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Surcharge ban resources

Practical guides to the October 2026 RBA card surcharge ban. What changes, what it costs, and how to prepare your business.

Explainers

6 min read

Interchange fees explained — and what's changing in October 2026

Interchange fees are the wholesale cost of card processing. They're dropping in October 2026. Here's what that actually means for what you pay.

5 min read

How much will absorbing card fees cost your business in 2026?

Once surcharges are banned in October 2026, every dollar of card-processing cost comes out of your margin. Here's how to estimate the bite.

6 min read

The October 2026 RBA surcharge ban, explained for Australian businesses

From October 1, 2026, you can no longer pass card processing fees to your customers via a surcharge. Here's exactly what changes and how to prepare.

For accountants & bookkeepers

6 min read

Bookkeepers: what your clients need to know about October 2026

If you're a bookkeeper or accountant serving AU SMBs, here's the briefing pack for the October 2026 surcharge ban — what changes, what to advise, and red flags to look for.

Industry guides

5 min read

Hair & beauty: surcharge ban survival guide for salons and clinics

Service-based businesses face a different shape of the surcharge ban problem. Here's the hair, beauty, and clinic-specific approach.

6 min read

Retail merchants: surcharge ban survival guide

Retail-specific playbook for the October 2026 surcharge ban. Margin protection, pricing tactics, and what to negotiate with your provider.

7 min read

Hospitality merchants: surcharge ban survival guide

High volume, thin margins, and a surcharge ban hitting in 5 months. Here's the hospitality-specific playbook for the October 2026 RBA changes.

Comparisons

8 min read

Tyro vs Square vs APS vs Zeller — 2026 EFTPOS rates compared

Tyro, Square, Zeller, APS, Stripe — all advertise different headline rates. Here's how they actually compare for typical AU SMB volumes in 2026.

For AI agents, developers, and LLMs

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