From 1 October 2026, changes to surcharging will affect how you manage fees on invoices paid via Online Payments. More about RBA surcharge changes
With online payments, there are no setup or cancellation fees, just a transaction fee for payments received.
Online payment fees until 30 September 2026
Fee = 1.8% of each invoice + 25c per transaction (including GST).
You can choose to pay the fee or pass it on to your customers as a surcharge.
Online payment fees from 1 October 2026
Fee = 1.7% of each invoice + 25c per transaction (including GST).
You cannot pass this fee onto your customers as a surcharge.
When a customer pays from their invoice, 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 = 25c + $1.8 (1.8% of the payment amount) = $2.05
If you surcharge the fees, the customer pays $100 + $2.05 = $102.05
If you don't surcharge, the customer pays the invoice value ($100)
MYOB deducts $2.05 in fees from the customer's payment, and you receive the balance
If you surcharge, you'll receive $102.05 - $2.05 = $100.00
If you don't surcharge, you'll receive $100 - $2.05 = $97.95
From 1 October 2026:
Payment amount = $100
Fee = $1.70 (1.7% of the payment amount) + $0.25c = $1.95
The customer pays the invoice value ($100). MYOB deducts $1.95 in fees from the customer's payment, and you receive $98.05.
If there's GST on the invoice, the surcharge will also include GST, which the customer pays. The app takes care of GST calculations, so you don’t have to worry about it.
Checking your fees
We'll send you a monthly invoice showing the online payment fees for the previous month. You're not charged these fees when you receive the invoice. You can also see these invoices from the My Account Bills page.
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.