Surcharges end 1 October. Your card fees don't.
From 1 October 2026 you can't add a card surcharge in Australia. The fee your bank charges you is still there. We read your merchant statements, find what you're really paying, and show you how to cut it or price it in.
until surcharging ends (Melbourne time)
What are you really paying to take cards?
Grab your last merchant statement. Enter two numbers and see your effective rate, the surcharge income you're about to lose, and how much a menu price would need to move.
Estimates only, based on the figures you enter. Your real costs depend on card types, least-cost routing, online vs in-person mix and your provider's plan. Nothing you type here leaves your browser.
Surcharge-ban readiness checklist
Surcharges hide in more places than the EFTPOS terminal. Tick off each one. Your progress is saved on this device.
Start with your terminals.
How a FeeLens audit works
Send your statements
Three recent merchant statements as PDFs. Blank out account numbers first. We never need card or login details.
We read every line
Transaction rates, scheme fees, terminal rental, routing and anything you're paying that you didn't know about.
You get a plain-English plan
Your true rate, where the money goes, and three options: renegotiate, switch plan, or reprice.
Keep watch
Optional monthly check so fee creep gets flagged before it adds up.
Fee audit
- Line-by-line review of 3 months of statements
- Your true effective rate and fee breakdown
- Cost comparison against published plans
- 30-minute call to walk you through it
Or pay nothing upfront: 35% of the first year's verified savings. No saving found, no fee.
Book my auditRepricing plan
- How much each price needs to move, product by product
- Checklist for POS, online checkout, invoices and signage
- Customer-friendly wording for your menu or website
Monthly fee watch
- Forward each new statement, we check it
- Alert when rates or fees change
- Quarterly summary. Cancel any time.
Prices in AUD. Service scope is confirmed in writing before any work starts.
Waiting on invoices too?
If you invoice customers, late payments cost you cash and hours. We're building an invoice autopilot that plugs into Xero or MYOB and does the chasing for you.
- Friendly reminders that escalate on a schedule you set
- A pay-now link in every reminder
- Late-fee terms added to new quotes, so they're agreed upfront
- A weekly "who owes you" summary on your phone
Book a fee audit
Tell us a little about your business. We'll reply within one business day with where to send your statements.
Questions merchants ask
Does the ban cover Amex and PayPal too?
The RBA's ban covers eftpos, Mastercard and Visa. American Express, UnionPay and PayPal have said they'll also remove surcharging from 1 October 2026. Buy now, pay later services sit outside the RBA's designation, so check each provider's terms.
Can I offer a discount for cash instead?
Banks have said discounts for a particular payment method are allowed, as long as customers see the full price first. Check the ACCC's price display guidance before you change signage, and get advice if you're unsure.
Will my fees go down anyway?
The RBA is lowering interchange caps from 1 October, and statements will show a clearer fee breakdown. Whether that reaches you depends on your plan. Blended flat-rate plans may not pass savings through, which is exactly what an audit checks.
Do you need access to my bank or terminal?
No. We only need PDF statements with account numbers blanked out. We never ask for card numbers, logins or passwords, and we never touch your money.
Are you paid by payment providers?
Our fee comes from you. If we ever receive a referral payment from a provider, we tell you the provider and amount in writing before you decide, and you're free to ignore any recommendation.
Is this financial advice?
No. We analyse costs from your own statements and compare them with publicly available pricing. We don't recommend or arrange financial products. Decisions about providers, contracts and pricing are yours.
Important information
- General information only. Content on this site, the calculators and our reports are general information and cost analysis. They are not financial product advice, legal advice, tax or accounting advice. FeeLens does not hold an Australian Financial Services Licence and does not recommend, issue or arrange financial products.
- Your decision. Any choice to change provider, plan, contract or prices is yours. Check termination fees, contract terms and your obligations with your provider, and get independent professional advice where appropriate.
- Estimates, not guarantees. Calculator results and savings figures are illustrative estimates based on information you provide and publicly available pricing at the time. Actual costs and savings may differ. Nothing here excludes your rights under the Australian Consumer Law.
- Surcharging rules. Information about the 1 October 2026 surcharge changes is a summary of public statements by the Reserve Bank of Australia and payment providers and may change. Your payment provider and the RBA are the authoritative sources.
- Referral disclosure. If FeeLens receives any commission or referral payment from a provider, we will disclose it in writing before you act.
- Your data. We handle personal information in line with the Australian Privacy Principles. Only send statements with account numbers redacted. We never request card numbers, passwords or banking logins, and never handle client funds. Statements are deleted after the engagement unless you ask us to keep them.
- Figures cited. Invoice-chasing estimates in the calculator use your own inputs. Industry figures referenced elsewhere come from published sources and are provided for context only.
Last updated 24 September 2026. FeeLens · ABN [to be added] · Melbourne, Victoria.