The October 1st Fee Recovery Pack

On October 1st, the RBA cuts what Square, Tyro, Zeller and the banks pay to process your cards. Your rate doesn't move. They keep the difference.

Debit interchange drops to 8c flat. Consumer credit drops to 0.30%. Take $45,500 a month on card through your bank at 1.5% and you're leaving around $4,570 a year on the table — $381 every month.

Find the leak. Send the email. Done.

• The Fee X-ray — type four numbers from your statement and see your real rate, every hidden fee flagged, and what you're overpaying a year. Two minutes on your phone.
• The email that gets it back — written with your numbers and your provider's name, plus the follow-up if they stall.
• The debit switch — least-cost routing takes 20–40% off every debit tap. Five minutes, step by step.

Also inside: surcharge-free quote and invoice templates, plus ready-to-send texts to chase unpaid invoices and win back old quotes.

$19 AUD. Instant access. One payment, no subscription.

Guarantee: if it doesn't pay for itself, email within 30 days for a full refund.

General information only — not legal or financial advice. Dollar figures are estimates based on stated assumptions (65% debit, average payment around $650, 0.45% provider margin); your costs depend on your provider agreement, volume and card mix.