Disclaimer: General information only, network rules change, confirm with your payment provider.
1. Add documents
Invoices, quotes, menus, price lists, signs, terms and conditions. Files stay on your device.
Sample menu This is made-up text to show how the check works. It isn't your document and it isn't saved.
Ready. Loading rules…
2. Results
How it works
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Add your documents
Choose menus, invoices, quotes or photos of signs, or paste some text. They stay on your device.
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See what to fix
Each line is marked Remove, Check, Allowed or OK, with the reason and a suggested fix.
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Reset your prices
Build card costs into your prices, then update your menu, price list and signs.
Card surcharge wording in Australia: before and after
Before
Card surcharge 1.5%
After
Prices include card processing costs
Delete the surcharge line and build card costs into your prices. The ACCC says card costs should be reflected in overall prices.
Before
Sunday surcharge applies
After
A surcharge of [percentage] applies on Sundays
Weekend and public holiday surcharges are still allowed if they apply however people pay. Cafes and restaurants should state the percentage and the days, at least as prominently as the most prominent menu price.
Don't just rename a card surcharge as a service, admin or processing fee: the ACCC says that may be misleading. General information only, not legal advice.
3. Manual checklist (things this tool can't read)
What changed on 1 October 2026?
From 1 October 2026, businesses in Australia can no longer add a surcharge for payments made with Visa, Mastercard, American Express or eftpos cards (ACCC: Card surcharges).
Which surcharges are still allowed?
Fees that don't depend on how the customer pays, such as a weekend or public holiday surcharge, are not covered by this change. A cafe or restaurant with a weekend or public holiday surcharge must say "A surcharge of [percentage] applies on [day or days]" on the menu, at least as prominently as the most prominent price (ACCC: Price displays).
Can I build card costs into my prices?
Yes. The ACCC says card costs should be reflected in overall prices. Don't rename a card surcharge as a service, admin or other fee, which the ACCC says may be misleading, and don't blame a price rise on the change if other costs also went up.
General information only, not legal advice. Rules can change, so check the ACCC pages and confirm with your payment provider.
About the rules
Rules checked on 2026-10-26. Rules are loaded from rules.json.
- ACCC: Card surcharges: From 1 October 2026 businesses can no longer add a surcharge for payments made with Visa, Mastercard, American Express or eftpos cards. Weekend and public holiday surcharges, and other fees not based on how the customer pays, are not covered. Card costs should be reflected in overall prices; describing a card surcharge as another fee may be misleading.
- Card networks' no-surcharge information (Mastercard, Visa, eftpos): Network information about the no-surcharge rules, linked from the ACCC page.
- ACCC: Price displays: Display the minimum total price as a single figure. Restaurant/cafe weekend and public holiday surcharges are exempt from the total price but the menu must say "A surcharge of [percentage] applies on [day or days]" at least as prominently as the most prominent price. Payment-method discounts: show the full price, never less prominent than the discounted price.
Out of scope: crawling websites, accounts, storing files, legal advice, non-Australian rules.
Disclaimer: General information only, network rules change, confirm with your payment provider.