澳大利亚刷卡附加费10月1日起全面取消 商家称成本将转入售价
2026年10月1日，澳大利亚禁止银行卡支付附加费的新规正式生效。据路透社当日报道，澳大利亚中央银行此前经审查后决定，取消商家对借记卡和信用卡交易收取的0.5%至1.5%附加费，并同步下调商家承担的交换费。联邦政府表示，新规每年可为消费者节省约16亿澳元的刷卡费用，商家也可节省约9.1亿澳元成本。
新规覆盖澳大利亚绝大多数以银行卡完成的日常支付。在澳大利亚，刷卡和手机支付已占消费支付的绝大部分，附加费长期被消费者视为结账时最直观的额外负担之一。政府称，取消附加费意在缓解生活成本压力，让标价与实付价格保持一致。
不过，不少小商家在新规生效当天表示，支付成本并不会消失，只是换了一种承担方式。悉尼Darlinghurst的Rusty Rabbit咖啡馆经营者称，已将食品和冷饮价格平均上调约2澳元，并提前与顾客沟通了涨价原因。悉尼酒吧经营者也表示，相关成本最终会被计入售价。
支付行业与商家接下来如何调整定价，将决定消费者实际受益的程度。监管机构此前估算，澳大利亚人每年支付的银行卡费用超过10亿澳元；新规实施后的价格变化，预计将成为未来数月消费者团体与媒体持续跟踪的焦点。
Australia's Card Surcharge Ban Takes Effect as Businesses Warn Costs Will Move Into Prices
Australia's ban on card payment surcharges took effect on 1 October 2026. According to Reuters reporting that day, the Reserve Bank of Australia had decided after a review to abolish surcharges of 0.5 to 1.5 per cent on debit and credit card payments and to lower the interchange fees paid by businesses. The federal government said the change would save consumers about A$1.6 billion a year in card fees, while businesses would also save about A$910 million.
The ban covers the vast majority of everyday card payments in Australia, where cards and phones account for most transactions. Surcharges had long been one of the most visible extra costs at the checkout, and the government presented the reform as cost-of-living relief that would make the ticket price the price actually paid.
Many small businesses, however, said on the first day that payment costs would not disappear but would be carried differently. The operator of the Rusty Rabbit Cafe in Darlinghurst, Sydney, said food and cold drink prices had been raised by about A$2 on average, and that regular customers had been told why in advance. A Sydney bar owner likewise said the costs would be factored into prices.
How merchants and payment providers adjust their pricing in coming months will determine how much consumers actually gain. Regulators had estimated Australians were paying more than A$1 billion a year in card fees, and price movements after the ban are expected to be closely tracked by consumer groups and the media.
图片来源：图：刷卡支付终端特写。摄影：VulcanSphere，CC BY 4.0，来源：Wikimedia Commons
