Key functions
Surcharging
• A surcharge is an extra charge you can pass on to your customers
• It covers the cost of processing card payments
• You can only charge what it actually costs you to accept the payment
• This amount is known as the Cost of Acceptance
You can find more information about Cost of Acceptance and surcharging on the Commonwealth
Bank website at commbank.com.au/business/payments/help/surcharging-customers.
The Reserve Bank of Australia (RBA) introduced card payment regulations that limit the amount
merchants can surcharge for card transactions. You can find more information about the RBA
Standards on the RBA website at rba.gov.au/payments-and-infrastructure/review-of-card-
payments-regulation/conclusions-paper-may2016/.
How much can you surcharge?
You can surcharge customers (who pay by card) up to your Cost of Acceptance for that card type.
You can find this information on your monthly merchant statements.
How do I set up surcharging on my Smart terminal?
To enable surcharging you will need to contact with the Merchant Helpdesk team on 1800 230 177.
Once your terminal has been enabled you will need to determine your Cost of Acceptance and then
set your surcharging preferences on your device.
19 Commonwealth Bank of Australia | Smart User Guide
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