RBA Surcharge Ban · 1 OCTOBER 2026

Card surcharges
now banned.
Are you ready?

Australian merchants can no longer pass card fees onto customers. Here's what it means for your business — and how to pay no transaction fees at all.
Calculate my exposureRead the FAQs
What's changing

The ban — and what it means for your bottom line.

The RBA has now banned surcharging. That cost hasn't disappeared — it's just moved to you.

💳
No more passing on card fees.

From 1 October 2026, surcharges on Visa, Mastercard and eftpos are illegal. Businesses that currently surcharge must absorb the full cost themselves.

📉
Interchange fees drop — but not to zero.

The RBA is reducing the costs to accept payments — but merchants still carry ongoing acceptance costs.

🏦
Pyng remains transaction fee free.

Pyng remains transaction fee free. By using the NPP, we avoid costly networks such as Mastercard and Visa. This allows us to offer the lowest possible cost of acceptance to small businesses

How much are card fees really costing you?

Enter your numbers and see your exact post-ban cost burden — and how much you save by switching to Pyng.
Based on current Australian card fee averages
Reflects full merchant cost burden post October 2026
Pyng transaction cost: $0.00 — guaranteed
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Monthly card transaction value
$40,000/mo
Current monthly card fees
$600/mo
Post-ban monthly cost you absorb
$600/mo
Monthly cost with Pyng*
$29.00/mo
Your annual saving with Pyng
7200
From now on you must absorb these fees. Pyng eliminates them entirely.
‍
* All Pyng premium fees waived until 2027
Start saving - apply free →
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FAQs

Everything merchants need to know.

When exactly does the surcharge ban take effect?
Which card types are covered by the ban?
Will card processing fees actually go down?
How does Pyng have zero fees — before and after the ban?
Can Pyng fully replace my EFTPOS terminal?
How much does it cost to get started with Pyng?
Why Pyng

The only payment solution that's genuinely fee-free — forever.

🏦
Built on the NPP.

Australia's RBA-backed infrastructure. No Visa, no Mastercard, no interchange. Direct bank-to-bank means nothing to charge fees on.

⚡
Instant settlement.

Money hits your bank account in seconds, not days. No holding periods, no overnight batches. Your cashflow, your control.

🛡️
Zero chargebacks.

Bank-to-bank payments are final. No card fraud, no dispute process, no chargeback risk eating into your margin.

🎁
Built-in loyalty & cashback.

Launch punch cards and cashback rewards in minutes. Keep customers coming back — at absolutely no extra cost.

Stop paying card fees.
Start keeping what you earn.

Join hundreds of Australian businesses already on Pyng. Apply in minutes.

Apply now - it's free