Client help
This fee applies to Australian clients only. New Zealand clients are not affected. From 16 October 2026, a 1.8% payment processing fee applies to every Termina invoice for Australian clients, whatever payment method you use. If you pay by bank transfer or bank direct debit, a matching bank payment discount applies, so you are no worse off.
The fee is set to recover the cost of processing payments. It applies to all invoices and all payment methods. We provide an equivalent bank payment discount on the invoice to clients who pay by bank transfer or bank direct debit.
1.8% of your invoice total including GST, shown as its own line on your invoice. The fee itself includes GST. For example, on a $1,000.00 invoice (including GST) the fee is $18.00, so the full amount is $1,018.00. If you pay by bank, you receive a Bank Payment Discount of $18.00.
The Bank Payment Discount is a discount off your invoice, equal to the Processing Fee. It applies when you pay by bank transfer or bank direct debit.
Bank direct debit: the discount is applied on the same invoice. If you already pay this way, there's nothing you need to do.
Bank transfer: where we can, depending on how you've paid us before, the discount is applied on the same invoice. Otherwise, the discount is applied to your next invoice once we receive your payment, or refunded if it's your final invoice.
Any other transaction fees in your agreement continue to apply.
You can set it up in your account settings at app.termina.io/account/admin. It takes a few minutes and applies from your next invoice.
No. The Processing Fee only applies to invoices issued on or after 16 October 2026. No card surcharge applies to payments made on or after 1 October 2026, whenever the invoice was issued.
No. Your energy rates and Termina's savings split are unchanged. The Processing Fee is set to cover the cost of processing payments.
Still not sure how this affects you? Email support@termina.io and a person will pick it up. You can see your invoices any time in your dashboard.