Check For And Remove Card Payment Surcharges

This outlines How To Check For And Remove Card Surcharges in Swiftpos.

EFTPOS and card-payment surcharges can be configured in several different areas of Swiftpos or through the payment provider itself. Depending on the Venue's configuration, a surcharge may be calculated by the EFTPOS provider, configured against card types, or added via Merchant fees and surcharge rules.

From the 1st of October 2026, Venues will need to comply with the new ruling that prevents them from applying card payment surcharges to debit, prepaid, and credit card transactions. This will affect all Visa, Mastercard, American Express, and EFTPOS payments.

Venues that currently pass on merchant service fees will need to review their current payment configurations and overall item/product pricing to ensure they comply, before these changes come into effect.

Also refer HERE for How To Prepare Pricing For Card Surcharge Changes.

Subjects      ▲ ▼

• About
• How To?
• Troubleshooting?

About      ▲ ▼

• What To Consider?

What To Consider?      ▲ ▼

Venues currently applying card payment surcharges should review the following:

• Surcharge Source – Identify if the fee is generated by the payment provider, PC-EFTPOS rules, Merchant fees on POS keys, or Back Office surcharge rules.

• Independent Mechanisms – Removing a surcharge from one area (e.g., a POS key) does not automatically disable it in another (e.g., the EFTPOS terminal).
• Payment Channels – Review all channels including Touch POS, Pay at Table, OrderAway, and self-service kiosks.
• Recording vs. Charging – Do not remove recording mappings (like Surcharge PLUs) before confirming the provider has actually stopped charging the fee.
• Testing – Complete final tests across all card networks and payment methods to confirm no unwanted fees remain.
• Customer Information – Update menus, signage, and digital apps to reflect the removal of card-payment fees.

How To Check For And Remove Card Payment Surcharges?      ▲ ▼

Do as follows:

• Identify The Source
  Swiftpos provides several methods to identify and remove card-related fees depending on their source:

  • Observe when the surcharge appears, to find its source:

    • On PIN Pad/EFTPOS Receipt
      Likely controlled by the payment provider or PC-EFTPOS card rules.
    • When A Finalise (#2-30) POS Key POS Key Is Selected
      Review Merchant Fees configured against all Finalise (#2-30) POS Keys.
    • Before Payment Method is Selected
      Review Surcharges configured in Back Office. Especially those that have the auto-applied option selected.
• Remove Provider Controlled Surcharges
  

  For integrated services (for example, Oolio Pay, Tyro and Linkly), the provider often controls the rate.

  • Access the provider's portal or device configuration and disable surcharging.
  • Confirm if a device update or synchronisation is required.
  • Test a payment to confirm the device and receipt no longer show the surcharge fee.
  • Once confirmed, review the Swiftpos surcharge recording configuration.
• Remove Merchant Fees
  Merchant fees are Swiftpos-calculated surcharges on Finalise (#2-30) POS Keys.
  • In Back Office, locate and open each Keyboard Layout that has Finalise (#2-30) POS Keys.
  • Select each POS Key and select the More Settings option to display the Settings screen and configure the POS Key as follows:
    • Ensure the Merchant Fee % of Total or $ Value amount is set to zero for all Finalise (#2-30) POS Keys in Back Office. Refer HERE for more information.
    • Ensure the Display merchant fees before Finalising option is NOT selected.
  • Save the changes and ensure a Full Update is sent to all the Touch POS devices that will be using the changed Finalise (#2-30) POS Keys. Refer HERE for more information.

• Disable Back Office Surcharge Rules
  Applies to automatically applied or predefined surcharges.

  • In the Surcharge Setup screen in Back Office, locate and select the applicable surcharges.

  • Select the Edit option in the footer section to edit each of the surcharges as follows:

    • In the Surcharge Setup Edit screen, ensure the Enabled and Web Enabled options are NOT selected.

  • Save the changes and ensure a Full Update is sent to all the Touch POS devices

Troubleshooting?      ▲ ▼

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