Differential Surcharging automatically adjusts the surcharge applied to a purchase based on the type of card and payment method your customer uses
What is Differential Surcharging?
Contactless transactions made with locally issued debit cards—including those in mobile wallets like Apple Pay or Google Pay—usually cost less to process than credit or international cards. Differential Surcharging adjusts the surcharge rate for these lower-cost transactions. That means the cost of payment processing is passed on more accurately and fairly to your customers.
IMPORTANT: The surcharge rate for contactless debit may be set by the bank that provides your merchant facility.
How it works
Your EFTPOS terminal automatically detects the card type and payment method, and then applies the appropriate surcharge rate:
- Domestic Debit (Contactless) – Lower surcharge rate applies
- Domestic Credit, MOTO & International Cards – Your standard surcharge rate applies
- Fallback rates – If a contactless card’s type or country of issue can’t be identified, the lowest rate applies by default; for other methods, standard rate applies.
IMPORTANT: Differential Surcharging only applies to Visa and Mastercard transactions.
Some cards may not provide enough data to determine the correct rate. In those cases, the terminal will follow the fallback behaviour above.
Register your interest
Interested in enabling Differential Surcharging for your business? Register your interest and we’ll contact you as soon as it’s available.