{"id":526365,"date":"2026-03-26T14:30:00","date_gmt":"2026-03-26T18:30:00","guid":{"rendered":"https:\/\/www.paymentsjournal.com\/?p=526365"},"modified":"2026-03-26T13:30:16","modified_gmt":"2026-03-26T17:30:16","slug":"new-zealands-credit-card-surcharge-ban-may-not-happen-after-all","status":"publish","type":"post","link":"https:\/\/www.paymentsjournal.com\/new-zealands-credit-card-surcharge-ban-may-not-happen-after-all\/","title":{"rendered":"New Zealand\u2019s Credit Card Surcharge Ban May Not Happen After All"},"content":{"rendered":"\n<p>A proposed ban on credit card surcharges in New Zealand, set to take effect in May, appears to be on its last legs after a key political party withdrew its support.<\/p>\n\n\n\n<p>New Zealand introduced legislation last year to ban in-store surcharges on both card and contactless payments. An industry group, Retail NZ, opposed the move, warning that businesses would likely have to raise prices elsewhere to recover payment costs.<\/p>\n\n\n\n<p>Now, the ACT Party, which had been working with the government to refine the bill, says <a href=\"https:\/\/www.rnz.co.nz\/news\/business\/576245\/retailers-back-act-s-proposal-for-flexible-credit-card-surcharges\" target=\"_blank\" rel=\"noreferrer noopener\">the proposed ban is effectively dead<\/a>. The opposition Labour Party had never supported the measure. While the country\u2019s Commerce and Consumer Affairs Minister maintains the bill is still under consideration, its political backing has largely collapsed.<\/p>\n\n\n\n<p>\u201cIt was obviously appealing to take away a fee that a lot of customers hate, but if it only puts that fee on to the small business, it&#8217;s not actually a win,&#8221; ACT Party leader David Seymour told RNZ. \u201cIt&#8217;s just a shift, and often carried by people that can&#8217;t afford it at all.\u201d<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-a-political-hot-potato\">A Political Hot Potato<\/h2>\n\n\n\n<p>These extra fees have become common in the U.S., where only three states\u2014Massachusetts, Maine, and Connecticut\u2014<a href=\"https:\/\/www.paymentsjournal.com\/massachusetts-bill-may-pass-credit-card-surcharges-to-consumers\/\" target=\"_blank\" rel=\"noreferrer noopener\">explicitly ban credit card surcharging<\/a>. But debate over the fees, like the charges themselves, is becoming more visible. <a href=\"https:\/\/javelinstrategy.com\/our-team\/don-apgar-0\" target=\"_blank\" rel=\"noreferrer noopener\">Don Apgar<\/a>, Director of Merchant Payments at Javelin Strategy &amp; Research, describes the situation as a \u201cpolitical hot potato.\u201d<\/p>\n\n\n\n<p>\u201cIf you&#8217;re in favor of surcharging, then you get framed as anti-consumer because these large merchants already make millions,\u201d Apgar said. \u201cIf you&#8217;re anti-surcharging, then you get framed as being against small business.\u201d<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-consumer-complaints-are-being-heard\">Consumer Complaints Are Being Heard<\/h2>\n\n\n\n<p>Consumers are starting to take notice of the surcharges\u2014and they\u2019re not happy. The issue may be approaching a tipping point where public sentiment turns against such fees for good.<\/p>\n\n\n\n<p>\u201cPeople are starting to pay attention to their bills and speak out against paying an extra fee,\u201d Apgar said. \u201cYou&#8217;ll see the tide go out at about the same speed as it came in, with merchants gradually opting not to add surcharges.\u201d<\/p>\n\n\n\n<p>\u201cI took my truck in for service last week and the guy has a notice on his website that credit cards will be charged an additional 3% fee,\u201d he said. \u201cBut when I paid, no fee was added. I asked the owner, and he said he stopped surcharging because customers were complaining and he hadn&#8217;t updated the website yet.\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A proposed ban on credit card surcharges in New Zealand, set to take effect in May, appears to be on its last legs after a key political party withdrew its support. New Zealand introduced legislation last year to ban in-store surcharges on both card and contactless payments. An industry group, Retail NZ, opposed the move, [&hellip;]<\/p>\n","protected":false},"author":8441,"featured_media":519093,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"format":"standard","override":[{"template":"1","parallax":"1","fullscreen":"1","layout":"right-sidebar","sidebar":"default-sidebar","second_sidebar":"default-sidebar","sticky_sidebar":"1","share_position":"top","share_float_style":"share-monocrhome","show_share_counter":"1","show_view_counter":"1","show_featured":"1","show_post_meta":"1","show_post_author":"1","show_post_author_image":"1","show_post_date":"1","post_date_format":"default","post_date_format_custom":"Y\/m\/d","show_post_category":"1","show_post_reading_time":"0","post_reading_time_wpm":"300","post_calculate_word_method":"str_word_count","show_zoom_button":"0","zoom_button_out_step":"2","zoom_button_in_step":"3","show_post_tag":"1","show_prev_next_post":"1","show_popup_post":"1","number_popup_post":"1","show_author_box":"0","show_post_related":"0","show_inline_post_related":"0"}],"image_override":[{"single_post_thumbnail_size":"crop-500","single_post_gallery_size":"crop-500"}],"trending_post_position":"meta","trending_post_label":"Trending","sponsored_post_label":"Sponsored by","disable_ad":"0"},"jnews_primary_category":{"id":"1261"},"jnews_social_meta":[],"jnews_override_counter":{"view_counter_number":"0","share_counter_number":"0","like_counter_number":"0","dislike_counter_number":"0"},"footnotes":""},"categories":[137,1261],"tags":[147,65634,1211,743,291],"class_list":["post-526365","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-analysts-coverage","category-merchant","tag-contactless","tag-credit-card-surcharging","tag-merchant","tag-new-zealand","tag-surcharge"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>New Zealand&#039;s Credit Card Surcharge Ban May Not Happen - PaymentsJournal<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.paymentsjournal.com\/new-zealands-credit-card-surcharge-ban-may-not-happen-after-all\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"New Zealand\u2019s Credit Card Surcharge Ban May Not Happen After All\" \/>\n<meta property=\"og:description\" content=\"A proposed ban on credit card surcharges in New Zealand, set to take effect in May, appears to be on its last legs after a key political party withdrew its support. New Zealand introduced legislation last year to ban in-store surcharges on both card and contactless payments. 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