Interchange fees

Discover the most important information about interchange fees.
Learn more about their purpose and rates.

Interchange fees

Interchange fees are payable between the retailer (known as a self-Acquirer) or the retailers’ financial institution (known as the Acquirer) and the cardholder’s bank or financial institution (known as the Issuer).

Interchange fees:

Create a simple regime to underpin and strengthen eftpos’ competitiveness
Support investment in key enhancements to eftpos products
Support initiatives designed to increase eftpos functionality, and enhance digital payments security

Categories	Charity	Standard	DIFR 1	DIFR 2	DIFR 3	Strategic Rate 1	Strategic Rate 2	Strategic Rate 1 & 2
Dual Network Debit Cards
Medicare EasyClaim Refund	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
In-Store Card <= $10 > $10	$0.00 $0.00	$0.01 $0.04	$0.01 $0.01	$0.01 $0.02	$0.01 $0.03	$0.02 $0.02	$0.01 $0.04	$0.02 $0.02
In-Store Mobile (Tokenised Contactless) <= $10 > $10	$0.00 $0.00	$0.02 $0.07	$0.01 $0.01	$0.01 $0.04	$0.02 $0.06	$0.02 $0.02	$0.02 $0.07	$0.02 $0.02
Card Not Present <= $100 > $100 Recurring	$0.00 $0.00 $0.00	$0.10 0.12% $0.06	$0.01 $0.01 $0.01	$0.10 $0.10 $0.03	$0.10 $0.10 $0.05	$0.10 0.12% $0.06	$0.03 $0.03 $0.03	$0.03 $0.03 $0.03
Card Not Present (eftpos 3DS or Tokenised) <= $5 $5 <= $100 > $100 Recurring > $5	$0.00 $0.00 $0.00 $0.00	$0.005 $0.04 0.10% $0.04	$0.005 $0.01 $0.01 $0.01	$0.005 $0.01 $0.02 $0.02	$0.005 $0.02 $0.06 $0.03	$0.005 $0.04 0.10% $0.04	$0.03 $0.03 $0.03 $0.03	$0.03 $0.03 $0.03 $0.03
Purchase with Cash Out Cash-out portion Purchase portion	$0.00 $0.00	$0.00 $0.04	-$0.20 $0.01	-$0.165 $0.02	$0.00 $0.03	$0.00 $0.02	$0.00 $0.04	$0.00 $0.02
Cash Out Only	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Transfers	$0.00	$0.045	$0.045	$0.045	$0.045	$0.045	$0.045	$0.045

Categories	Charity	Standard	DIFR 1	DIFR 2	DIFR 3	Strategic Rate 1	Strategic Rate 2	Strategic Rate 1 & 2
Single Network Debit Cards
Medicare EasyClaim Refund	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
In-Store Card <= $10 > $10	$0.00 $0.00	$0.05 $0.10	$0.01 $0.01	$0.02 $0.04	$0.03 $0.06	$0.05 $0.10	$0.05 $0.10	$0.05 $0.10
In-Store Mobile (Tokenised Contactless) <= $10 > $10	$0.00 $0.00	$0.05 $0.10	$0.01 $0.01	$0.02 $0.04	$0.03 $0.06	$0.05 $0.10	$0.05 $0.10	$0.05 $0.10
Purchase with Cash Out Cash-out portion Purchase portion	$0.00 $0.00	$0.00 $0.10	-$0.20 $0.01	-$0.165 $0.04	$0.00 $0.06	$0.00 $0.10	$0.00 $0.10	$0.00 $0.10
Cash Out Only	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Transfers	$0.00	$0.045	$0.045	$0.045	$0.045	$0.045	$0.045	$0.045

