40 NAB EFTPOS User Guide
SURCHARGE
Merchants have the ability to charge customers an additional fee for paying by debit or credit cards – surcharging.
The surcharge can be either a fixed fee or a percentage fee based on the value of the transaction.
A surcharge fixed fee amount that is greater than $3 or a percentage amount greater than 15% is prohibited by the terminal.
If you do decide to charge customers a fee for paying by a debit or credit card you will need to make sure you do not act
in a misleading or deceptive way.
You should ensure customers are aware of:
• The extra charge, and
• The surcharge rate before the transaction is entered into.
This can be done in many ways, including in-store notices or prominent messages on bills. Customers can choose whether
to pay the card fee or to use another form of payment, for example cash. The customer will have the option on the terminal
screen to not accept the surcharge and cancel the transaction.
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