RBA Transparency Reporting

Understanding payment fees

This guide is designed to help you understand Tyro’s average merchant service fees.

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Merchant Service Fees

Reporting period July – September 2026.

Merchant category	Merchant service fee (%)
All direct merchants(a)	0.94%
Domestic(b) (card present)
Debit and prepaid	0.79%
Credit	1.12%

Merchant service fee rate = merchant service fees ÷ total transaction value. Source: Tyro Quarterly RBA Transparency_2026-10-01.
(a) Direct merchants refer to merchants for which the acquirer directly processes transactions (that is not a related entity of the acquirer, also known as a self-acquirer). It does not include transactions processed on behalf of a merchant indirectly via a payment facilitator (unless the payment facilitator is a related entity of the acquirer).
(b) Refers to transactions on domestic-issued cards acquired in Australia.
Source: RBA

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