Categories	Charity	Standard	DIFR 1	DIFR 2	DIFR 3	Strategic Rate 1	Strategic Rate 2	Strategic Rate 1 & 2
Prepaid Cards
Medicare EasyClaim Refund	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
In-Store Card <= $10 > $10	$0.00 $0.00	$0.05 $0.10	$0.01 $0.01	$0.02 $0.04	$0.03 $0.06	$0.05 $0.10	$0.05 $0.10	$0.05 $0.10
In-Store Mobile (Tokenised Contactless) <= $10 > $10	$0.00 $0.00	$0.05 $0.10	$0.01 $0.01	$0.02 $0.04	$0.03 $0.06	$0.05 $0.10	$0.05 $0.10	$0.05 $0.10
Card Not Present <= $100 > $100	$0.00 $0.00	$0.10 0.12%	$0.01 $0.01	$0.10 $0.10	$0.10 $0.10	$0.10 0.12%	$0.10 0.12%	$0.10 0.12%
Card Not Present (eftpos 3DS or Tokenised) <= $5 $5 <= $100 > $100 Recurring > $5	$0.00 $0.00 $0.00 $0.00	$0.005 $0.04 0.10% $0.04	$0.005 $0.01 $0.01 $0.01	$0.005 $0.02 $0.05 $0.02	$0.005 $0.03 $0.08 $0.03	$0.005 $0.04 0.10% $0.04	$0.005 $0.04 0.10% $0.04	$0.005 $0.04 0.10% $0.04
Purchase with Cash Out Cash-out portion Purchase portion	$0.00 $0.00	$0.00 $0.10	-$0.20 $0.02	-$0.165 $0.04	$0.00 $0.06	$0.00 $0.10	$0.00 $0.10	$0.00 $0.10
Cash Out Only	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Transfers	$0.00	$0.045	$0.045	$0.045	$0.045	$0.045	$0.045	$0.045
Notes: Interchange Fees are not payable for Refunds and Declines.

Categories	Legacy 1	Legacy 2	Legacy 3	Legacy 4	Legacy 5	Legacy 6	Legacy 7	Legacy 8	Legacy 9	Legacy 10
Dual Network Debit Cards
Charity	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Medicare EasyClaim Refund	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
In-Store Card <= $10 > $10	$0.04 $0.04	$0.01 $0.01	$0.02 $0.02	$0.02 $0.02	$0.01 $0.01	$0.02 $0.02	$0.02 $0.02	$0.02 $0.02	$0.03 $0.03	$0.02 $0.02
In-Store Mobile (Tokenised Contactless) <= $10 > $10	$0.08 $0.08	$0.02 $0.02	$0.04 $0.04	$0.04 $0.04	$0.04 $0.04	$0.08 $0.08	$0.06 $0.06	$0.08 $0.08	$0.08 $0.08	$0.02 $0.02
Card Not Present <= $100 > $100 Recurring	$0.04 $0.04 $0.04	$0.01 $0.01 $0.01	$0.02 $0.02 $0.02	0.15% 0.15% 0.15%	$0.01 $0.01 $0.01	$0.02 $0.02 $0.02	$0.02 $0.02 $0.02	0.15% 0.15% 0.15%	$0.03 $0.03 $0.03	$0.02 $0.02 $0.02
Card Not Present (eftpos 3DS or Tokenised) <= $5 $5 <= $100 > $100 Recurring > $5	$0.04 $0.04 $0.04 $0.04	$0.01 $0.01 $0.01 $0.01	$0.02 $0.02 $0.02 $0.02	0.15% 0.15% 0.15% 0.15%	$0.01 $0.01 $0.01 $0.01	$0.02 $0.02 $0.02 $0.02	$0.02 $0.02 $0.02 $0.02	0.15% 0.15% 0.15% 0.15%	$0.03 $0.03 $0.03 $0.03	$0.02 $0.02 $0.02 $0.02
Purchase with Cash Out Cash-out portion Purchase portion	$0.00 $0.02	-$0.20 $0.02	-$0.165 $0.02	$0.00 $0.02	$0.00 $0.02	$0.00 $0.02	$0.00 $0.02	$0.00 $0.02	$0.00 $0.02	$0.00 $0.02
Cash Out Only	$0.00	-$0.165	-$0.10	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Transfers	$0.045	$0.045	$0.045	$0.045	$0.045	$0.045	$0.045	$0.045	$0.045	$0.045

