Who made this: Surcharge Sweep is our free checker, and we also sell a paid Price Reset Kit. This wording helper is free and was made by the team that runs both. You don't need either one to use it.
Disclaimer: General information only, not legal advice. This helper lays out wording. It can't tell you whether your prices or your discount meet the law. Rules can change, so check the ACCC pages and confirm with your payment provider.
What the ACCC and RBA say
- The ACCC says businesses can offer discounts to consumers who pay using a particular payment method, such as cash or PayID. The RBA says businesses can continue to offer discounts for particular payment methods.
- The ACCC says the price displayed must be the full price the consumer will pay if they do not receive the payment method discount. Businesses may also display the discounted price, but if they do, they must display it alongside the full price.
- The ACCC says businesses should not make the discounted price more prominent than the full price, and should not display only the discounted price.
- The ACCC says payment method discounts should be clearly disclosed before consumers choose to book, order or pay, and businesses should clearly explain which payment methods qualify for the discount and the discount amount.
- The RBA says businesses should consult their payment service provider and the ACCC guidance on appropriate pricing displays.
The ACCC's café example shows the full price first, then the discounted price:
Coffee:
Price: $5.00
With 5% cash discount: $4.75
For online prices, the ACCC's example is a banner reading “A 10% discount is available for all purchases made with PayID”, and “Products are displayed at the full undiscounted price throughout the website.”
The ACCC says of the café example: “The cash discount is clearly labelled, and the full prices are displayed just as prominently as the discounted prices.”
Our free checker treats a cash or PayID discount the same way: allowed only if the full price is shown and is at least as prominent as the discounted price.
Your item and discount
It runs in this browser tab, so nothing you type is uploaded. This page loads no analytics or tracking scripts.
The layout is fixed: there are no size or style options. In all three outputs the full price always comes first. On the sign preview it is bold, and the discounted price comes second at the same size in regular weight.
Prices are rounded to the nearest cent. A percentage discount is worked out in cents, and half a cent rounds up in the customer's favour.
Your wording
Not ready yet: fill in the details above.
1. Sign
2. Menu line
3. Website line
Show your products at the full price everywhere they appear, and keep the full price at least as prominent as the discounted price wherever you paste these lines.
Check the rest of your wording
Old card fee wording can be left behind on menus, your website and social posts. Our free checker can scan text you paste for leftover card fee wording.
Scan more wording with the free checker
If you're reworking your prices, our Price Reset Kit (A$29, one-off) includes a price calculator, a printable menu or price list, a customer notice and a staff script. The checker and the kit are both ours, and you don't need the kit to use this page. About the Price Reset Kit
Check the order of my own wording (optional)
Paste the price text from your own sign or menu. This reads the words only, line by line, and looks for prices written with a $ sign. It tells you which price comes first and whether a full price appears before a discounted one. It can't see font size, colour or layout, and it can't tell you whether your sign meets the law.
Sources
- ACCC: Price displays (payment method discounts)
- ACCC: Card surcharges
- RBA: Removal of card payment surcharges FAQs
Checked against the ACCC and RBA pages on 27 October 2026.