Example 1
$5M cost-plus · not surcharging
+$2,550
Your interchange costs should have fallen automatically on 1 October.
Next: Check your Tyro statement shows the new caps: domestic consumer credit interchange at or below 0.30%.
In effect since 1 October 2026
See what 1 October changed for your business.
Your provider named. Your P&L impact in dollars. Your next steps, in order.
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Quick estimate · tap a bandIndicative
Annual card revenue
$2,000,000
Estimated annual impact
−$26,541
Indicative change for a flat-rate retailer your size that surcharged 1.5% before 1 October. Cost-plus merchants, and merchants who didn't surcharge, see a different result. Run your free report for your actual number.
Get my actual numberSee what merchants get
Real reports. Real numbers.
Every merchant gets a tailored report. Three examples, same calculation engine, different situations.
Example 2
$3M flat rate · not surcharging
+$689
The saving exists, but it only reaches you if your provider passes it on.
Next: Ask Square what your rate is now. On a flat rate, the estimated $1,530 interchange saving on this card mix reaches you only if Square lowers your rate. Or compare published rates.
Example 3
$2M online store · surcharged 2% until 1 October
−$30,957
You face both challenges simultaneously.
Next: Reprice with one total price and ask Stripe what your rate is now. Its published standard rate today is 1.65%.
What you'll receive
Sample shown: $3M hospitality group, CommBank cost-plus, surcharged 2.5% until 1 October.
A complete reform report. In four questions.
- 01
Your exact P&L impact
Dollar figure, not a percentage. Updates live as you refine your inputs.
- 02
A breakdown of what's certain and what depends on your provider
Two of the numbers in your report are fixed by the new rules. Two depend on what your provider actually does, and you can now check.
- 03
Your rate vs. the published market floor
How much of what you pay is regulated cost, and how much is your provider's margin.
- 04
A prioritised action plan, ranked by urgency
URGENT / PLAN / MONITOR with dates and exact scripts.
- 05
An interactive pass-through model
Slide between 0% and 100% to see what changes for you depending on your provider's response.
- 06
The full reform timeline
Every date that matters from 1 October 2026 to April 2027, so you know what's due when.
Example
Estimated annual impact
−$66,123
Your surcharge revenue stopped on 1 October.
- Surcharge revenue lost
- $67,500
- IC saving flows through
- +$1,377
- Net P&L impact
- −$66,123
- Action items
- 6
Why this is happening
Surcharging has endedCertain
Interchange savingDepends on plan
Four questions · your report
No statement in front of you? No problem.
Plain-English questions a layperson can answer. We do the math.
- 01
How much do you process in card payments?
We calculate your actual dollar impact. Not a percentage: a number.
- 02
Does your statement show one rate, or a breakdown?
This determines whether the cost saving reaches you automatically or depends on a rate review.
- 03
Did you surcharge card payments before 1 October?
This is the biggest variable. Since 1 October, surcharges aren't permitted on Visa, Mastercard, eftpos or Amex cards, so that revenue has stopped.
- 04
What industry are you in?
For average transaction size, which affects the calculation.
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See exactly what the 1 October changes mean for your bottom line.