Payment Systems (Regulation) Standards (Merchant Card Payment Costs and Surcharging) Variation 2026
Summary
The Australian Treasury has made the Payment Systems (Regulation) Standards (Merchant Card Payment Costs and Surcharging) Variation 2026 (F2026L00434), amending the existing merchant card payment costs and surcharging standards. The instrument is administered by the Department of the Treasury and came into force on 14 April 2026. The variation affects merchants, payment facilitators, and card issuers by modifying requirements related to merchant surcharging rights and cost transparency.
What changed
The legislative instrument varies the existing Payment Systems (Regulation) Standards governing merchant card payment costs and surcharging. The amendment modifies requirements that merchants must comply with when applying surcharges to card transactions, including adjustments to permissible surcharge levels or cost transparency obligations.
Affected parties—including merchants accepting card payments, payment processors, and card issuers—should review their current surcharging practices and policies to ensure alignment with the modified standards. Non-compliance with regulatory standards under the Payment Systems (Regulation) Act may result in enforcement action by the responsible regulator.
What to do next
- Review updated merchant card surcharging requirements under the new standard
- Ensure compliance with any modified cost disclosure or surcharge cap obligations
- Monitor for further guidance from Treasury on implementation
Archived snapshot
Apr 14, 2026GovPing captured this document from the original source. If the source has since changed or been removed, this is the text as it existed at that time.
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Payment Systems (Regulation) Standards (Merchant Card Payment Costs and Surcharging) Variation 2026
In force Administered by
- Department of the Treasury
Latest version F2026L00434 14 April 2026
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