The Hidden Cost of the Surcharge Ban
The end of merchant card surcharges from 1 October, could shift more cost pressure onto businesses who aren’t aware of the impact of merchant fees.

He specialises in formal appointments, investigative reviews and has worked in informal advisory roles with businesses ranging from SMEs to large corporate organisations.
Phil's industry focus includes financial services, hospitality, manufacturing, and retail and construction. With knowledge of cross-border insolvency and multi-jurisdictional issues, Phil has worked on matters including:
The end of merchant card surcharges from 1 October, could shift more cost pressure onto businesses who aren’t aware of the impact of merchant fees.
As housing momentum slows and consumers become more selective, pressure is beginning to emerge across discretionary retail with early warning signs emerging in cash flow, working capital, and superannuation compliance.
KPMG’s analysis of Australia’s big four banks’ half-year results show resilience amid global uncertainty, rising competition, and cost pressures.
As fuel price spike and logistics routes remain disrupted, businesses should rethink forecast assumptions, examine the details of their operations, and be prepared to take action.
The impact of Payday Super will be most pronounced in labour-intensive sectors with thin margins, increasing the likelihood that underlying pressures surface earlier and more abruptly.
The consumer and retail sector faces a convergence of macro forces from geopolitical volatility to the accelerating impact of AI. This KPMG report highlights how consumer and retail leaders are responding.
Though overall charitable giving has held up, it is becoming increasingly uneven and concentrated, which lessens the ability of NFPs to respond to cost escalation and demand for services.
A two-speed economy has emerged in Australia’s hospitality industry as small businesses weather the macroeconomic environment, and larger operators look for expansion opportunities.
This report examines how Total Experience and agentic AI sets the stage for how Australian organisations can lead with purpose, resilience and customer-centric innovation.
KPMG’s latest analysis on Australian Major Banks reveals steady FY25 results amid surging credit growth and technology spend.
Expectations for Australia’s retail sector to return to positive territory gets pushed back as slower GDP growth and global uncertainty from US tariffs have dampened momentum.
The recent Australian Pharmacy Professional conference saw government reiterating its commitments, updates from industry bodies, and discussions over emerging issues and concerns in the pharmacy industry.
Reduction of tax debt is a major concern for the Commissioner of Taxation with swift, deliberate and targeted recovery action foreshadowed – “repeat offenders” are specifically in focus.
Reduction of tax debt is a major concern for the Commissioner of Taxation with swift, deliberate and targeted recovery action foreshadowed – “repeat offenders” are specifically in focus.
The Federal Government is looking to reform the Fair Entitlements Guarantee to curtail businesses and directors from using the scheme of last resort for their own unfair advantage.
An analysis of recent ASX-listed company insolvencies reveals significant use of Safe Harbour but minimal shareholder disclosure. Emily Seeckts, Phil Quinlan, and Sarah Arnfield discuss their findings, methodology, and some limitation with the available data.
Phil Quinlan provides key advice for new arrivals to KPMG, in how they can make the most of their time and experience.
Turnaround & Restructuring Partner Phil Quinlan says there has been a steady increase in demand from businesses seeking advice or assistance with restructuring and solvency strategies over the last 12 months.
Turnaround & Restructuring Partner Phil Quinlan says a decline in discretionary spending is affecting a number of businesses, particularly in the hospitality sector.
Ongoing pressure on household budgets is constraining discretionary spend and likely to increase the failure rate of hospitality businesses over the next 12 months.
Australia’s smaller and faster-growing cities hold great potential on its own merits as thriving hubs of economic activity. KPMG’s inaugural ‘Enterprising Cities’ report presents key insights into the country’s 12 fastest-growing cities.