Following the Review of Merchant Card Payment Costs and Surcharging, the Reserve Bank of Australia has ruled that surcharges on debit card and credit card payments will no longer be permitted from 1 October 2026.
This new ruling applies to all card types, including EFTPOS, Mastercard, Visa, American Express and any other card payment methods.
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Failure to disable surcharges may result in your merchant agreement being terminated by your bank or payment provider, preventing you from accepting card payments.
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Disabling Surcharges
To disable surcharges in your GTX system:
- Select System > System Files > Banking and Payments > Payment Types from the menu bar
- Open the relevant payment type(s) in Edit mode
- Set the Surcharge field to 0.00
- Click Save
- Repeat for all card payment types
Previous surcharges can then be incorporated into individual product prices, if required.
For more information, see the Reserve Bank of Australia's FAQ page.
You need to disable surcharges for all card payment types.
Merchant fees are not affected by the new legislation and can remain as they are.
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