actions in order — from preparing for the ban to reading your statement and switching providers.

Where to start

If you're getting ready for 1 October 2026, begin with the preparation checklist and removing your card surcharge. To lower what you pay, work through calculating your cost of acceptance, reading your statement, enabling least-cost routing, and comparing providers. Every guide is general information only — not financial or legal advice — and all rates are indicative.

How to prepare your business for the surcharge ban (checklist)
A step-by-step checklist to get your business ready before 1 October 2026.
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How to remove a card surcharge from your terminal
How to switch off card surcharging on your terminal and checkout the right way.
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How to absorb card fees without raising your prices
Practical ways to take card fees onto the business without lifting your prices.
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How to switch merchant providers in Australia
A clear path to changing merchant providers without downtime or surprises.
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How to read your merchant statement and find hidden fees
Decode your merchant statement and surface the fees hiding in the fine print.
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How to calculate your cost of acceptance
Work out the one percentage that tells you what card payments really cost you.
Read the guide →
How to enable least-cost routing
Switch on least-cost routing so dual-network debit takes the cheaper rail.
Read the guide →

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