What does 1 October cost you?

From 1 October 2026, separate surcharges on eftpos, Visa and Mastercard card payments are expected to disappear. Put in your numbers and see the margin at stake — and the small, per-item price adjustment that gets it back.

Your numbers

Monthly card sales$Everything you take on card in a typical month.Average order value$Total card sales ÷ number of orders.Current surcharge%What you add at checkout today. 0 if you don't surcharge.Card acceptance cost%From your merchant statement. Small businesses typically pay 0.85%–2%.

Margin at stake from 1 October 2026

$4,320/year

Your 1.2% surcharge currently offsets $360a month. From 1 October, that separate line is expected to disappear for eftpos, Visa and Mastercard card payments — the cost lands on your P&L instead.

Orders / month

1,071

At $28.00 average

Per-order pricing gap

$0.34

Spread across items by what each can carry

Card costs absorbed

$450/mo

At your 1.5% acceptance cost

What this means for your menu

Pricing in $0.34 per order does not mean +1.2% on everything. A 20–50c adjustment on low-sensitivity items — rounded to natural price points, with your traffic drivers left alone — typically covers it without a single customer conversation. Pay-E's repricing assistant does this maths per item and applies it in one click.

Estimates only — based on the RBA's March 2026 conclusions (surcharge ban and lower interchange caps from 1 October 2026) and typical small-business card acceptance costs per the ACCC. Your merchant statement has your exact rate. Read the full breakdown in our guide to the surcharge ban.

Pay-E applies this to your whole menu in one click.

The repricing assistant previews every item's new price, lets you protect your traffic drivers, and rounds to price points customers don't blink at. Pay-E online menu checkout keeps the customer price clear without adding a separate Pay-E card surcharge line.

Start free See pricing