07/09/2026
If your business currently passes merchant fees onto customers, the upcoming changes might have you thinking…
😳 “Great… another cost my business has to absorb!”
But before we hit the PANIC BUTTON 🚨 — there are actually some positives here.
From 1 October 2026, card surcharging rules are changing in Australia.
And while that means many businesses will need to rethink how they recover merchant costs, it also gives us a brilliant opportunity to look at something we probably should be reviewing anyway…
👉 ARE YOUR PRICES ACTUALLY COVERING THE COST OF DOING BUSINESS?
Because merchant fees are just ONE business expense.
You've also got software, insurance, wages, super, rent, fuel, bank fees, bookkeeping, subscriptions and about 947 other little expenses nibbling away at your profit. 😂
So let's turn this change into something POSITIVE. 🙌
🌸 Review your pricing
Instead of a separate surcharge appearing at checkout, look at whether your overall pricing properly reflects your operating costs.
💰 Know what the fees REALLY cost you
Pull out your merchant statements and calculate the actual annual cost. You might be surprised!
🔎 Shop around
This is the perfect excuse to compare merchant providers and negotiate a better deal.
📱 Look at payment alternatives
Depending on your business, there may be lower-cost ways for customers to pay.
✨ Create a better customer experience
Simple, upfront pricing means customers know exactly what they're paying — without an extra charge appearing at the end.
📊 Give your whole business a PROFIT CHECK
If merchant fees haven't been reviewed for years… what other costs haven't been reviewed either?
And here's the biggest positive…
WE HAVE TIME TO PREPARE. 🙌
Don't wait until September 2026 and suddenly wonder what the hell you're going to do. 😂
Start looking at your numbers NOW.
At BAS and Balances, we don't want small businesses scared of change.
We want you INFORMED, PREPARED and making decisions based on your actual numbers.
✅ Review your pricing
✅ Negotiate better merchant fees
✅ Simplify customer pricing
✅ Explore cheaper payment options
✅ Review your overall profitability
Because sometimes a change we didn't ask for gives us the kick up the backside we needed to make our business better. 😉