About this site
Independent coverage of the 2026 surcharge reforms, written by a payments specialist.
Who writes this
David Johnston is a payments specialist with more than 20 years in banking and finance across Australia and the Asia-Pacific, including transactional-banking and merchant-acquiring leadership roles at NAB, ANZ and Westpac. He founded Dubston Pty Ltd, through which he consults on payments strategy and has built payment brokering software now used by ISOs across Australia. He has established an ISO (with Fiserv as the acquirer) for a venture-capital group, consulted for device manufacturer PAX and the Payments Consulting Network, and run merchant-services RFPs across Asia-Pacific markets. His work spans least-cost routing, interchange and scheme management, merchant acquiring and payment-gateway integration, with direct connections across the card schemes (Visa, Mastercard, eftpos), acquiring banks and PSPs. He holds a Bachelor of Commerce.
Areas of expertise
- Least-cost routing
- Interchange and scheme fees
- Merchant acquiring
- Payment gateways
- ISO, PayFac and reseller setup
- Card-present and card-not-present payments
- EFTPOS terminals
- Payments strategy and RFPs
Disclosure
Disclosure: this site is independent, expert-written coverage of the 2026 surcharge reforms, published by Dubston Pty Ltd. It is general information, not advice, and is updated as the reforms develop.
Business details
- Operated by
- Dubston Pty Ltd
- ABN
- 18 134 550 566
- General questions
- info@rbasurchargeban.com.au
- Enquiries
- sales@rbasurchargeban.com.au