15/10/2026
π³Do Your Customers Pay By Card? There's Been A Change You Should Know About.
If your business accepts card payments, recent changes to Australia's card-payment rules are worth knowing about.
From 1 October 2026, businesses can no longer add a separate surcharge when customers pay using major card networks, including eftpos, Visa, Mastercard and American Express.
For businesses that previously charged customers an extra fee to cover card-processing costs, this means taking another look at how those expenses are managed.
While some card-processing fees may reduce under the new arrangements, businesses still need to understand what they're paying to accept card payments.
So, what should business owners be looking at?
π Check your merchant fees. Do you know how much your business is paying to process card transactions?
π Review your pricing. If you previously passed card fees on to customers, have you considered how those costs will now be covered?
π Look at your payment arrangements. Are you getting competitive rates from your current payment provider?
π Consider the overall impact. Even small expenses can add up when your business processes a large number of transactions.
For businesses in retail, hospitality, trades and other industries where card payments are common, it's worth taking the time to understand how these changes affect day-to-day operating costs.
And while reviewing payment expenses may seem like a small part of running a business, keeping on top of changing costs is important for managing profitability and cash flow.
At World Class Finance, we help Australian businesses explore business finance options suited to their needs, whether they're looking to improve cash flow or support their growth.
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