// FREE TOOL
Is your website still charging card fees?
Card surcharges were banned on 1 October 2026. We scan your site for the old "card payments attract a fee" wording and show you every line to remove.
“A credit card transaction fee of 2% applies to all credit card payments.”
/terms-and-conditions/“All prices exclude surcharges.”
/pricing/“A public holiday surcharge of $80 applies.”
/emergency-plumber/What we found
What the four results mean
Since 1 October 2026 you can't add a fee because someone pays by eftpos, Visa or Mastercard, and Amex dropped surcharges the same day. Other surcharges are still fine.
- Remove
A fee tied to paying by card, such as "1.5% surcharge on credit cards" or "merchant fees are payable by the client". Delete it.
- Check
Fee or surcharge wording that doesn't say what it's for, like "prices exclude surcharges". Read it and decide.
- Allowed
After-hours, weekend, public holiday, call-out or fuel surcharges. The ban doesn't cover these if they apply however the customer pays.
- Fine
Lines saying you don't surcharge, or text about the ban itself, like a news post.
Your website is only one place it hides
This scan reads public web pages. It can't see your quote and invoice template footers, custom Word templates, email and SMS templates, PDFs, or your Google Business Profile. Our guide to the ATO dropping credit cards has the full checklist, and the surcharge ban guide walks through the ServiceM8 wizard.
Why does card surcharge wording matter now?
From 1 October 2026 Australian businesses can no longer add a surcharge for paying by eftpos, Visa or Mastercard, and American Express dropped surcharges on the same date. A website or terms page that still says card payments attract a fee is out of date, and a tech who reads it and charges the fee at the door breaches the card rules.
What does the checker look for?
Words like surcharge, card fee, merchant fee, credit card transaction fee, processing fee, and percentages sitting next to card names such as Visa, Mastercard or Amex. It reads the visible text of your homepage and up to 24 more pages, starting with terms, payment, pricing, FAQ and contact pages.
Will it flag my after-hours or weekend surcharge?
It finds it, but marks it as allowed. The ban only covers fees added because someone pays by card. Weekend, public holiday and after-hours rates are fine as long as they apply however the customer pays.
What can it not check?
Anything that is not text on a public web page: your ServiceM8 or Tradify quote and invoice templates, email and SMS templates, PDFs, images of price lists, and your Google Business Profile. If it finds a terms PDF it lists it so you can open it yourself.
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