Introduction

Financial institutions charge the government merchant fees whenever they provide a payment service.

Service NSW may recover merchant fees plus GST on credit and debit card payments as well as on online payment services such as PayPal and PayID.

Fee rates

The merchant fee is a percentage of the total payment amount. The percentage depends on which payment method is used. Card schemes such as MasterCard, Visa, American Express, Diners Club or UnionPay International, or online payment services such as PayPal and PayID.

The merchant fee including GST will be added on top of the total amount you need to pay. 

MasterCard and Visa

When you make a credit or debit payment using a MasterCard or Visa card, the merchant fee recovered is up to 0.44% of the total amount payable.

American Express and Diners Club

When you make a payment using an American Express or Diners Club card, the merchant fee recovered is up to 1.54% of the total amount payable.

UnionPay International (UPI)

When you make a credit or debit payment using a UPI card, the merchant fee recovered is up to 1.76% of the total amount payable.

PayPal

When you make a payment through PayPal, the merchant fee recovered varies. For most transactions it is 0.44%, with the maximum charge being 1.21% of the total amount payable.

The exact percentage applicable to your transaction will be indicated on the payments page.

PayID

When you make a payment through PayID, the merchant fee recovered is 55 cents per transaction.

BPAY

There is no merchant fee for using BPAY. 

What you'll be charged

Before you confirm your payment details, you will be shown dollar amounts for each of the following:

  • the cost of your transaction
  • if it's a taxable good or service, the GST amount that applies to the cost of your transaction
  • the merchant fee amount (inclusive of GST)
  • the total amount that will be charged to your credit card.

More information

 

Last updated: 7 December 2023