24/7 Technical support
1800 243 444
Paper rolls
1800 243 444
Customer support
1300 192 600

Frequently asked questions

Do I have to change banks?

No. Our systems are compatible with all Australian banking institutions. There is no need to change your existing bank account.

Can the terminal integrate with my POS?

Yes, Fiserv integrates through POSGate and Linkly and are compatible with over 500 Australian POS Systems.

Is this system compliant?

Yes, it is compliant with ACCC and RBA regulations.

How long will it take for money to settle into my account?

Settlement times vary depending on the bank, but in most cases funds settle into your nominated account overnight, with the exception of weekend transactions which usually settle on a Monday.

How much money could I save?

Our customers on average save $10,000 annually in terminal related merchant fees.

How will my customers respond?

Payment processing fees have been standard in Australia since 2003.

Most consumers understand there is a cost to accepting payments by card.

Most consumers are also aware that an increasing number of businesses are passing on the cost of accepting payments by card to their customers.

As long as the customer is aware there is surcharge in place, and they have alternate means to pay for their purchase if they choose to avoid paying the surcharge, there shouldn’t be an issue. It is important the customer knows this upfront prior to making their purchase with a well displayed counter card, which we happily provide to our Beyond clients.

What is a Surcharge/ Service Fee?

Businesses incur costs when they accept a credit or debit card payment from a customer. Different cards incur different costs – cards that offer significant rewards to consumers can be substantially more expensive. Implementing a surcharge or a service fee on card payments allows businesses to recover the cost of accepting expensive card payments.

What are the new RBA rules regarding excessive surcharging?

The new surcharging framework introduced by the Reserve Bank of Australia ensures that businesses have the right to surcharge in order to cover the cost of accepting card payments whilst ensuring that consumers are not excessively surcharged.

What is a “reasonable cost of acceptance”?

The new RBA measures allow businesses to surcharge for merchant service fees and terminal rental, but prohibits profiteering.

Which cards does surcharge legislation apply to?

  • VISA, VISA Debit, VISA pre-paid
  • MasterCard, MasterCard Debit,
  • MasterCard pre-paid
  • American Express companion cards

Can I set a common or blended surcharge rate across different cards?

You may choose to set the same surcharge/service fee rate for a number of different payment schemes, provided that the surcharge/service fee is no greater than the average cost of acceptance of the lowest card accepted. Get in contact for us to help you.

What happens if I choose to surcharge above the reasonable cost of card acceptance?

The Government has given the Australian Competition and Consumer Commission (ACCC) investigation and enforcement power over cases of possible excessive surcharging. Fines may apply. Visit the RBA Website for the latest information.

beyond words

“Why should the banks be the ones winning all the time? Be feeless with Beyond Payments.”
Laura Rocket, Kenmore Village Florist
"Choosing Beyond Payments meant more than just feeless eftpos terminals for our sushi stores; it's about partnering with a local team that genuinely cares about our business success."
Luke Bond, Sushi Yado and Kenko Sushi House
“Switching to Beyond Payments was a pivotal decision for IGA Carina. By passing on a payment processing fee, we've seen substantial savings, which we reinvest in offering better value to our customers. Their support made the transition smooth, proving that a local provider truly understands our needs and concerns.”
Nic Nicolaou, Chris’ IGA Carina
“What appealed to me? Zero merchant service fees and rental costs. In fact, no additional costs at all. Thanks to Beyond Payments, I am now Feeless.”
Jackson Quinn, Archive Beer Boutique
“We’re passionate about our business. Every dish and drink we serve is the embodiment of an obsession to create tastes that reflect our fundamental philosophy of ‘rustic elegance’. So, we sought out a payments processing provider that is equally obsessed with their line of business and that is hands down Beyond Payments.”
Kellie Rolfe and Jenna Finch, Hot Shott.
“Before I made the decision to put Beyond Payment’s terminal into all three restaurants, I was super worried about passing on the transaction fee to my customers. Instead, I have loved it from the first week it was installed and have shared my experience with other business owners. Wonderful service.”
Stanley Lee, Mad Asian Kitchen And Bar.
“Trust is very important in our field of business. For over a decade we have been the trusted aesthetic and vitality medical clinic for clients from all over Australia and the world. When it comes to the delivery of a seamless and feeless payment processing solution for our business, we trust in Beyond Payments.”
Karen Shirley, The Skin Clinicians.
“Balancing the books is always a challenge but it is made so much easier with Beyond’s same day settlement. It’s a service I found no other providers could match.”
Michael Tenace, Owner, Il Solito Posto
“Most businesses don’t realise how much they are paying out in eftpos fees as well as on receipt rolls. To save on these costs has made a huge difference to my business.”
Leanne Lucas, Burleigh Blooms
“The simplicity of Beyond Payment’s system is what appealed to me most from the setup through to the fact there are no terminal rental charges and associated fees.”
Hanidi Masri, Pacific Fresh Fruit
“Beyond Payment’s solution ensures my business is safe and secure when applying a payment processing fee in the eyes of the various regulatory bodies.”
Costa Pappas, Chief Operating Officer, Motorama Group
“Beyond Payments helped my business save thousands every year on merchant service fees. It’s thanks to them I was able to buy my new coffee van.”
Kylie Loch, Part-Owner, Little Genovese
“Simply put, once I had made the decision to start passing on the cost of card transaction fees, it made sense not to lose money by way of lazily applying a flat debit or credit card fee.”
Luke Reynolds, Luke Reynolds Hairdressing

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