Review of the Australian Payments System

Small business merchants are facing increasing payment service costs. Small businesses are under-represented in industry advisory bodies and in the ownership structure of payments infrastructure. For these reasons, we depend heavily on regulation to ensure small business interests are appropriately represented. Our members are of the view that the current regulatory frameworks should integrate the interests of small business merchants. The rise of digital payments and the increasing complexity of payment chains is increasing the risk of technology and other developments undermining the interests of merchants and small business generally.

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