Small business guides
Payments, costs and margins, worked out for people who run their own shop.
Australia
EFTPOS fees in Australia: what small shops pay and how much margin they cost
Big providers publish EFTPOS flat rates of 0.79%–1.6% per card payment, and surcharges are banned from 1 October 2026. See how much of your margin that takes.
Canada
Credit card processing fees in Canada: what small shops pay and how much margin they take
Square and Moneris charge 2.5% to 2.65% + 10¢ per credit card payment on flat rates; Interac debit costs about 9¢–12¢. See how much of your margin that takes.