PayChoice is an Australian payment platform that allows businesses to accept payments online, in person, and through automated direct debit.

What payment methods does PayChoice support?

Businesses can accept credit cards, debit cards, direct debit, and EFTPOS payments through the PayChoice platform.

What industries use PayChoice?

PayChoice works with businesses across many industries, including childcare centres, gyms, schools, charities, property managers, healthcare providers, and professional services.

Can PayChoice handle recurring payments?

Yes. PayChoice provides automated direct debit and subscription billing solutions that make it easy to collect recurring payments.

Yes. PayChoice uses a secure payment infrastructure and follows industry standards, including PCI DSS compliance, to protect payment data.

Changes to Card Surcharging in Australia

The RBA has announced reforms that are expected to result in surcharging on Visa, Mastercard, and EFTPOS card payments being prohibited from 1 October 2026. American Express has also announced its intention to prohibit surcharging from the same date. Learn what these changes may mean for your business and how PayChoice is preparing for the transition.

What is changing?

The Reserve Bank of Australia (RBA) has announced reforms that are expected to result in surcharging on Visa, Mastercard, and EFTPOS card payments being prohibited from 1 October 2026. American Express has also announced its intention to prohibit surcharging from the same date.

Does this affect all payment methods?

No. Based on the information currently available, these changes apply only to Visa, Mastercard, EFTPOS, and American Express card payments. Direct debit transactions using a bank account (BSB and Account Number) are not expected to be affected.

What card payments are affected?

Based on the information currently available, the changes are expected to apply to Visa, Mastercard, EFTPOS, and American Express card payments.

What payment methods are not affected?

The changes are not expected to apply to direct debit transactions using a bank account (BSB and Account Number). Businesses may continue to pass on applicable direct debit fees where permitted.

What happens if I currently use surcharging?

If you currently pass card transaction fees onto customers through surcharging, you may no longer be able to do so once the changes take effect. We recommend reviewing your pricing structure and payment processes ahead of the proposed implementation date.

Will PayChoice automatically remove surcharging?

PayChoice is currently preparing the necessary platform updates to support compliance with the new requirements. We will provide further information regarding implementation as additional details become available.

Will my transaction fees change?

The announced reforms relate primarily to how transaction fees are recovered, rather than the fees themselves. We are continuing to assess the impact of the reforms and will communicate any relevant changes separately.

Will this affect recurring payments and memberships?

No. Recurring payments, memberships, and payment schedules will continue to process as normal. The announced changes relate to the ability to pass card transaction fees onto customers through surcharging.

Where can I see how much I currently pass on in card fees?

You can review your settlements and transactions within the PayChoice CRM to identify the card transaction fees currently being recovered through surcharging. If you require assistance understanding the potential impact on your business, please contact our support team.

What if I don't currently surcharge?

If you do not currently surcharge card payments, no action is required at this stage. We will continue to keep merchants informed as further information becomes available.

What should I do next?

We recommend reviewing how much you currently recover through card surcharging and considering how the proposed changes may impact your business. If you would like assistance understanding the potential impact or discussing available options, please contact your Account Manager or our support team.

Will this impact my settlements?

Potentially. If you currently recover card transaction fees through surcharging, changes to surcharge arrangements may impact the amount recovered from customers. If you would like assistance understanding the potential impact on your business, please contact our team.

Will PayChoice notify me before the changes take effect?

Yes. PayChoice will continue to communicate with merchants and partners in the lead-up to the proposed implementation date, including providing guidance, FAQs, and reminders to help businesses prepare for the changes.

What if the requirements or implementation timeline change?

PayChoice will continue to monitor announcements from the RBA, card schemes and industry participants. If any requirements or timelines change, we will communicate these updates as soon as possible.