Australia's central bank wants to ban surcharge fees on both debit and credit card transactions because very few consumers are now carrying cash or even keeping banknotes in their wallet.
The Reserve Bank of Australia's review of merchant card payment costs recommends the fees be scrapped on EFTPOS, Mastercard and Visa card transactions as they don't help consumers make more efficient payment choices.
Lowering the cap on interchange fees paid by businesses would also save Australians $1.2billion or $60 for every card-using adult, it said in a consultation paper published on Tuesday.
An interchange fee is paid by a business to a customer's card issuer when a transaction发生，通常会导致结帐时价格上涨。
'较低的互换费将减少商人提高消费者价格以补偿不再能够附加费的人的需求。信用卡和借记卡付款，不仅是联邦政府以前标记的借记卡交易。
''>'在所有指定的卡网络上完全清除附加费规则，'它说。
rba指出，大多数澳大利亚人很难避免使用少于三分之一的人甚至在钱包里携带钞票的卡费。
澳大利亚储备银行建议取消借方和信用卡附加费< /p>
司库吉姆·查尔默斯（Jim Chalmers）去年表示，政府准备在2026年初开始禁止借记卡交易费用，但从2026年初开始，RBA也希望在信用卡交易中禁止使用信用卡交易。 mean consumers would not need to switch between payment methods to try to avoid a fee.
Small businesses typically pay higher card fees, and many of them prefer accepting cash.
'Given that higher interchange fees are largely paid by smaller merchants, the benefits of lowering interchange caps would be most pronounced for smaller ``RBA论文说。 class =“ mol-para-with-font”>'我们认为是时候解决系统中一些高成本和效率低下的时候了。 src =“ https://i.dailymail.co.uk/1s/2025/07/15/01/10031/100315-14905683-image-image-image-image-a-1_17525401401409999.jpg” height on EFTPOS, Mastercard and Visa card transactions as they don't help consumers make more efficient payment choices" class="blkBorder img-share" style="max-width:100%" loading="lazy" />
The Reserve Bank of Australia's review of merchant card payment costs recommends the fees be scrapped on EFTPOS, Mastercard and Visa card transactions as they don't help consumers make more有效的付款选择
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The RBA proposed removing its own prohibition on 'no-surcharge' rules to achieve scrapping the fees.
It expected the card networks would then follow by implementing 'no-surcharge' rules based on historical experience and arrangements in other国家。
如果不发生，澳洲储备会建议联邦政府引入立法来禁止附加费。
降低企业的互换费用较高的小型企业，他们通常会付费，因为他们经常会给企业造成较高的class feer-fear-fear-fear-parga
中央银行发现，在变化下，小型企业将获得1.85亿美元的收益，其中90％的企业受益。
通过强迫卡网络和大型收购人发表费用来提高他们收取的费用，从而提高了更大的竞争，以促进网络之间的更大竞争。引发很多讨论，尤其是在确实有附加费的企业中，促使对该计划进行了为期六周的咨询期。
直到2026年7月才能进行任何变化。
求职者在周二发表的一份供应商，因为船舶付款不可能付费。 1998。
rba将提交到8月26日。
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