The October 1 Fee Recovery Pack

On 1 October the RBA cuts what Square, Tyro and Zeller pay. Your flat rate doesn't move. They keep the difference.

Debit interchange drops to 8c flat. Consumer credit drops to 0.30%. If you're on 1.6%, nothing changes for you unless you go and ask. Most trade businesses are leaving around $2,000 a year on the table.

This pack is how you take it back — and fix the pricing holes underneath while you're at it.

Part 1 — Take back the fee

• Your target rate, worked out for your volume and card mix. A figure you can quote at them, not a range.
• The renegotiation email, word for word. It names the caps so they can't fob you off.
• Provider comparison on the new caps — Square, Tyro, Zeller, Stripe, CBA, NAB, Westpac, with switching costs and lock-ins.
• Least-cost routing switch-on — 20–40% off every debit tap. Off by default. Screenshots for your terminal.

Part 2 — Stop the bleed

• Your new hourly rate, recalculated so losing the surcharge costs you nothing.
• Billable-hours reality check — you think you're on $95/hr. Count quoting and driving and most tradies are on $62.
• Compliant quote & invoice templates — surcharge line gone, bank-transfer discount wording in.
• Variation form for the "while you're here, could you also…" jobs you never bill.
• Unpaid invoice kit — four-step chase sequence, letter of demand, payment claim. State-specific.

Part 3 — Go and earn

• Dead quote revival sequence — three texts over ten days. Pulls back 20–30% of quotes you wrote off.
• Dormant client reactivation — the 12-month "time for your annual check" message.
• Google review engine — the text to send two hours after the job, plus the ute QR code.
• Annual maintenance plan, packaged — turn one-off jobs into $199/yr recurring.

Delivered instantly. One payment, no subscription.

Guarantee: if you don't get your $29 back, email within 30 days and I'll refund you. You keep everything.

General information only — not legal or financial advice. Dollar figures are estimates based on stated assumptions; your costs depend on your provider agreement, volume and card mix.