Guides
Card fee guides
What a small business needs to know about card fees now that the cost sits in the price instead of on the bill.
Each guide answers one question owners ask after the surcharge ban: what to change at the till, how to find your real rate on a merchant statement, and whether a flat rate or interchange-plus pricing would cost you less. They quote the Reserve Bank’s own papers and the providers’ published prices, number every source at the foot of the page with the date we read it, and finish at the calculator, so you can try the answer on your own takings in under a minute.
- How the surcharge ban works at your counterThe card fee can't go on the bill any more, so it goes into the price; here is what to change, in the order a counter meets it.Updated · 3 min read
- How to read your merchant statementFour numbers on one page tell you what cards really cost your business, and they are the numbers any provider needs to quote you.Updated · 3 min read
- Is a flat rate or interchange-plus cheaper?On the RBA's figures, small businesses on interchange-plus pay less on average, but your card mix and volume decide which is cheaper for you.Updated · 3 min read
