Credit Card Surcharge Calculator (Australia)
Work out your credit card surcharge in Australia and see what changes when the 2026 ban lands. Surcharges on eftpos, Visa, and Mastercard are banned from 1 October 2026, so calculate how much your business will absorb once you can no longer pass the fee on, then find a cheaper provider.
Enter your surcharge rate to see this
Enter your current rate to see this
Enter the rate your provider charges you, if you know it.
The percentage you add to card payments at checkout.
The cheapest providers for your business
| Provider | Est. monthly cost | |||||
|---|---|---|---|---|---|---|
Westpac | No lock-in | Cheapest$214/mo | — | Visit Westpac | ||
NAB | No lock-in (60 days notice) | $231/mo | — | Visit NAB | ||
SumUp | No lock-in | $242/mo | — | Visit SumUp | ||
Zeller | No lock-in | $246/mo | — | Visit Zeller | ||
Square | No lock-in | $267/mo | — | Visit Square | ||
Stripe | No lock-in | $303/mo | — | Visit Stripe | ||
| Custom-pricing providers | ||||||
Adyen | IC++ + 0.6% + 13c | Free | Typically annual | Get a quote | — | Visit Adyen |
ANZ | Custom | Custom | Varies | Get a quote | — | Visit ANZ |
Bendigo Bank | 1.4% | From $19/mo | No lock-in | Get a quote | — | Visit Bendigo Bank |
Checkout.com | Custom | Free | Typically annual | Get a quote | — | Visit Checkout.com |
How we calculate this
- Assumed provider rate: we blend each provider’s published in-person and online rates, weighted by the in-person and online split you set above.
- Absorbed cost: your monthly card volume, multiplied by the share of transactions you surcharge, multiplied by your surcharge rate, shown as an annual figure.
- Estimated monthly cost: the blended rate applied to your volume, plus any published per-transaction and fixed monthly fees. A provider that does not publish a rate for a channel you use is shown as “Get a quote”, never ranked as cheapest.
- These are estimates. Published rates can change and your final pricing depends on your business. Confirm current pricing with the provider before switching.
Advising a client? Copy this result or save it as a PDF to send them.
Find your cheapest provider
See exactly what every provider would charge at your volume, with your numbers already filled in.
Credit card surcharge questions, answered
Card surcharges on eftpos, Visa, and Mastercard are banned across Australia from 1 October 2026. Foreign card interchange caps follow on 1 April 2027. Until October, surcharging within the current rules is still allowed.
The ban covers eftpos, Visa, and Mastercard, including debit, prepaid, and credit cards. American Express and other three-party schemes are not covered. From October you cannot add a surcharge on the covered networks.
Yes. American Express is not part of the ban, so businesses can keep surcharging AmEx transactions. You will need to stop surcharging eftpos, Visa, and Mastercard from 1 October 2026.
It depends on how much you currently pass to customers. Your absorbed cost is roughly your monthly card volume times the share you surcharge times your surcharge rate. Use the calculator above to see your annual figure.
Interchange caps are also dropping: consumer credit from 0.8% to 0.3% and debit from 0.2% to 0.16%. The RBA estimates this cuts merchant fees by about $910 million a year, so providers should be able to lower rates. You may need to ask, or switch, to see the benefit.
Least-cost routing sends contactless debit payments through the cheaper network, usually eftpos rather than Visa or Mastercard. It can noticeably reduce your debit fees. Ask your provider whether it is switched on for your terminal.
If you currently surcharge, absorbing those fees makes your provider rate matter a lot more from October. Comparing now lets you lock in a cheaper rate before the change. The comparison table shows the cheapest option for your volume.
Surcharging covered cards after 1 October 2026 will breach the rules, and the ACCC can take enforcement action. Update your point-of-sale settings and checkout pricing before the date. Surcharging on American Express remains allowed.