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Electronic Payments

In April 2015 the Reserve Bank of Australia (RBA) commenced an extensive review of the electronic payment systems in Australia as a result of the Financial Services Inquiry.

On 26 May 2016 the RBA released its conclusion paper and the new regulations for electronic payments in Australia. AFTA has been activity involved with this review making two submissions and holding multiple meetings with the RBA, Treasury officials and industry.

AFTA’s focus has been to advocate 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 which has been successful.

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 National Manager of Strategy and Policy, Dean Long at or  02 9287 9900.

An introduction to 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 20 July 2016.

introductory guide

Comprehensive Member advisory on changes to electronic payments and surcharging

AFTA has developed the following advisory to assist AFTA members following the announcement of the RBA announcing the new Standards (regulation) for the enforcement of the Competition and Consumer (Amendment Payment Surcharges) Act 2016.

This notice applies to the following electronic payments type

  1. Visa, MasterCard, American Express Companion credit cards (typically issued by a bank)
  2. Visa, MasterCard, American Express Companion debit and prepaid cards

AFTA member Advice

Electronic Payment Surcharge consumer fact sheet for Travel Agents

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.



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