Quick answer
Use the FeeReady calculator to estimate how Australia’s 2026 card surcharge changes could affect annual profit, required price adjustments and payment-provider savings.
What the calculator estimates
- Estimated annual profit impact
- Required average price adjustment across sales
- Current effective payment rate
- Potential provider savings based on demo plan data
Inputs you need
- Monthly revenue
- Card-sales percentage
- Current card surcharge recovery
- Merchant service fees
- Average transaction value
- Gross margin assumptions
Why use a calculator?
The impact of no-surcharge rules is not the same for every business. A business with high card usage and low margins may need a different response than a business with lower card volume or stronger provider pricing.
How to interpret results
Treat FeeReady as a scenario model. It does not predict your exact provider fees or legal obligations. Use it to prepare questions for your accountant, bookkeeper, payment provider or adviser.