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CREDIT CARD SURCHARGING

The Government has changed the way credit and debit card transactions are processed in Australia which came into effect on 1 September 2017. There are two main changes:

  • The introduction of a cap on interchange fees. Interchange fees are paid by Visa and MasterCard to the bank that provides your business a merchant facility.
  • Refined the criteria for what a business can surcharge a consumer when they choose to pay by credit card.

AFTA has been actively involved with this process since 2015, advocating throughout the credit card surcharging review making submissions and holding multiple meetings with the Reserve Bank of Australia, Treasury officials and industry.

AFTA has successfully advocating for surcharging continuation and that Forward Delivery Risk (as a result of no fault third party chargeback) was included as a permissible cost of acceptance to be included in the surcharge.

In June 2017 AFTA also launch the AFTA Insolvency Chargeback Scheme (AICS) which will protect approved ATAS accredited travel agents in the event of a chargeback which is a result from a supplier collapsing.

More information can be found on the AICS website and current ATAS travel agents should register their interest to ensure you don’t miss out on being covered.

The below information is provided by AFTA as general advice and each business should seek professional advice from an adviser on their specific circumstances.

AFTA Webinar > Staying up-to-date with Electronic Payments

If AFTA members have further questions they can contact AFTA’s on AICS@afta.com.au or call us on 02 9287 9900.


Understanding the changes to electronic payments and credit card surcharging

AFTA has developed the following introductory briefing on the recently announced changes to credit card surcharging.

The briefing note explains in plain English what the changes are and when they will be implemented.

Updated 29 August 2017.

CREDIT CARD SURCHARGING FACTSHEET
Electronic Payment Surcharge consumer fact sheet for Travel Agents

This fact sheet will only be current until 31 August 2017 and should only be used by small business.

AFTA members are invited to download the below information sheet that can be used if consumers raise the issue of credit card surcharging after the recent announcement by the Commonwealth Government of possible changes to credit card surcharging in the future which was updated in May 2016.

We hope that this information sheet will be useful in answering any questions that may be raised by consumers or employees about your current surcharging practice, should you choose to have one.CONSUMER FACT SHEET

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AFTA Insolvency Chargeback Scheme (AICS)

To learn more or to register your interest in AICS click here.

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