{"id":2137,"date":"2026-07-23T23:57:14","date_gmt":"2026-07-23T23:57:14","guid":{"rendered":"https:\/\/platforms.worldpay-bsh.securedataplatform.com\/en\/?page_id=2137"},"modified":"2026-07-30T02:17:39","modified_gmt":"2026-07-30T02:17:39","slug":"merchant","status":"publish","type":"page","link":"https:\/\/platforms.worldpay-bsh.securedataplatform.com\/en\/rba\/merchant\/","title":{"rendered":"Reserve Bank of Australia: Merchant"},"content":{"rendered":"
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Reserve bank of australia<\/p>\n\n\n\n

Australia's surcharge rules are changing. <\/strong><\/h1>\n\n\n\n

Here's what that means for our merchants.<\/p>\n\n\n\n

Updated on 27 July 2026 <\/p>\n\n<\/div>\n <\/div>\n \n <\/div>\n <\/div>\n <\/div>\n <\/section>\n\n\n\n

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From 1 October 2026, businesses in Australia will no longer be permitted to apply a surcharge to Visa, Mastercard, eftpos or American Express (Amex) card payments.<\/p>\n<\/div><\/div>\n\n\n\n

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What this means for your business<\/h2>\n\n\n\n

If your business currently applies a surcharge to card payments, these changes may affect how you recover your payment costs. <\/p>\n\n\n\n

Payment processing fees will continue to apply. The key change is that these costs can no longer be recovered through a separate card surcharge to customers. <\/p>\n\n\n\n

As this is an industry-wide transition, changing payment providers will not alter this requirement. <\/p>\n\n\n\n

This Resource Centre brings together practical information to help you understand what is changing, what isn\u2019t changing, and the steps you can take to prepare.<\/p>\n\n\n\n

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Read the article - Card surcharge changes explained: What businesses need to know<\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n
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What this looks like in practice for merchants<\/strong> <\/h2>\n\n\n\n
Today (Before 1 October 2026)<\/strong> <\/td> After changes (From 1 October 2026)<\/strong> <\/td><\/tr>
Businesses can apply a surcharge to card payments <\/td>Surcharges on Visa, Mastercard, eftpos and Amex card payments are no longer permitted in Australia from 1 October 2026 <\/td><\/tr>
Payment processing fees apply when accepting cards <\/td>Payment processing fees still apply when accepting cards <\/td><\/tr>
Customers may see an extra charge at checkout <\/td>No separate surcharge can be added at checkout <\/td><\/tr>
Businesses may use surcharging to offset payment costs <\/td>Businesses will need to consider how costs are managed within their overall pricing model <\/td><\/tr>
Ancillary fees such as dishonour and admin fees can be passed on to customers   <\/td>There are no changes to these fees under the reform, the reform affects transaction surcharges only <\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div><\/div>\n\n\n\n
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What should I do now?<\/h2>\n\n\n\n

No immediate action is required for existing merchants. <\/p>\n\n\n\n

However, now is a good time to: <\/p>\n\n\n\n