Review card acceptance costs
Check transaction charges, terminal fees, settlement timing and other provider costs rather than relying only on the headline rate.
Prepare before 1 October 2026
Card surcharges end on 1 October. Is your business ready?
Australian businesses will still pay to accept cards, but may no longer be able to add a separate card surcharge. Review your payment mix and explore Pay by Bank before the change takes effect.
🏆 More than $1 million in payments processed
⚡ Real-time Pay by Bank
🇦🇺 Australian payment solution
The surcharge is changing. Your payment costs still matter.
The change applies to card-payment surcharges. It does not mean that the cost of accepting cards disappears. Small businesses should understand their current costs and decide which payment options suit their customers and margins.
Protect your margins
Understand which costs were previously recovered through a separate surcharge and how they may affect overall pricing after 1 October.
Offer another way to pay
Pay by Bank can complement cards by letting eligible customers authorise a payment directly through their participating bank.
Designed for everyday Australian businesses
ShaBaas Pay is particularly suited to businesses that send invoices, payment links or collect service payments.
Sole tradersGig and independent workersProfessional servicesTutors and educatorsTrades and home servicesAppointment businessesInvoice-based businesses
How to explore ShaBaas Pay
Start in the test environment, see the payment experience, then complete business verification when you are ready to accept live payments.
Create your test account
Register for access without enabling live payments.
Try Pay by Link or an invoice
Explore how you could request payment from a customer.
See Pay by Bank
Understand the customer bank-authorisation journey.
Complete onboarding
Submit business verification before activating live payments.
Prepare your payment setup before 1 October
Create a free test account or request a focused payment-cost review with the ShaBaas Pay team.
General information only. The surcharge changes apply to card payments covered by applicable network rules. Payment suitability, availability and pricing depend on your business requirements, customer bank and completed verification.