Guides, explainers, and industry news to help Australian merchants and consumers navigate the changing payments landscape — including everything you need to know about the October 2026 surcharge ban.
PayTo is Australia's account-to-account payment system built on the New Payments Platform. Here is how PayTo works, how PayID fits in, and how QwikPay uses PayTo to enable $0 merchant transaction fees.
PayTo is one of the most significant changes to Australian payments in years. Built on the NPP, it lets businesses initiate real-time payments directly from a customer's bank account - with the customer's permission. Here's what it means and why it matters.
Most Australians have used PayID at least once. But few understand what's actually happening when money moves instantly between banks. Here's how Australia's payment infrastructure works and why it matters for businesses.
If you want to accept card payments as a business in Australia, you need a merchant account. But merchant accounts come with fees. Here's how they work, what they cost, and why more small businesses are looking for alternatives.
Card networks charge 0.85–2% on every transaction. The surcharge ban from October 2026 means you can no longer pass that cost to customers. Here is how QR code payments via QwikPay remove the fee entirely - not just reduce it.
Card surcharges become illegal on 1 October 2026. But the fees don't disappear - they hit your margin. Here's what the RBA actually decided, what it means for your business, and what to do before the deadline.
From 1 October 2026, Australian merchants cannot pass card surcharges to customers on eftpos, Mastercard, and Visa. But merchant card fees won't disappear - they'll come out of your margin. Here's what you need to know and do now.
Get set up before the October 2026 surcharge ban. Free for 12 months if you sign up before 30 August 2026.