Payments industry bodies and card schemes have set up a central information resource to explain the changes that take effect on 1 October 2026, when merchants in Australia will no longer be allowed to add surcharges to card payments. The site aims to help consumers and businesses understand what the new rule means in practice, and what they should do before the rule becomes effective.
What the rule is and when it applies
The resource was produced by a group of payments industry participants. AusPayNet, Visa and Mastercard are named among the organisations behind the information hub. Other industry players, including eftpos, are promoting the site as a source of consistent guidance for merchants and customers. The site's domain is cardsurcharge.com.au.
Merchants will need to adjust pricing, point-of-sale messaging and transaction flows so that they do not present a separate surcharge on card payments. The website provides practical detail aimed at businesses of different sizes about how to comply with the new rule, including information on how to present payment costs to customers and how to update terminals and online checkout messaging.
- Review point-of-sale and online checkout messaging now and remove surcharge line items before 1 October 2026.
- Confirm with payment service providers and terminal vendors that software and receipts will comply with the no-surcharge rule.
- Decide whether to absorb card acceptance costs, adjust pricing, or make other operational changes and communicate them clearly to customers.
Consumers who want clarity can consult the industry site for simple explanations of what to expect at payment. If a merchant continues to present a surcharge for the affected card schemes after the effective date, the site points customers to the authoritative rule and guidance on next steps.
The industry-run site provides a single place for factual, practical information ahead of the ban on card surcharges on 1 October 2026. Merchants should use the interval before the rule to update systems and customer communications. Consumers should see fewer point-of-sale card surcharges once the rule is in effect.