Australia’s card-surcharge changes took effect October 1
RBA explains the new no-surcharge network rules for designated card payments and where consumers and merchants can seek help.
What the record says
Eftpos, Mastercard and Visa introduced no-surcharge rules from October 1. Weekend, holiday and general service fees are distinct from a fee charged because a customer pays by card. Exceptions can depend on network rules or law.
Source details and supporting locations.
Practical next step
Consumers can query the business and relevant network; merchants should consult their payment provider.
Limits and what is not established
RBA does not directly regulate merchants. This is not the separate ATO withdrawal of credit-card payments from 2027, and it does not mean every kind of fee is banned.
Sources checked October 11, 2026. Later notices may change instructions or arrangements.
Original sources
Reserve Bank of Australia: original information