From 1 October 2026, changes to surcharging will affect how you manage fees on invoices paid via online payments. More about the 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 or instalment paid + 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 or instalment paid + 25c per transaction (including GST).
You cannot pass this fee onto your customers as a surcharge.
If multiple invoices or instalments are paid as part of a single payment, the 1.7% fee applies to each invoice or instalment, and a single 25c transaction fee applies to the overall payment.
When a customer makes an online payment, the fee is deducted from their payment and the balance is deposited into your nominated bank account.
Fee example
Until 30 September 2026:
Payment amount = $100
Fees = $1.80 (1.8% of the payment amount) + $0.25c = $2.05
If you surcharge the fees, the customer pays $100 + $2.05 = $102.05
If you don't surcharge, the customer pays $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.
Checking your fees
We'll send the primary or billing contact 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.
For a full breakdown of your online payments and fees, check your online payment reports.
Other online payment charges
You may also incur other charges if you've received a chargeback or dishonour notice. These charges include:
Chargeback fee: $33 per chargeback.
When applied, this fee is incurred regardless of chargeback outcome.
Direct debit dishonour: $10.00.
A dishonour fee is issued if we're 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.
Online company files only
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 or instalment paid + 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 or instalment paid + 25c per transaction (including GST).
You cannot pass this fee onto your customers as a surcharge.
If multiple invoices or instalments are paid as part of a single payment, the 1.7% fee applies to each invoice or instalment, and a single 25c transaction fee applies to the overall payment.
When a customer makes an online payment, the fee is deducted from their payment and the balance is deposited into your nominated bank account.
Fee example
Until 30 September 2026:
Payment amount = $100
Fees = $1.80 (1.8% of the payment amount) + $0.25c = $2.05
If you surcharge the fees, the customer pays $100 + $2.05 = $102.05
If you don't surcharge, the customer pays $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.
Checking your fees
We'll send the primary or billing contact 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.
For a full breakdown of your online payments and fees, check your online payment reports.
Other online payment charges
You may also incur other charges if you've received a chargeback or dishonour notice. These charges include:
Chargeback fee: $33 per chargeback.
When applied, this fee is incurred regardless of chargeback outcome.
Direct debit dishonour: $10.00.
A dishonour fee is issued if we're 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.