Merchant GuidesLatest
Card Surcharge Ban: What Businesses Can Still Do
Card surcharges are ending, but businesses still have options.
card surcharge ban Australiapayment method discountszero transaction fees
6 min · 1 October 2026Read Article
Payments Knowledge Hub
Resources & Insights
Guides, explainers, and industry news to help Australian merchants and consumers navigate the changing payments landscape, including guidance on the October 2026 card-surcharge changes.
Payment Industry News
Is the RBA Really Banning Card Surcharges in Australia?
The RBA is not banning surcharges directly. Instead, it's enabling Visa, Mastercard, eftpos and American Express to impose no-surcharge rules from 1 October 2026. Understand the distinction and what it means for your business.
card surcharge changes 2026card surcharges Australia 2026October 2026 surcharge changes
12 min · 30 July 2026Read Article
Merchant Guides
Blended vs Interchange-Plus Pricing: Which Is Better?
Compare blended and interchange-plus pricing models. Understand how each works, why transparency matters, and what changes when the RBA cuts interchange on 1 October 2026.
blended pricinginterchange-plus pricinginterchange plus pricing Australia
8 min · 23 July 2026Read Article
Understanding Payments
PayTo Australia 2026: How It Works and What It Means for Merchants
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 agreementpayto paymentswhat is payto
8 min · 16 July 2026Read Article
Merchant Guides
Card Surcharge Changes from October 2026: What Australian Merchants Need to Know
From 1 October 2026, Australian merchants generally cannot add surcharges to eftpos, Mastercard, Visa or American Express payments. Learn which payments are covered, who is introducing the rules and how merchants can prepare.
card surcharge changes 2026RBAmerchant payment costs
10 min · 7 June 2026Read Article
Merchant Guides
How to Get a Merchant Account in Australia, and a Cheaper Alternative
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.
business merchant accountapply for merchant account onlineapply merchant account
8 min · 11 May 2026Read Article
Merchant Guides
How to Accept Payments with Zero Merchant Fees in Australia
Card networks charge 0.85–2% on every transaction. From October 2026, merchants cannot apply card surcharges to Visa, Mastercard and eftpos. Here is how QR code payments via QwikPay remove the fee entirely - not just reduce it.
zero merchant feesfee-free payments AustraliaNPP payments
9 min · 7 May 2026Read Article
Ready to add a $0 transaction-fee payment option?
Add QwikPay alongside your existing payment setup. Join before 1 October 2026 and receive 12 months of merchant access free.
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