1 OCTOBER 2026 · 21 DAYS

Your card fees drop 1 Oct. Your rate won't.

Everyone's talking about losing the surcharge. Nobody's mentioning the other half: the same day, the RBA cuts what Square, Tyro and Zeller pay. If you're on a flat 1.6%, your price doesn't move. Their cost collapses. They keep the gap.

What the RBA caps on 1 Oct	Before	After
Debit & prepaid interchange	~0.50%	8c flat
Consumer credit interchange	0.80%	0.30%
Foreign-issued cards	uncapped	1.00%
Your flat rate with Square / Tyro / Zeller: unchanged. Nobody renegotiates it for you.

Check your rate — 60 seconds, no signup

Who takes your card payments

Your rate today (%)

Card takings / month ($)

Average job value ($)

Paid on debit (%)

Prefilled with a typical $300k-turnover trade business. Put your own numbers in.

You're overpaying

$2,020

every year

You pay now—

Fair rate after 1 Oct—

Over 3 years—

How this is worked out: post-1 Oct interchange of 8c flat on debit and 0.30% on consumer credit, plus ~0.10% scheme fees and a 0.45% acquirer margin — a realistic competitive rate, not a best case. Your actual quote depends on your provider and volume. Estimate only, not financial advice.

Get it back before 1 October

Everything below lands in your inbox the second you pay. No account, no call, no subscription.

Part 1 — take back the fee

Your target rate, worked out for your volume$89The exact number to demand — not a range, a figure you can quote at them.

The renegotiation email$79Word for word. They match it or you leave — and it names the caps so they can't fob you off.

Provider comparison on the new caps$69Square, Tyro, Zeller, Stripe, CBA, NAB, Westpac. Switching costs and lock-ins included.

Least-cost routing switch-on$9920–40% off every debit tap. Off by default. Screenshots for your terminal.

Part 2 — stop the bleed

Your new hourly rate$89Recalculated so losing the surcharge costs you nothing. Rounded to a number clients accept.

Billable-hours reality check$149You think you're on $95/hr. Most tradies are on $62 once you count quoting and driving.

Compliant quote & invoice templates$59Surcharge line gone, bank-transfer discount wording in — the bit that's still legal.

Variation form$129"While you're here, could you also…" — signed on the spot, billed every time.

Unpaid invoice kit$199Four-step chase sequence, letter of demand, payment claim. State-specific.

Part 3 — go and earn

Dead quote revival sequence$249Three texts over ten days. Pulls back 20–30% of quotes you already wrote off.

Dormant client reactivation$199The 12-month "time for your annual check" message. Your old phonebook is free work.

Google review engine$179The text to send two hours after the job, plus the ute QR code. Reviews are your lead source.

Annual maintenance plan, packaged$299Turn one-off jobs into $199/yr recurring. 80 clients = $16k landing in a quiet winter.

Total value$1,887

Today$29

Get the pack — $29 One payment. Delivered instantly. No subscription.

If you don't get your $29 back, I refund you and you keep the lot. Email within 30 days, no questions, no form.

Won't my provider just drop my rate automatically?

Almost certainly not. Flat-rate plans are priced by the provider, not by the caps. When their input cost falls and your price doesn't, the difference is theirs to keep until you ask.

Can I still charge customers a card fee after 1 October?

No — not on eftpos, Visa or Mastercard debit, prepaid or credit. A "processing fee" that's really the same surcharge is still a surcharge. What stays legal: a discount for bank transfer or cash, and callout, after-hours and weekend fees. Both are written up for you in the pack.

I'm a one-man band. Is this overkill?

The opposite. Small operators sit closest to the caps, so you have the most to claw back — and nobody in the office to chase it.

What if my state's rules are different?

The card changes are federal and identical everywhere. The invoice, variation and unpaid-invoice documents come in NSW, VIC, QLD, WA and SA versions.

General information only — not legal or financial advice. Dollar figures are estimates based on the assumptions shown above the calculator. Your own costs depend on your provider agreement, volume and card mix.

Sources: RBA Conclusions Paper · RBA surcharge FAQ · ABA surcharging rules