Find a business near you with no fees, surcharges or minimum spend when you pay by card.
What is a fee-free shop?
When they “tap & go”, many Aussies are unwittingly overpaying for everyday purchases. Payment card surcharges are eating away at bank balances. Finder believes consumers shouldn’t be hit with a surcharge or minimum spend amount for using their credit, debit or prepaid card. Fee-Free Shop recognises shops that don't charge extra for this convenience. Search for your closest card-friendly venue here so you can "pay fair" on your next lunch break, date night or shopping trip.
Want to add your business to the fee-free shops map? Sign up below.
How do I know I’m at a fee-free shop?
As well as using our map, look for the Fee-Free finder sticker at cafes, restaurants and retailers so you know you won’t pay a fee or have to spend over a certain amount when you use a card (or smartphone, or watch, or sunglasses or ring).
If you're visiting a store and it doesn't charge fees or a minimum spend, you can nominate it to receive a free sticker using the form below. You can also give your local cafe or store a shout-out with the #FeeFreeShop hashtag.
What you pay for a card surcharge fee depends on the retailer, the type of card you use and the amount of money you spend. While it’s usually around 0.5% of the transaction value for debit card purchases, it could be up to 3% for some credit cards.
If you bought coffee and lunch five days a week and paid a 1.5% card surcharge fee each time, it would cost you $50.62 per year. That might not seem like a lot, but that's just coffee and lunch.
Show your local shop some love
If you spot, own or work at a shop without fees, let us know using the form below and we'll mail out a sticker. We'll also have the map updated quicker than you can order your almond latte (double shot, no foam).
Submit the form above and once Finder checks your fee-free status, we will add you to the Fee-Free Shops map. We will also send you a Fee-Free Shop sticker to the address you provide, free of charge.
Submit the form and after your fee-free status has been checked, Finder will mail you a sticker free of charge. We will also add you to our interactive Fee-Free Shops map.
The sticker is a front-adhesive cling that you can stick it to your window, door, pastry case, or anywhere near your checkout to show customers they won’t have to pay a surcharge for using a debit/credit card to pay and that there is no minimum transaction amount for using one.
Being added to our interactive map and the fee-free sticker is also fee-free. Finder will add you to the map and send you a sticker at no cost to you.
Displaying the Fee-Free sticker tells your customers that they'll enjoy convenience of paying with their debit/credit card at your shop and not pay extra for it.
Australia is becoming an increasingly cashless society and we don’t believe anyone should be penalised for paying with cards. We're excited to recognise shops that don't charge a minimum or card surcharge fees, and encourage businesses that do to reconsider.
We understand that operating a business in Australia is expensive. While we think card fees should be abolished completely, this campaign is about celebrating businesses who don’t currently charge fees, not reprimanding those that do.
A surcharge fee is an additional charge on your purchase for using a debit/credit card to pay. Shops have to pay to process card transactions and can choose whether or not to pass the surcharge onto consumers. Fee-Free Shops recognise that minimum spend amounts are annoying, that debit/credit is convenient, and don’t pass this charge on.
It varies from shop to shop based on the cards they accept and the processors they use. Retailers can only charge what it costs them to process a transaction (including terminal costs and bank fees). This varies, for a typical debit card it costs about 0.5%, for a Visa or Mastercard it can anywhere between 1% - 2% and for American Express can be between 2% - 3%. If a retailer chooses to set a flat surcharge, they can only charge at the lowest cost level of accepted payment methods, not the average. So if a merchant wants to charge a flat surcharge fee and it costs 0.5% to process a Visa Debit transaction, and 3% to process an American Express Credit Card transaction, the surcharge can be set at a maximum of 0.5% of transaction value.
Submit the form above and we'll do the rest. Once we receive the nomination, we will confirm the free-free status of the shop, add it to our interactive map and send out a sticker.
Explore this page and all the FAQs. If you still have a question, leave a comment and we’ll do our best to answer it right away.
Despite Finder’s best efforts to keep its Fee-Free Shop map updated, there’s a chance there will be some shops displaying our sticker that apply credit card surcharge fees or a minimum spend amount. If you spot a shop which isn’t Fee-Free please email us at feefreeshops@finder.com.
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