Merchant Knowledge Centre
Plain-English guides to the October 2026 payment reforms — and what they mean for your costs.
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.
POS-bundled payments: are Lightspeed and Shopify POS worth the extra software cost?
For many retail and hospitality businesses, payments no longer arrive as a standalone terminal — they come welded to the point-of-sale software that runs the whole shop. Bundles like Lightspeed and Shopify POS deliver real operational value, but they change the cost question entirely: you're no longer buying a rate, you're buying an ecosystem. Here's how to price one honestly.
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.
The flat-rate trap: why Square and Zeller merchants might miss out on RBA savings
Flat-rate providers earned their popularity honestly: one rate, no lock-in, no rental, hardware you own. But the RBA's October interchange cut exposes the structural cost of that simplicity — when your provider's wholesale costs fall, your flat rate doesn't. This article explains the mechanics without the hype, so you can decide whether simplicity is still worth its new price.