Effective now: New EFTPOS surcharging rules are in effect — Australian merchants must review compliance before 1 October 2026
The EFTPOS changes will cost your business — unless you act now
New surcharging regulations, revised merchant fee structures, and least-cost routing mandates have fundamentally changed the economics of card payments for Australian small businesses. Find out exactly where you stand.
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$1,500
Average annual saving for merchants who switch to least-cost routing
~73%
Of small businesses are not yet compliant with the new surcharging rules
30 Days
Estimated time to fully optimise your payments setup with the right guidance
✔ RBA Compliant Guidance
✔ No Obligation Consultation
✔ Independent Advice
✔ Results in 5 Minutes
KEY REFORMS ─────────
Three changes every merchant needs to understand
The Reserve Bank of Australia and ACCC have introduced significant reforms. Here's what directly affects your bottom line.
Surcharge Cap Reform
Excessive surcharging is now more tightly regulated. Merchants can only pass on the reasonable cost of acceptance — you must be able to demonstrate your surcharge reflects your actual terminal fees or face penalties.
Least-Cost Routing (LCR)
Banks and terminal providers are now mandated to offer and enable least-cost routing by default. If you haven't confirmed LCR is active on your terminal, you're likely paying premium network rates unnecessarily.
Disclosure Requirements
New transparency rules require clearer disclosure of card-type fees at the point of sale. Non-compliant signage and receipts could expose businesses to ACCC investigations and consumer complaints.
IMPACT CALCULATOR
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Get clarity in a 20-minute conversation
Our payment specialists will review your current setup, confirm your compliance position, and walk you through exactly what — if any — changes you need to make. No sales pitch. Just straight answers.
→ Personalised review of your current merchant fee agreement
→ Confirmation of whether LCR is active on your terminal
→ Assessment of your surcharge compliance under new rules
→ A plain-English action plan you can implement immediately
→ No obligation — completely free for eligible small businesses
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