Card surcharging has changed: what it means for your business

Changes to card surcharging are now in effect. Since 1 October 2026, businesses can no longer apply surcharges to eftpos, Mastercard, Visa or American Express payments. Weekend, public holiday and other surcharges can still apply, provided customers are clearly informed before they make a purchase.

We know many small business owners have already invested time and effort updating systems, training staff and reviewing customer information to meet the new requirements. These changes have come at a time when many businesses are also managing rising costs and other day-to-day pressures.

If you’re still working through the changes, you’re not alone. Taking the time to review your payment costs and pricing arrangements can help you make informed decisions about what works best for your business.

The ACCC’s pricing guidance focuses on ensuring customers can clearly understand what they will pay before deciding to buy.

For example:

• A convenience store displays a drink for $4.95 and the customer pays $4.95 regardless of whether they pay by cash, debit card or credit card.
• A business may continue to apply a public holiday surcharge if it is clearly disclosed. A sign could state, ‘A 10% public holiday surcharge applies today.’

Businesses may also offer discounts for particular payment methods, such as cash or PayID, provided customers can easily understand which payment methods qualify and how much they will save.

If you still have questions about the new arrangements, visit asbfeo.gov.au/card-surcharging for more information.