11/10/2026
Well, this is awkwardβ¦ π€
From 1 October, Australian businesses can no longer pass card surcharges on to customers β part of reforms promoted as easing cost-of-living pressure and saving consumers around $1.6 billion a year.
The card processing costs havenβt magically disappeared, though. Businesses still pay them. Weβre simply expected to absorb them, negotiate a better deal, or build them into our prices.
And then this little notification pops up in the ATO Business Portalβ¦
After 30 November, the ATO will stop accepting credit cards as a payment method.
So apparently when card processing costs land on a small business, theyβre a cost of doing business.
When they land on a government agencyβ¦ perhaps itβs time to stop taking credit cards. π
Of course, any costs borne by government ultimately have to be funded somewhere β which makes the whole thing just a little ironic.
Maybe the bigger conversation shouldnβt just be about who is allowed to pass the fee on.
Maybe we should keep asking why electronic payments still cost Australian businesses so much in the first place β and who is actually earning that money?
Because shifting a cost around isnβt quite the same thing as making it disappear.