Who we are

This page explains who publishes Cost of Acceptance and how its guides and images are produced. Last updated: 28 October 2026.

Who publishes this site

Cost of Acceptance (localhost:4173) is an independent information site about Card payment processing and POS fees for Australian small businesses: how a merchant service fee is built (interchange, scheme fees, acquirer margin), pricing models, eftpos and least-cost routing, terminals, online gateways, chargebacks, PCI DSS, settlement, contracts and exit fees, and the RBA's 2026 surcharging and interchange changes for readers in Australia. It is run by a small independent publisher, not by a bank, insurer, law firm, clinic, broker or other provider. Ways to reach us are listed on the Contact page.

Who writes the guides

Guides are produced through an editorial process rather than by a named individual expert, so we do not show personal author bylines. Drafts are prepared with the help of AI writing tools and are then checked against laws, regulators, official portals and the published terms of providers. No page on this site has been written or reviewed by a licensed professional unless that page says so explicitly.

Images

Photographs and illustrations on this site are AI-generated unless a caption credits a photographer and a licence. They illustrate the topic only: they do not show real products, offices, customers, documents or places, and they are not evidence of a visit, purchase or review.

Accountability

Each guide shows when it was last updated and lists the official sources it relies on. If you find an error, please report it through the Contact page. How we research, correct and update content is described in our Editorial Policy.