Card fees, explained straight.
Plain-English guides to EFTPOS, card fees and payment providers for Australian businesses.
New: Earning points on business payments in Australia, a series on points for bills, suppliers, tax and card sales.
Card networks and big acquirers now have to publish their fees. What it means for your EFTPOS rate
From 30 October 2026 the RBA requires eftpos, Mastercard and Visa and the largest acquirers to publish card fee data every quarter. Who publishes what, when, and how to check your own statement against it.
EFTPOS rates compared: what each Australian provider advertises (2026)
Advertised in-person EFTPOS rates from Westpac, ANZ Worldline, CommBank, NAB, Zeller, Square, Stripe and FairPayments, with promo conditions, Amex pricing, terminal costs and sources, checked 29 October 2026.
What is least cost routing, and is it switched on for your business?
Least cost routing sends contactless debit card payments through the cheaper network, usually eftpos. What it saves according to the RBA, why it does little on a flat rate, and how to check whether yours is on.
Paying the ATO by credit card in 2026: the fee, the points and the June 2027 deadline
You can pay the ATO by credit card with no card fee until 30 June 2027. Platforms like pay.com.au charge a fee but usually earn full card points.
pay.com.au fees explained: platform fees, PayRewards and how the two stack
pay.com.au charges 1.00% to 1.20% on Visa and Mastercard by plan, plus optional PayRewards from 1.00%. Here is how the fees stack and when each plan pays off.
How to earn points on supplier payments in Australia (and when it isn't worth it)
You can earn card points on supplier bills through platforms like pay.com.au and Sniip, but only if your points are worth more than the 1% or so fee.
Qantas Business Rewards vs Virgin Australia Business Flyer: which suits a small business?
Qantas Business Rewards costs $89.50 to join and Virgin Australia Business Flyer is free. Compare eligibility, earning and points use for a small business.
Earning points on both sides of your business: payments out and payments in
Businesses can earn points on bills they pay and on card sales they take. Here is what each side costs and how to get the most from both in Australia.
How much does an EFTPOS machine cost in Australia? (2026 guide)
What an EFTPOS machine costs in Australia in 2026: buy and rental prices from Square, Zeller, Tyro and CommBank, the transaction fees that cost more than the machine, and the other fees to check before you sign.
How to find the best EFTPOS provider for your small business
Best EFTPOS rates aren't the whole story. A plain comparison of published Square, Zeller and Tyro pricing against FairPayments at three sizes of business, and the questions that pick the right provider.
How do I lower my EFTPOS rates? Start with the number on your statement
A practical way to cut your EFTPOS and card fees in Australia: find your real rate, see which fees you can actually move, check least cost routing, and know when switching beats negotiating.
The card surcharge ban started 1 October. What it costs you, and what you can still do
Card surcharges are gone in Australia from 1 October 2026. Real numbers for a mechanic workshop, a butcher and a panel beater, how to reprice without upsetting the ACCC, the 'loopholes' people ask about, and how to check your statement.