08/10/2026
Is it too late to change our position?
The ATO won’t absorb the card fees but small business should?
Since 1 October, Australian businesses can no longer pass card-processing costs on as a surcharge.
But merchant fees, terminal fees and transaction costs haven’t magically disappeared. They still come out of every sale.
Now the ATO is preparing to stop accepting credit-card payments after 30 November rather than absorb those costs itself.
So if a government agency says these fees are too expensive to carry, why is the local café, barber, gym or regional recovery studio expected to smile and wear them?
Consumers deserve transparent prices but small businesses also deserve a payment system that doesn’t leave them carrying the cost while the banks and payment providers still get paid.
Small-business owners: are you absorbing the fees, raising prices, or reconsidering card payments?
Satirical image. The financial pressure is real.
Final point. Are we becoming a communist country?
CostOfDoingBusiness