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RBA card surcharge changes are coming

Mike_MYOB

You may have seen the recent announcement from the Reserve Bank of Australia (RBA) about changes to surcharging that will affect how businesses manage card fees.

If you accept card payments, here’s what you need to know and how we’ll help you prepare.

What’s changing

From 1 October 2026, eftpos, Visa, Mastercard and Amex will be introducing new rules to no longer permit businesses to surcharge card fees on domestic payments, including debit, prepaid, and credit cards.

For businesses, this means card fees can no longer be passed on to customers as a surcharge on any payments made after the changes take effect.

Get across the changes in our free webinar

Join our free webinar, RBA surcharge changes: what to expect from 1 October 2026, to understand what these industry changes mean for your business.

We'll walk through practical steps you can take to prepare, what to expect in MYOB, answer common questions, and share resources to help you get ready.

Date: Thursday 10 September 2026
Time: 12pm AEST
Where: Online webinar
Save your spot

What this change means for MYOB Business and MYOB AccountRight

We're updating the invoicing and payment workflows to ensure our invoicing feature remains a simple, secure and compliant way to accept payments online. This includes removing surcharging functionality, enhanced reporting how your customers pay you, and edge case handling (as with recurring invoices).

This change is worth planning for, and we’ll keep you updated as more details become available. We’ll share guidance on what it may mean for your MYOB settings and payment experience. Keep an eye on the Community or visit the Surcharge Change hub for updates. We’ll keep things clear, practical and focused on what your business needs to do next.

For more information, you can also see the ACCC guidance on card surcharges and the relevant MYOB Invoicing Service Terms and Conditions or MYOB Tap to Pay Terms and Conditions.

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H-TS

Here's another thought. Maybe when I turned off the invoice payment options since we are not in a position to absorb those costs, there could have been a reminder to change the settings on any recurring sale invoice templates? I've been on leave for two weeks and have come back today to realise that the template settings have not been overruled by the global system setting. I now, waaay too late, remember I had the same issue when we turned it on, that the options didn't appear on the invoices we were sending until I also then updated all the settings.

What a welcome back from a holiday.

AmandaMYOB

Hey @Sjacob

I noticed you made another post about this, I've responded over there! Will keep the conversation going over on that thread.

Sjacob

WARNING: I turned off online payments and now all the invoices that were open at that time are showing incorrect totals. For some unknown reason, turning off online payments affected the GST so now all the invoices (over 80 of them) are showing the GST exclusive amounts rather than the GST inclusive amounts (even though GST inclusive is ticked and I didn't change anything on the invoice except to turn off online payments). When I reported this to MYOB I was told not to do anything with the file until they figured it out. It has been a week now. MYOB has escalated the case and is now saying it is a known issue and other people's files are also affected (those who also turned off online payments). Just want to warn anyone that turning off online payments may render your entire file useless and unusable. I haven't been able to record payments on invoices or create any new ones for a week. They don't seem to be able to give any indication on when this will be fixed. I don't know how I'm going to do my BAS.

Mike_MYOB

Hi @doublet, I don't think that what you are experiencing is correct, and it would be worth connecting with our support team to check your settings.

To help others who might read this, I want to clarify some points that you have mentioned

MYOB withholds online payment funds for days
- Depending on when the payment was made and the bank's processing cut off time, it can take between 1 and 2 business days for the payment to appear in your bank account
We pay a monthly subscription to MYOB but still get 'stung' with fees for online payments.
- The monthly subscription fee is for your core accounting features which doesn't include the ability to accept credit cards as a payment type.
  Accepting credit cards is traditionally something you need to sign up for with your bank and then manually connect with/reconcile against your accounting software. We wanted to make this easier for businesses by integrating it into our software, and as such, for those who opt to use this service, there are fees for when a payment is made via credit card (the same as with a bank or other service)
Disabling online payments has reduced the functionality of emailing invoices
- This should not be the case.
- You can see the instructions for turning online payments off here and if you are having an issues with your invoices after doing this, there might be another invoice setting or something in an invoice template affecting this. It might be best for your to connect with our support team to get some individual advice on this

doublet

MYOB, you have essentially made it useless to use your emailing facility.
Not only do you intend to keep stinging us, your customers, who pay you a monthly subscription, for the cost of the transaction fee if our customers choose to pay by card, but you also withhold that money for days before we get it!
There is now NO incentive to use your email facility. I just checked, and if I turn off the online payment facility, and send my invoice via your email, there is no place where my customers can actually see the invoice! All they see is a screen with a total to pay, but no way to pay it.
The most useful thing about sending invoices via MYOB was the tracking - now, as I am compelled to actually send them a copy of the pdf, they have no need to go to the MYOB portal at all, so I will never know if they have looked at the invoice or not.
So, essentially, the only way to track the invoice is to risk them paying by card, and the transaction fee basically becomes the fee for being able to track whether or not they open the invoice.

AmandaMYOB

Hey @Project-Z @RochelleC

The upcoming changes will affect how businesses can pass on card payment costs (from you to the person paying the invoice), but it doesn’t mean the cost of providing payment services disappears (the fee from MYOB to you).

The fees associated with online payments (1.8%+25c) are being reviewed as part of the changes, but I do not know if/what the change will be. I would recommend registering for the webinar as we might know more by then and be sharing during the webinar. You can find the webinar registration details here to save your spot.

RochelleC

My question, it appears MYOB will still happily charge business users an inflated 1.80% fee if our clients use credit card options . There is no comment anywhere of how MYOB is helping apart from auto removing the option to cease passing on surcharges. It appears MYOB are happy to profit on our misfortune. If MYOB are not going to fix this or clarify then I will just remove the option for my clients to use credit cards. The annual cost to me as a small business by providing the client with options is not commercial

Project-Z

"This change removes the ability to pass Online Payment fees on to customers as a surcharge. It does not remove the underlying payment processing fee associated with accepting online card payments."

I thought this was the reason they were getting rid of the surcharges, because the actual cost of online/card payments is really very cheap. Why is it that it wont be reflected by MOST service providers? Time to look for alternatives I guess.