Author
Dougal Anderson
Co-founder, Compayr
Dougal Anderson is a co-founder of Compayr, with over 10 years scaling end-to-end payment companies in Australia.
info@compayr.com.auArticles by Dougal Anderson
Your wholesale card costs fall on 1 October. Will your provider pass it on?
Wholesale card costs fall on 1 October. Whether it reaches your business depends on whether you're on a flat rate or interchange-plus. Here's how to check.
How to switch payment providers without losing a day of trade
Switching provider sounds risky — downtime, a gap in payouts, a contract you can't escape. Done in the right order, it's a quiet afternoon's work. Here's the Compayr switch checklist.
Do you really know what you pay? How to read your merchant statement before October
Ask ten merchants their card acceptance rate and eight will quote the headline number from their signup letter — which is almost never what they actually pay. Merchant statements bury the truth in fee codes, blended tiers and GST lines. Before October's reforms, you need three numbers off that statement. Here's how to find them in fifteen minutes.
Interchange-linked vs flat-rate merchant fees: which is actually cheaper?
Every merchant pricing plan in Australia is a variation on two ideas: pay one blended rate for everything (flat), or pay the true wholesale cost of each transaction plus a margin (interchange-linked, "cost plus"). Neither is universally cheaper. This guide shows you how to work out which wins for your business — with worked numbers at $50,000/month.
On a 'Zero Cost' EFTPOS plan? Prepare for an October bill shock
Around 20,000 Australian merchants run terminals where the monthly merchant fee is roughly $0 — because their customers pay it through a surcharge on every tap [3]. On 1 October 2026 that model is banned under the card scheme rules. If your terminal is Shift4 (formerly SmartPay) Zero Cost or Tyro's "No Cost EFTPOS", this article is your deadline notice.