From 1 October 2026, changes to surcharging will affect how you manage fees on payments taken with Tap to Pay. More about RBA surcharge changes
With Tap to Pay, there are no setup or cancellation fees, just a transaction fee that applies to each payment you take using Tap to Pay.
Fee = 1.6% of the invoice value + $0.30 per transaction (including GST).
Tap to Pay surcharging fee changes
Until 30 September 2026, you can choose to pay the fee or pass it on to your customers as a surcharge.
From 1 October 2026, you cannot pass this fee onto your customers as a surcharge.
When a customer pays through Tap to Pay, the fees are deducted from the total payment value and the balance is deposited into your nominated bank account.
Fee example for $100 invoice
Until 30 September 2026:
Invoice total = $100
Fees = 30c + $1.6 (1.6% of invoice total) = $1.90
If you surcharge (pass on the 1.6% and 30c to the customer), the customer pays $100 + $1.90 = $101.90
If you don't surcharge, the customer pays the invoice value ($100)
MYOB deducts $1.90 in fees from the customer's payment, and you receive the balance
If you surcharge, you'll receive $101.90 - $1.90 = $100.00
If you don't surcharge, you'll receive $100 - $1.90 = $98.10
From 1 October 2026:
Payment amount = $100
Fees = 30c + $1.6 (1.6% of invoice total) = $1.90
The customer pays the invoice value ($100). MYOB deducts $1.90 in fees from the customer's payment, and you receive $98.10.
Other charges
You might also incur other charges if you’ve received a chargeback or dishonour notice.
Chargeback fee: $33 per chargeback. This fee will be incurred regardless of chargeback outcome.
Direct debit dishonour: $10.00. A dishonour fee is issued if we are unable to debit applicable fees or charges from your bank account. Check your balance regularly to ensure there are enough cleared funds in your account.
Trace request fee: $10.00. This fee is charged for each customer transaction that you want to trace.