Surcharged — Stop Paying Too Much
RBA CONFIRMED: Card surcharges will be banned from 1 October 2026. Your merchant rate is now everything.
RBA Surcharge Ban · 1 October 2026

You've been
Surcharged
long enough.

The RBA is banning card surcharges. From October 1, you absorb the cost. Make sure you're on the lowest rate in market — we compare 20+ providers for free.

183Days
00Hours
00Mins
00Secs
Get my free rate comparison See my potential savings
✓
20+ providers compared
✓
No setup fees
✓
We cover switching costs
✓
Nothing changes except your rate
$
Can't beat your rate? We pay you $100
Simple. Fast. Free.
Three steps to a better rate
01
Tell us your current rate
Takes 60 seconds. No documents, no fine print. Just your current merchant fee percentage.
02
We compare 20+ providers
Our team searches across Australia's leading payment providers to find you a sharper deal.
03
Save — or we pay you
If we can't beat your current rate, we hand you $100. No questions asked.
04
We handle the switch
No setup fees. No system changes. We cover switching costs. You just pay less.
Run the numbers
What's your rate costing you?

Adjust the sliders to see exactly what a rate reduction is worth to your business.

$
$5k $1M
1.50%
0.5% 3.5%
1.10%
0.3% 2.5%
At your current rate $1,500/mo
At target rate $1,100/mo
Monthly saving $400/mo
Estimated annual saving
$4,800
Based on your inputs above
$100
Can't beat your rate?
We'll pay you $100.

We compare 20+ Australian payment providers. If we can't find you a better deal, we'll hand you $100 — no catch, no paperwork.

★ Free · No obligation · 60 seconds
Get your free rate check

A specialist will be in touch within 2 business hours.

No setup fees. No obligation. Your data is never shared with third parties.
By submitting you agree to be contacted by a Surcharged specialist.

✓

You're on the list.

A specialist will be in touch within 2 business hours to run your free rate comparison.

Know another business owner still paying too much? Send them to surcharged.com.au

Powered by MerchantRates.com.au  ·  Comparing 20+ Australian payment providers

© 2026 Surcharged. Not affiliated with the Reserve Bank of Australia.

The RBA surcharge ban takes effect 1 October 2026. Source: RBA