Categories	Legacy 1	Legacy 2	Legacy 3	Legacy 4	Legacy 5	Legacy 6	Legacy 7	Legacy 8	Legacy 9	Legacy 10
Single Network Debit Cards
Charity	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	N/A	N/A	N/A	N/A
Medicare EasyClaim Refund	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	N/A	N/A	N/A	N/A
In-Store Card <= $10 > $10	$0.06 $0.06	$0.015 $0.015	$0.03 $0.03	$0.045 $0.045	$0.015 $0.015	$0.06 $0.06	N/A N/A	N/A N/A	N/A N/A	N/A N/A
In-Store Mobile (Tokenised Contactless) <= $10 > $10	$0.08 $0.08	$0.02 $0.02	$0.04 $0.04	$0.06 $0.06	$0.04 $0.04	$0.06 $0.06	N/A N/A	N/A N/A	N/A N/A	N/A N/A
Purchase with Cash Out Cash-out portion Purchase portion	$0.00 $0.02	-$0.20 $0.02	-$0.165 $0.02	$0.00 $0.02	$0.00 $0.02	$0.00 $0.02	N/A N/A	N/A N/A	N/A N/A	N/A N/A
Cash Out Only	$0.00	-$0.165	-$0.10	$0.00	$0.00	$0.00	N/A	N/A	N/A	N/A
Transfers	$0.045	$0.045	$0.045	$0.045	$0.045	$0.045	N/A	N/A	N/A	N/A

Categories	Legacy 1	Legacy 2	Legacy 3	Legacy 4	Legacy 5	Legacy 6	Legacy 7	Legacy 8	Legacy 9	Legacy 10
Prepaid Cards
Charity	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	N/A	N/A	N/A	N/A
Medicare EasyClaim Refund	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	N/A	N/A	N/A	N/A
In-Store Card <= $10 > $10	$0.08 $0.08	$0.02 $0.02	$0.04 $0.04	$0.06 $0.06	$0.04 $0.04	$0.08 $0.08	N/A N/A	N/A N/A	N/A N/A	N/A N/A
In-Store Mobile (Tokenised Contactless) <= $10 > $10	$0.08 $0.08	$0.02 $0.02	$0.04 $0.04	$0.06 $0.06	$0.04 $0.04	$0.08 $0.08	N/A N/A	N/A N/A	N/A N/A	N/A N/A
Card Not Present <= $100 > $100	$0.08 $0.08	$0.02 $0.02	$0.04 $0.04	$0.06 $0.06	0.15% 0.15%	0.15% 0.15%	N/A N/A	N/A N/A	N/A N/A	N/A N/A
Card Not Present (eftpos 3DS or Tokenised) <= $5 $5 <= $100 > $100 Recurring > $5	$0.08 $0.08 $0.08 $0.08	$0.02 $0.02 $0.02 $0.02	$0.04 $0.04 $0.04 $0.04	$0.06 $0.06 $0.06 $0.06	0.15% 0.15% 0.15% 0.15%	0.15% 0.15% 0.15% 0.15%	N/A N/A N/A N/A	N/A N/A N/A N/A	N/A N/A N/A N/A	N/A N/A N/A N/A
Purchase with Cash Out Cash-out portion Purchase portion	$0.00 $0.02	-$0.20 $0.02	-$0.165 $0.02	$0.00 $0.02	$0.00 $0.02	$0.00 $0.02	N/A N/A	N/A N/A	N/A N/A	N/A N/A
Cash Out Only	$0.00	-$0.165	-$0.10	$0.00	$0.00	$0.00	N/A	N/A	N/A	N/A
Transfers	$0.045	$0.045	$0.045	$0.045	$0.045	$0.045	N/A	N/A	N/A	N/A
Notes: Interchange Fees are not payable for Refunds and Declines.

