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Surcharge vs absorbing fees: what to know

⚠️ Important change from 1 October 2026

From 1 October 2026, mandatory surcharging on Visa and Mastercard payments is generally no longer permitted in Australia — for most businesses, absorbing card fees (or building them into your pricing) becomes the way forward. Letting a customer or donor voluntarily cover the fee is still fine. See Changes to card surcharging (from 1 October 2026).

Not-for-profits: Supporter Cover

Supporter Cover gives your supporters the option to cover Pebl's platform fee, so your organisation receives the full amount. It's always their choice.

Available to organisations set up as not-for-profits on Pebl.

When you take a card payment there's a processing fee. You can pass it on to the customer, or cover it yourself.

Surcharging (pass it on)

Switch Enable Surcharging on in a location's Settings → Payment Settings. The fee is added at checkout, so the customer pays it and your takings stay whole. On donation products, Donation Surcharging lets the donor choose to cover it — a voluntary option that isn't affected by the 1 October change.

Absorbing (cover it yourself)

Leave surcharging off, and the customer pays exactly the listed price while you cover the fee — the simplest, friendliest checkout.

To turn surcharging on or off, see Setting up surcharging.

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