From 1 October 2026, a surcharge can no longer be added when a customer pays by eftpos, Mastercard or Visa. For many businesses, the switch itself is small. Most of the thinking sits in the questions around it: what the cost looks like now, what can still be charged, and what's worth checking on the day. The cost of taking card payment stays with the business Removing the surcharge takes the fee off the customer's receipt. The cost of accepting the card is still there, and fr