Guides
Payment guides for Australian businesses
Plain-English explainers on merchant fees, card surcharges, PayTo and Pay by Bank — written for business owners, not payment specialists.
Card Surcharge Ban Australia 2026: What Businesses Need to Know
What Australia's 2026 no-surcharge rules mean for your business and payment costs.
Read guideRegulationCan Businesses Offer a Pay by Bank Discount?
Instead of surcharging cards, some businesses are exploring discounts for lower-cost payments.
Read guideMerchant FeesMerchant Fees Australia 2026: What Businesses Pay
How merchant fees are structured, and how much they cost businesses each year.
Read guideMerchant FeesWhat Are Interchange Fees?
The difference between interchange fees and the merchant service fee your provider charges.
Read guideMerchant FeesHow to Reduce Card Processing Fees
Practical levers businesses can pull to bring down their payment processing costs.
Read guideMerchant FeesWhat Does a 1% Merchant Fee Cost?
Illustrative monthly costs at different processing rates and sales volumes.
Read guidePayToHow PayTo Works for Australian Businesses
One-off payments, recurring payments, ecommerce and APIs, explained.
Read guidePayToPayTo vs Credit Cards
How PayTo compares with card payments across authorisation, cost and refunds.
Read guidePayToPayTo vs Direct Debit
Why PayTo settles in real time where Direct Debit settles in batches.
Read guidePayToPayTo API for Software Platforms
How platforms can embed PayTo and Pay by Bank for their own merchants.
Read guidePay by BankWhat Is Pay by Bank?
A guide to account-to-account checkout payments in Australia.
Read guideIndustriesRestaurant Payment Processing Fees
Where EFTPOS, online ordering and pay-at-table costs come from for restaurants.
Read guideIndustriesOnline Ordering Payment Fees
How percentage card fees affect ordering platforms and restaurants.
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