The surcharging framework introduced by the Reserve Bank of Australia is designed to ensure businesses have the right to surcharge to cover their cost of accepting payment cards while also ensuring that consumers are not excessively surcharged. The Australian Competition & Consumer Commission (ACCC) has the power to investigate complaints relating to excessive payment surcharges and can request a business to provide evidence of their cost of processing a payment to determine whether or not the business is excessively surcharging. If the ACCC deems that a business is excessively surcharging, the ACCC can issue an infringement notice or take court action against the business, and seek pecuniary penalties.