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From 1 October 2026, all businesses in Australia, will no longer be permitted to apply a surcharge to Visa, Mastercard, eftpos or American Express (Amex) card payments. As this is an industry wide transition, changing payment providers will not alter this requirement.   

For vertical SaaS platforms and their SMB merchants, network tokenisation is proving itself as the payments infrastructure decision that separates growing payment portfolios from those stuck fighting preventable churn.