Three-party card schemes? Count again.

Guest Contributor

22 Sep, 2026
The distinction between three and four party schemes in Australia is increasingly blurry, writes Vibhu Arya.
Three-party card schemes? Count again.

The distinction between three and four party schemes in Australia is increasingly blurry, writes Vibhu Arya.

Subscriber article

This article is available to PayDay News subscribers.

trending

Yoti has added ConnectID to its age assurance platform, while PayDay News understands Epic Games also offers the service through Kids Web Services in a separate, unannounced move
Online contact accounted for two-thirds of scam reports involving financial loss among people with disabilities in 2025, prompting warnings from Commonwealth Bank and Vision Australia.
Coles’ quiet move to acquire Paydock brings payment orchestration technology into its retail payments business, with ACCC clearance carrying no special conditions and the platform already serving major
On The Interchange Bench this week, Novatti founder exits board, Cuscal summit puts financial crime and AI on agenda, Kuhlmann takes Westpac transaction banking role, Humm chair and
For the eight months to August 2026, Australians stopped using credit cards, paid down what they owed, and took out more cash. Surcharging ended on 1 October but

RELATED STORIES ▸

Surcharge “ban” fury: the RBA was warned but ignored it
Surcharge “ban” fury: the RBA was warned but ignored it
Surcharge “ban” fury: the RBA was warned but ignored it
The surcharge backlash was foreseeable. Independent Payments Forum and PayDay News warned of merchant anger, financial pain and inflation risks, ...
PayDay News turns two as annual growth tops 200%
PayDay News turns two as annual growth tops 200%
PayDay News turns two as annual growth tops 200%
PayDay News marks its second birthday this week, with a new platform, more than 1,000 published articles and a growing ...
Will AI agents capsize bank customer “loyalty”?
Will AI agents capsize bank customer “loyalty”?
Will AI agents capsize bank customer “loyalty”?
AI agents could soon turn customer inertia into “find me a better deal” for my banking, without sacrificing anyone’s Sunday ...
Be careful what you wish for. The inevitable outcome of the surcharge ban
Be careful what you wish for. The inevitable outcome of the surcharge ban
Be careful what you wish for. The inevitable outcome of the surcharge ban
Despite claims of savings for Aussie consumers and businesses that may come with the Reserve Bank’s decision on card fees ...
NSW Treasury’s big payments bet
NSW Treasury’s big payments bet
NSW Treasury’s big payments bet
$200 billion-plus. That is the scale and opportunity around NSW Government's annual payment activity, with money moving in and out ...
November 1 is when things get messy
November 1 is when things get messy
November 1 is when things get messy
When the first post-surcharging merchant statements hit struggling small businesses on 1 November, expect a loud and ugly reaction to ...

Got a story to share?

Get in touch with PayDay News today!

Advertising Enquiry

Fill out the form below, and we will be in touch shortly.

Contact Information

Got a story to share

Fill out the form below, and we will be in touch shortly.

Contact Information