Marlin GTX enables merchant fees to be automatically taken out of EFT payments.
Merchant Fees are payments made by businesses to payment processors for accepting card transactions (usually a percentage of the transaction value).
- Most merchant fees are charged on a periodic basis (e.g. monthly) and can simply be paid when due, using journals or supplier payments.
- However, some payment processors (e.g. Amex) charge a percentage per transaction.
If required, per-transaction merchant fees can be set up to be automatically taken out of payment type transactions and deposited in the Merchant Fee account.
Merchant fees are not Surcharges, which are what businesses charge customers to recover costs such as merchant fees, and are added on top of the sale price at checkout.
From 1 October 2026, the RBA has banned surcharges on all card payments (including Visa, Mastercard and EFTPOS). However merchant fees can still be charged to businesses by payment providers.
If businesses want to recuperate their merchant fee costs, they must now include them in the standard sticker price for each product, rather than as separate merchant fees.
For more information, see the Reserve Bank of Australia's FAQ page.
Setting Up Merchant Fees
From the menu bar:
- Select System Files > Banking and Payments > Payment Types.
From the Payment Type Maintenance list:
- Open an existing payment type in edit mode, or
- Add a new payment type by clicking on the Add button at the top of the module window
The payment type Details tab will open:
- Enter the Merchant Fee amount as a percentage
- Enter/edit any other necessary information
- Click Save
