Preparing for the card surcharge ban
From 1 October 2026, card surcharges will be banned in Australia. Builders, contractors and suppliers must update their pricing, contracts and payment systems before the deadline.
1 October 2026 is the deadline for businesses to comply with the card surcharge ban across Australia.
How do I prepare my trade business for the card surcharge ban starting October 2026?
Affects builders, plumbers, electricians and all trade contractors who currently pass card fees to customers. They must absorb or restructure costs before October 2026.
Key takeaways
- Card surcharges will be banned from 1 October 2026, affecting how tradies charge customers.
- Builders, contractors and suppliers need to review and update their pricing structures.
- Existing contracts may need to be amended to remove surcharge clauses before the ban.
- Payment systems should be audited and reconfigured ahead of the October 2026 deadline.
Related
ATO ramp up of small business debt collection
Master Builders Australia has published a news item saying the ATO is stepping up its debt collection against small businesses. The text provided gives no further detail on the measures, timing or amounts.
Why it matters: Builders and other trade businesses with outstanding tax debts may face firmer ATO collection action, which could strain cash flow. Details are not in the source text, so check the ATO or Master Builders directly.
Construction needs an effective enforcer not a paperwork obsession
The Housing Industry Association (HIA) warns that proposed national construction standards and new procurement rules miss the mark. It says the measures land hardest on home builders and argues for an effective enforcer rather than more paperwork.
Why it matters: Home builders and small residential contractors could face extra compliance paperwork and procurement requirements, adding admin time and cost to jobs without necessarily lifting building quality.
Potential Commonwealth Standards for the Construction Industry
The Housing Industry Association (HIA) says it backs a lawful, safe, productive and sustainable construction industry and has long called for structural reform. It says the consultation on potential Commonwealth standards proposes several measures it is concerned about.
Why it matters: Commonwealth standards could add new compliance requirements for builders and subcontractors across residential construction. The article gives no detail yet, so the practical impact on trades is unclear.