ZenPay is the payments platform built for your industry, embedded in the software you already use, so getting paid is simple, not one more thing to manage.
From 1 October 2026, businesses can no longer add a card surcharge at checkout, following reforms announced by the Reserve Bank of Australia. The way your customers pay doesn’t need to change because of it.
Cards, bank transfers, PayTo and BPAY can all stay part of your payment mix, giving customers the choice they expect while you manage the cost of accepting payments a different way.
Customers still expect to pay by card, and for good reason. Interest-free periods help them manage larger or unexpected costs. Rewards and points are also something that plenty of people value. Cards tend to settle faster and fail less often than some alternative payment methods, and they can come with strong fraud protection built in.
Removing cards from your payment mix can shift these costs back onto your business in other ways, through late payments, lower completion rates on higher-value transactions and extra admin chasing failed payments. Keeping cards alongside other ways to pay gives customers the choice they’re used to, without giving up control over how you recover the cost of accepting them.
A broad mix of payment methods including cards alongside other options like bank transfers, PayTo and BPAY, gives customers more choice and gives your business more flexibility in how you manage payment costs.
Some customers will always prefer to pay by card, while others may move to options like bank transfers or PayTo. Either way, the payments keep coming in.
Surcharging is being removed, but there are still ways to manage the cost of accepting cards. Many businesses are building this cost into their pricing or introducing a consistent service fee that applies no matter how a customer pays. Book a demo and we’ll help you work out which approach fits your business, without limiting payment options for your customers.
ZenPay gives your business one platform to offer all the ways your customers want to pay, cards included. You keep the payment choice your customers expect. We handle making it work behind the scenes.
Talk to us about your current payment mix, your options and what the October changes means for your business.
Card surcharges are being removed under RBA reforms. Businesses can no longer add a separate surcharge line for card payments at checkout.
No. Cards remain one of the payment methods your customers expect and often use.
Many businesses are building the cost into their pricing or adding a consistent service fee that applies regardless of payment method. Book a demo to see what fits your business.
