Interchange & fees

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

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).

These rates:

  • Create a simple regime to underpin and strengthen eftpos’ competitiveness, and
  • Support investment in key enhancements to eftpos products.

The rates support initiatives designed to:

  • Increase eftpos functionality, and
  • Enhance digital payments security.

Schedule of interchange rates

The following Multilateral Interchange rates are prescribed by eftpos pursuant to Clause 33 of the Scheme Rules from the 1st September 2022.

CategoriesStandardDIFR 1DIFR 2DIFR 3Strategic Rate 1Strategic Rate 2
Dual Network Debit Cards
Charity$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
In-Store Card
<= $10
> $10

$0.01
$0.04

$0.01
$0.01

$0.01
$0.02

$0.01
$0.03

$0.02
$0.02

$0.01
$0.04
In-Store Mobile (Tokenised Contactless) 
<= $10
> $10

$0.02
$0.07

$0.01
$0.01

$0.01
$0.04

$0.02
$0.06

$0.02
$0.02

$0.02
$0.07
 Card Not Present
<= $100
> $100
Recurring

$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
Card Not Present (eftpos 3DS or Tokenised)
<= $5
$5 <= $100
> $100
Recurring > $5

$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
Purchase with Cash Out
Cash-out portion
Purchase portion

$0.00
$0.04

-$0.20
$0.01

-$0.165
$0.02

$0.00
$0.03

$0.00
$0.02

$0.00
$0.04
Cash Out Only$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
CategoriesStandardDIFR 1DIFR 2DIFR 3Strategic Rate 1Strategic Rate 2
Single Network Debit Cards
Charity$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
In-Store Card
<= $10
> $10

$0.05
$0.10

$0.01
$0.01

$0.02
$0.04

$0.03
$0.06

$0.05
$0.10

$0.05
$0.10
In-Store Mobile (Tokenised Contactless)
<= $10
> $10

$0.05
$0.10

$0.01
$0.01

$0.02
$0.04

$0.03
$0.06

$0.05
$0.10

$0.05
$0.10
Purchase with Cash Out
Cash-out portion
Purchase portion

$0.00
$0.10

-$0.20
$0.01

-$0.165
$0.04

$0.00
$0.06

$0.00
$0.10

$0.00
$0.10
Cash Out Only$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
CategoriesStandardDIFR 1DIFR 2DIFR 3Strategic Rate 1Strategic Rate 2
Prepaid Cards
Charity$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
In-Store Card
<= $10
> $10

$0.05
$0.10

$0.01
$0.01

$0.02
$0.04

$0.03
$0.06

$0.05
$0.10

$0.05
$0.10
In-Store Mobile (Tokenised Contactless)
<= $10
> $10

$0.05
$0.10

$0.01
$0.01

$0.02
$0.04

$0.03
$0.06

$0.05
$0.10

$0.05
$0.10
Card Not Present
<= $100
> $100

$0.10
0.12%

$0.01
$0.01

$0.10
$0.10

$0.10
$0.10

$0.10
0.12%

$0.10
0.12%
Card Not Present (eftpos 3DS or Tokenised)
<= $5
$5 <= $100
> $100
Recurring > $5

$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
Purchase with Cash Out
Cash-out portion
Purchase portion

$0.00
$0.10

-$0.20
$0.02

-$0.165
$0.04

$0.00
$0.06

$0.00
$0.10

$0.00
$0.10
Cash Out Only$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
Notes:
Interchange Fees are not payable for Refunds and Declines.
CategoriesLegacy 1Legacy 2Legacy 3Legacy 4Legacy 5Legacy 6Legacy 7Legacy 8Legacy 9
Dual Network Debit Cards
Charity$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
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
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
 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
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
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
Cash Out Only$0.00-$0.165-$0.10$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
CategoriesLegacy 1Legacy 2Legacy 3Legacy 4Legacy 5Legacy 6Legacy 7Legacy 8Legacy 9
Single Network Debit Cards
Charity$0.00$0.00$0.00$0.00$0.00N/AN/AN/AN/A
Medicare EasyClaim Refund$0.00$0.00$0.00$0.00$0.00N/AN/AN/AN/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

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


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

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$0.00N/AN/AN/AN/A
Transfers$0.045$0.045$0.045$0.045$0.045N/AN/AN/AN/A
CategoriesLegacy 1Legacy 2Legacy 3Legacy 4Legacy 5Legacy 6Legacy 7Legacy 8Legacy 9
Prepaid Cards
Charity$0.00$0.00$0.00$0.00$0.00$0.00N/AN/AN/A
Medicare EasyClaim Refund$0.00$0.00$0.00$0.00$0.00$0.00N/AN/AN/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

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
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
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
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
Cash Out Only$0.00-$0.165-$0.10$0.00$0.00$0.00N/AN/AN/A
Transfers$0.045$0.045$0.045$0.045$0.045$0.045N/AN/AN/A
Notes:
Interchange Fees are not payable for Refunds and Declines.
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