Card and payment surcharges in Australia and New Zealand

In Australia, you can no longer add a surcharge for paying by card: it ended on 1 October 2026. A public holiday or special date surcharge is still allowed. In New Zealand you can still add a payment surcharge, and the steps are below.

Australia: card surcharges have ended

From 1 October 2026, Australian businesses can't add a surcharge to eftpos, Visa, Mastercard or American Express payments. That includes online payments and Apple Pay and Google Pay. Where the surcharge settings used to be, the portal now says:

"Payment surcharges ended on 1 October 2026. Australian businesses can no longer add a surcharge to eftpos, Visa, Mastercard or American Express payments. Surcharges for a specific date — public holidays and other special dates — are not affected and can still be set under Special Dates."

What you can still do:

• Add a surcharge for a public holiday or other special date. Set it on the date in Menu Builder → Special Dates. See Close for a public holiday or special date.
• Check your EFTPOS terminal. A surcharge the terminal adds by itself is a card surcharge too, and we can't switch it off from here. If you use Tyro's dynamic surcharging (Integrated Surcharging under Settings → Eftpos Integration), turn it off in your Tyro terminal settings.

New Zealand: add a surcharge

1. Open Menu Builder.
2. Select Order Types & Payments in the left-hand list.
3. Scroll down to Surcharges, below the grid.
4. Set the surcharges you want (below).
5. Select Save Changes. The surcharges save with the order types and payments on that tab.

Surcharges moved here from Menu Settings on 3 October 2026.

Surcharge Online Payments

"Online orders: You may choose to add a surcharge for customers who pay at the online checkout."

Options are No surcharge, Fixed amount, Percent of order total and Automatic. With Fixed amount or Percent of order total, type the figure in the box beside the dropdown.

Surcharge Offline Payments

"Online orders: You may choose to add a surcharge for customers who pay offline, e.g. cash or card on fulfilment."

Options are No surcharge, Fixed amount and Percent of order total.

Surcharge Eftpos Payments

"POS and Kiosk orders: You may choose to add a surcharge for customers who pay using the eftpos terminal attached to your kiosk. Do not use this option if your eftpos is set up to automatically surcharge payments."

Options are No surcharge and Percent of order total. It applies to EFTPOS payments on the POS as well as the kiosk.

Don't surcharge twice

Read the second half of the Eftpos help text before you use it. Many EFTPOS terminals surcharge on their own, Tyro's Integrated Surcharging among them. If yours does, leave Surcharge Eftpos Payments at No surcharge, or the customer pays the surcharge twice. Surcharge in one place only.

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