Legal Disclaimer

This website provides general information and educational content about the Reserve Bank of Australia's 2026 surcharge reform. Nothing on this website constitutes financial product advice, financial services advice, legal advice, accounting advice, or any other professional advice of any kind. The assessments, calculations, P&L estimates, action plans, and negotiation scripts generated by this tool are illustrative estimates only and are not a substitute for advice from a qualified financial adviser, accountant, payments specialist, or legal practitioner.

nosurcharging.com.au does not hold an Australian Financial Services Licence (AFSL) and is not authorised to provide financial product advice under the Corporations Act 2001 (Cth). This service does not recommend, endorse, or advise you to enter into, exit from, or hold any financial product or arrangement. Before making any changes to your payment processing arrangements, pricing structure, or provider contracts, you should seek independent advice from a licensed professional.

All dollar figures, percentage savings, P&L impacts, and cost estimates produced by this tool are estimates based on publicly available data including the Reserve Bank of Australia's Conclusions Paper (March 2026), published interchange rate schedules, and average market rates. Your actual financial outcome will depend on factors specific to your business including your actual card mix, transaction volumes, payment provider contract terms, and decisions made by your payment service provider after 1 October 2026. Figures may differ materially from your actual result. nosurcharging.com.au makes no representation or warranty, express or implied, as to the accuracy, completeness, reliability, or suitability of any estimate or calculation produced by this tool.

nosurcharging.com.au is independent and has no commercial relationship, referral arrangement, commission agreement, or financial interest with any payment service provider, acquirer, payment facilitator, or financial institution named or referenced on this website. PSP names, contact details, and rate information are included for informational purposes only. Their inclusion does not constitute a recommendation or endorsement.

Most of the card surcharging and interchange changes took effect on 1 October 2026; the cap on foreign-issued card interchange starts on 1 April 2027. Some details still depend on decisions by card networks, payment providers and regulators, including the RBA's 2026 review of buy now pay later, American Express and digital wallets. Information on this site reflects our understanding at the date shown and may change.

To the maximum extent permitted by applicable law, nosurcharging.com.au, its operators, contributors, and affiliates exclude all liability for any loss or damage of any kind (including direct, indirect, consequential, or economic loss) arising from your use of or reliance on this website, any estimate or calculation produced by this tool, or any action or inaction taken in response to information on this website. Where liability cannot be excluded by law, our liability is limited to the maximum extent permitted under the Australian Consumer Law.

This website is operated from Australia. These terms and any dispute arising from your use of this website are governed by the laws of New South Wales, Australia.