Recoup card processing fees with zero-cost EFTPOS

Automatically pass on processing fees associated with in-person card payments. Set it and forget it with auto card surcharging for every debit card or credit card transaction.

Card surcharges explained

What is a surcharge? Zero-cost EFTPOS allows you to pass on processing fees to your customers. You can set it up as a dollar or percentage amount as long as it doesn’t go over your processing cost. With Square, the fee is the same regardless of card type.

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How does a surcharge work?

You can set up a card surcharge to be manual or automatic. For manual, you add the surcharge during the sale. For automatic, you set it up from your dashboard to automatically apply to each card sale you make. You can choose to pass on the full Square fee for zero-cost EFTPOS or select a partial amount.

In Australia, the Reserve Bank of Australia (RBA) has set rules on how you can surcharge. The surcharge rate can’t be higher than the amount you incur to process card transactions — your “Cost of Acceptance”.

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What payments are covered?

All card transactions can be surcharged, but you can’t surcharge more for Afterpay.

  • eftpos (debit and prepaid cards)
  • MasterCard (credit, debit and prepaid cards)
  • Visa (credit, debit and prepaid cards)
  • American Express

For in-store Afterpay transactions, you can apply your card surcharge to cover the payment processing portion of the fee (that’s your Cost of Acceptance). Otherwise, you can’t impose a surcharge on a customer using Afterpay as their payment method.


Benefits of using auto card surcharging with Square.

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Easy to use.

Pass on the cost associated with card payments easily. Set it to apply to every card transaction automatically.

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Quick to set up.

Enable right from your dashboard to apply across all your Square devices. It only takes a few steps.

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Transparent for customers.

Customers are able to see what portion of the total is going towards the surcharge during a sale.

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Clear and consistent pricing

What you see is what you get with Square. That means no hidden fees or surprises. One low rate for every contactless or chip and PIN payment (per hardware/software plan). That’s it.

No long-term contracts

With Square, you don’t have to worry about getting locked into long-term commitments or costly contracts.

POS software

Get started for free with our range of POS software to suit every business. They work with your phone or tablet and seamlessly integrate with our range of hardware options.

Affordable hardware

Square’s hardware is reasonably priced and works for businesses of all kinds. Plus, there are no maintenance fees or hardware rental fees to worry about.

Dedicated Square support

Phone support from our Australian-based team is available from 9 am to 5 pm AET. Alternatively, email us 24/7 or message us via online chat. You can also connect with other sellers in our Seller Community.

Get started right away

See how easy it is to get set up with Square. It only takes a few minutes to get up and running.

Built-in security

Whether fraud protection, dispute management or PCI compliance, Square provides tools and services that are built to protect your business.

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Hardware to push your business further.

No matter where you’re selling, Square has the hardware you need to ring up items and accept payments fast. Once auto card surcharging is set up, it’ll apply to every payment taken on your hardware.

Turn your iPad into a point of sale and take every kind of payment.


These FAQ’s are for informational purposes only and do not constitute tax or legal advice. For specific advice applicable to your business, please contact a professional.