Australian Credit Card Surcharging Ban: What It Means for Your MSP & How Cloud Depot RPS Protects Your Margins

Overview

Effective 1st October, new regulations across Australia officially ban businesses from passing credit card surcharges (processing fees) on to customers.

To ensure your billing remains 100% compliant with Australian law without any manual effort on your part, Cloud Depot RPS will automatically disable credit card surcharging across all payment profiles on 30th of September.

What Changes on 1st of October 2026?

• Automatic Surcharge Removal: Cloud Depot RPS will automatically turn off the surcharge calculation setting across all your active customer payment profiles.
• Fee Absorption Risk: Once surcharging is disabled, any client who pays an invoice via credit card will have the full processing fee charged to your merchant account, rather than passed on to the customer.

The Problem with Many Existing Payment Integrations

•  Limited Payment Flexibility: Your current setup may offer customers the same payment options, regardless of invoice value, customer type or whether the payment is for a recurring agreement or an ad hoc purchase. 

•  Lack of Granular Control: It can be difficult to keep credit cards available for smaller transactions while requiring direct debit for high-value invoices or selected customers. 
•  Manual Workarounds: Without automated payment rules, your team may need to adjust customer settings, update payment options or contact customers individually to arrange an alternative payment method. 
•  Costly Card Payments: A customer paying a $10,000 invoice by credit card can generate significant processing fees. If your business absorbs those fees, they can quickly erode your margins. 

How Cloud Depot RPS Protects Your Margins

Cloud Depot RPS gives you central control over your payment options

• Restrict credit card payments for selected high-value clients or recurring agreements.

   

• Set invoice value thresholds to automatically disable credit card payments above a specified amount.

   

• Automatically prompt customers to set up direct debit when a payment exceeds your configured threshold.

   

• Allow credit card payments for some customers while automatically restricting them for others.

   

• Enable credit card payments for recurring contracts while disabling or setting value limits on ad hoc card payments through the portal.

Recommended Action

1. Review High-Value Credit Card Clients: Identify clients currently paying large monthly agreements via credit card who would cause a margin hit if fees are absorbed.
2. Prepare to Update Payment Rules: Review your portal settings and prepare to apply global or granular restrictions once the new control suite goes live.
3. Transition Clients to Direct Debit: Encourage clients to set up Direct Debit for seamless, automated monthly payments.

Need Help?

Our support team is ready to assist you in preparing your Cloud Depot RPS

•  Support: Contact our team via the Support Portal or open a ticket in your dashboard.