What FeeReady is
FeeReady is a browser-based calculator and readiness hub for Australian businesses preparing for card-surcharge and merchant payment cost changes commencing 1 October 2026.
Who it is for
FeeReady is designed for small business owners, accountants, bookkeepers, payment consultants and advisers who need a practical way to model surcharge-recovery, merchant-fee and pricing scenarios.
What it does
The calculator estimates annual profit impact, required average price adjustments, current effective payment rate, provider comparison scenarios and a transition action plan based on user-entered assumptions.
What it does not do
FeeReady does not provide legal, tax or financial advice. It does not guarantee processor savings, final network rules, provider pricing or compliance outcomes.
Why FeeReady exists
Australian businesses need time to understand how payment-cost and surcharge-rule changes may affect margins, pricing and provider choices. FeeReady makes those conversations easier by turning business assumptions into transparent scenarios.
Source and review approach
Regulatory claims are tied to RBA and ACCC sources listed on the sources page. The site shows a last-reviewed date and should be reviewed regularly as implementation details are clarified.
Privacy-first calculator design
The calculator runs in the browser. Scenario data is not sent to a FeeReady server. If a user saves a scenario, it is stored in that browser’s localStorage unless the user exports or shares it.