About Fee Check

Fee Check is an independent Australian site, published by William Morphy (ABN 83 715 276 265). It isn't owned by, and doesn't work for, any company it compares.

Write to us at hello@feecheck.com.au: questions, corrections and complaints all go to that one address.

On 1 October 2026 card surcharges ended, and the cost of taking cards moved off the receipt and into every business’s prices. Many businesses that surcharged had never needed to know their real rate, because the customer paid it. Now the owner does.

Fee Check turns a month of card takings into one printed figure: what your cards cost a year, the price rise that covers it, and which of 11 published plans from 8 providers would cost least on the same numbers. It also sets your fees beside the Reserve Bank’s average merchant fees for the June quarter 2026, so you can see whether you are paying more than most. Everything runs in your browser from rates we read on each provider’s own pricing page.

Fee Check is free to use. Some links on this site are referral links: if you sign up or buy through one, we may earn a commission, at no extra cost to you. Commission never changes which plans we recommend or the order we rank them in. There is no advertising, and no company can pay to be listed, to rank higher or to be reviewed.

Plans are ranked by lowest fees a year on your numbers (transaction fees plus any rental), then lowest first-year cost including hardware. Your takings, average sale and card mix are the only inputs besides the published prices.

That is why the bank plans often come out ahead of the providers that run referral programmes: their published rates are lower, and we show them first when they are. Plans without a public rate, and providers whose prices we couldn’t read, are left out rather than guessed; the surcharge rules and the guides are sourced the same way.

The full method, and what we don’t cover

Every figure on Fee Check sits beside a link to its source and the date we checked it. The figures were last checked in full on 3 October 2026, and each page shows its own updated date.

Provider prices are read from each provider’s own pricing page, and we re-read the rules on the Reserve Bank’s next dates: 30 October 2026, when the largest providers first publish their fees, and 1 April 2027, when overseas cards get a cap.