Card Surcharging Reforms Partner Messaging Guide

This guide serves as a resource for software partners to communicate effectively with their customers regarding the upcoming changes to card surcharging in Australia. The document outlines that starting from 1 October 2026, businesses will no longer be allowed to impose surcharges on Visa, Mastercard, eftpos, and American Express card payments. It emphasizes that while surcharges will be eliminated, payment processing costs will still be incurred by businesses. The guide details the phased transition beginning 1 July 2026, where newly onboarded merchants will not be supported to apply surcharges. Existing merchants will continue to receive guidance until the full implementation date. The document also provides key messaging points for discussions with merchants, including the importance of reviewing current surcharge practices and understanding payment costs. Additionally, it advises on updating customer-facing materials to align with the new regulations and offers a FAQ section addressing common merchant inquiries about the reforms.