Latest eftpos
updates

Scams Awareness Week: How AP+ is building scam protection into everyday payments

Australian Payments Plus (AP+) is continuing to step up its efforts to make payments safer, faster, and more secure, by (read more)

25 August 2025

AP+ lowers eftpos scheme fees in ongoing commitment to lowering cost of payments

Australian Payments Plus (AP+) has announced a 22% drop in wholesale fees for the domestic eftpos network which took effect (read more)

8 May 2025

AP+ works with Google to offer Least Cost Routing on Google Wallets

Australian Payments Plus (AP+) has worked with Google to roll out eftpos functionality and Least Cost Routing (LCR) on transactions (read more)

6 March 2025

AP+ update to debit cards with eftpos on mobile wallets

Australian Payments Plus (AP+) has made good progress on its technical update to debit cards on mobile wallets. The update (read more)

30 December 2024

eftpos update to some debit cards in mobile wallets

Australian Payments Plus (AP+) is rolling out a technical update to some debit cards on mobile wallets to ensure consumers (read more)

18 December 2024

Rollout of Merchant Choice Routing for mobile devices plus lower eftpos debit charges will lower the cost of payments in Australia

Australian Payments Plus (AP+) is pleased to announce the rollout of Merchant Choice Routing (MCR) on transactions made via mobile (read more)

26 September 2024

AP+ welcomes J.P. Morgan Payments as eftpos member, joining New Payments Platform, strengthening diversity and furthering competition

Australian Payments Plus (AP+) today announced J.P. Morgan Payments, a part of leading global financial services firm JPMorganChase has joined (read more)

25 July 2024

AP+ Welcomes Worldpay from FIS as eftpos Member to further Australian market activity

Australian Payments Plus (AP+) today announced global financial services technology leader Worldpay from FIS® (NYSE: FIS), has joined Australia’s domestic (read more)

6 July 2023

Tap to Pay on iPhone enables merchant choice with eftpos

Australian Payments Plus (AP+ for short) is pleased to announce that Tap to Pay on iPhone will work with the (read more)

17 May 2023

AP+ and Coles announce strategic partnership on new digital wallet for customers

Beem to develop the first QR payments platform for the leading retailer Today, Australian Payments Plus (AP+) is pleased to (read more)

8 March 2023

eftpos online payments & security rollout forges ahead with certification of Australia’s GPayments

Australia’s debit card system, eftpos, is continuing its rollout of secure online payments options at a pace, today announcing the (read more)

2 July 2022

Subway® North Sydney and Brisbane City locations serve-up cutting-edge eftpos QR code payments for guests

Two Subway® locations have become the first major Australian quick-service restaurants to serve-up eftpos QR code payments ahead of its (read more)

18 May 2022

eftpos online payments & security rollout forges ahead with certification of Australia’s GPayments

Australia’s debit card system, eftpos, is continuing its rollout of secure online payments options at a pace, today announcing the (read more)

7 February 2022

Australian Payments Plus appoints inaugural CEO

Lynn Kraus appointed to lead the merged group of BPAY, eftpos and NPPA Australian Payments Plus is pleased to announce (read more)

22 December 2021

Payments Industry Committee, AP+ welcome ACCC merger approval

The ACCC has authorised the amalgamation of BPAY Group, eftpos and NPPA to form Australian Payments Plus The three entities (read more)

9 September 2021

Draft undertakings: Statement attributable to Robert Milliner, Industry Committee Chair

We welcome and support the ACCC’s ongoing consultation regarding the proposed merger of BPAY, eftpos and New Payments Platform Australia (read more)

8 August 2021

Payments Industry Committee responds to ACCC

The Payments Industry Committee (“the Applicants”) has formally responded to the ACCC’s preliminary views regarding the proposed merger of eftpos, (read more)

7 July 2021

ACCC approval sought for BPAY Group, eftpos and NPPA to amalgamate

To create a more efficient and agile Australian payments group to deliver new payments innovations faster for the benefit of (read more)

23 March 2021

eftpos, BPAY Group and NPPA propose to amalgamate for thebenefit of Australian consumers and businesses

eftpos, BPAY Group and NPPA to be preserved as distinct operations under a single Board with a shared roadmap for (read more)

15 December 2020

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AP+ acknowledges the Gadigal People of the Eora nation as the Traditional Custodians of the lands on which we are based and pay our respects to Elders past, present and emerging. We recognise all Aboriginal and Torres Strait Islander peoples' ongoing connection to the lands and waters of Australia and thank them for their pivotal role in caring for Country. Always was and always will be Aboriginal Land.

View our Reconciliation Action Plan

Interchange fees

Discover the most important information about interchange fees.
Learn more about their purpose and rates.