Merchant Knowledge Centre

Plain-English guides to the October 2026 payment reforms — and what they mean for your costs.

Switching

How to negotiate better merchant fees with your bank before the surcharge ban

The RBA has said plainly that small businesses should be the biggest beneficiaries of October's interchange reductions [1]. Whether that happens at your business depends on a conversation most merchants never have. Here's how to have it — with the leverage, the script, and the traps.

Guide7 min

Switching

Why fewer than 1 in 10 Australian businesses switch payment providers (and why October changes that)

The RBA found that fewer than one in ten businesses switched their payment provider in 2024–25 [2]. Yet the spread between an average deal and a sharp one routinely runs to thousands of dollars a year at ordinary small-business volumes. This article is about the gap between those two facts — and why the October reforms are the rare event that closes it.

Guide6 min