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Mortgage broker and tax critic Joseph Dauod is campaigning against Australia’s planned card surcharge changes, according to a 12 October 2026 report excerpt from The West Australian. The excerpt says he used billboards around Canberra Airport and television advertising, but does not establish the campaign’s exact claims, organizers or funding. Separately, payment-provider guidance says card surcharges are due to end on 1 October 2026. Here is what is established—and what remains unclear.
What is known about the campaign
The West Australian reported on 12 October 2026 that Dauod, described as a mortgage broker and tax critic, was opposing the surcharge changes through billboards around Canberra Airport and television advertising. The accessible report excerpt does not provide enough detail to verify his specific arguments or identify who organized or funded the campaign. No campaign claim or direct quote should be treated as confirmed on that basis alone.
The distinction matters: the reported advertising activity is attributable to the newspaper’s excerpt, while the campaign’s message and supporting evidence are not established by the available account.
What changes on 1 October 2026?
Australian payment-provider guidance describes card payment surcharges as ending on 1 October 2026. The guidance covers eftpos and Mastercard and Visa payments, including debit, prepaid and credit cards. Funraisin’s explanation, updated 7 October 2026, gives this general description of the change: Payments: RBA card surcharge changes and what they mean for Funraisin.
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The precise legal scope, wording and any exceptions should be checked against the Reserve Bank of Australia’s underlying instrument. The provider guidance is not a substitute for that primary source or individualized legal advice.
How to tell a card surcharge from another fee
A fee charged because someone chooses a particular card is different from a fee that applies to every customer regardless of how they pay. Advanced Payment Solutions describes this distinction in its merchant guidance: card surcharges are triggered by payment method, while a day-based service fee applies regardless of payment method. It says such a general fee should be clearly disclosed before the transaction and cannot be used as a substitute for a card surcharge. The fee’s actual operation and disclosure matter; its label alone does not determine what it is.
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Optional donor contributions are another distinct case. Funraisin describes these contributions as voluntary and unrelated to the payment method, unlike a mandatory card surcharge. The change therefore should not be read as a ban on every checkout contribution or every business fee.
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What merchants should check before the change
Merchants reviewing their checkout and payment setup can use these questions to identify issues to clarify with their payment provider:
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- What triggers the fee? Check whether it is added only when a customer pays by card or applies irrespective of payment method.
- Which payments are affected? The cited guidance describes coverage of eftpos and Mastercard and Visa cards, including debit, prepaid and credit. Confirm the legal scope that applies to the merchant’s specific payment arrangements.
- When is the amount shown? Review whether any fee is clearly disclosed before the customer completes the transaction.
- What needs to change operationally? Advanced Payment Solutions notes that terminal configuration is relevant. Merchants should confirm any required terminal or checkout adjustments with their payment provider rather than assume existing settings will update automatically. See its Service Fees and the Card Surcharge Change Explained guidance.
What remains unverified
The available reporting excerpt does not establish Dauod’s exact campaign wording, evidence, organizers or funding. It also does not verify the Reserve Bank’s primary instrument or its exceptions. The excerpt attributes a $1.6 billion annual consumer-savings estimate to the RBA, but without the original RBA publication that figure should not be treated here as independently verified.
Geography is important when looking up surcharge rules: Mastercard’s cited surcharge guidance is U.S.-specific and does not establish Australian law. Australian requirements should be checked against Australian primary sources.
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