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September 2026 – Stripe payments

We've extended Wiise Stripe Payments so customers can settle a whole statement in one payment, and handled the Australian card surcharging ban for you

Card surcharging removed for Australian customers from 1 October 2026

To help business owners and financial controllers stay compliant with the Reserve Bank of Australia's payments reforms without tracking a deadline themselves, we've built a date-driven cutover into Wiise Stripe Payments for Australian environments.

From 1 October 2026, the RBA's reforms remove the ability for merchants to add a surcharge when a customer pays by card, covering eftpos, Visa, Mastercard and American Express. Compliance risk sits with the merchant, not with Wiise or Stripe, and card networks and payment providers are expected to enforce the no-surcharge rules from day one. Without this change, every Australian customer using surcharging would have had to remember to switch it off themselves, on the right day, or risk breaching scheme rules and having payments disputed or refunded.

What changes:

  • Before 1 October 2026, surcharging works exactly as it does today. Payers see the same checkout, including any surcharge the merchant has enabled.
  • From 1 October 2026, Wiise payment links no longer add a surcharge for any card type in Australian environments, regardless of how the "Charge Stripe Fee to Customer" setting is configured.
  • Payers are taken straight to the standard Stripe checkout with the invoice amount only.
  • Payments continue to flow into Wiise Stripe Payment records and the cash receipt journal exactly as they do today.
  • New Zealand environments are unaffected and surcharging continues unchanged.

What this means for you: you are compliant on the day the ban starts without lifting a finger. No missed deadline, no accidental surcharging on 1 October, and a cleaner checkout with a single total for your payers.

What you need to do: nothing. There is no setting to change and no configuration required. Your existing surcharge setting is simply no longer applied in Australia from 1 October.

This is especially valuable for any Australian business currently passing Stripe processing fees on to customers at checkout — particularly those closing a quarter or month-end in the same week the ban takes effect.

Stripe pay links on customer statements

To help AR officers and financial controllers stop reverse-engineering lump-sum payments, we've added a Stripe pay link to customer statements that carries the identity of every invoice on the statement.

Previously, Stripe payment links in Wiise were attached to a single sales invoice, so a payment could only ever be applied unambiguously to that one document. A statement covers many open invoices. Customers paying off a statement either clicked through each invoice's link separately, or paid a lump sum by other means and left the AR team to work out which invoices it covered. Amount-based matching gets it wrong often enough that finance teams stop trusting it, and paying one invoice at a time is slow enough that some customers stop using pay links altogether.

What you can now do:

  • Generate and send the customer statement from Wiise as usual — it now includes a Stripe pay link.
  • Let customers open the link and see the open invoices from that statement, with the latest remaining amount on each pulled from Wiise at that moment, so anything paid or credited since the statement was sent is already reflected.
  • Let customers select the invoices they want to pay and complete a single Stripe payment for the total.
  • Receive the payment in the cash receipt journal with lines already applied to the selected invoices.
  • Have partially paid invoices applied for their remaining amount automatically. In the rare case an invoice has been fully paid in the meantime, the amount is brought into the journal against the customer without an application, ready for review.

What this means for you: one link settles a whole account. Payments arrive pre-applied to the right invoices, so reconciliation becomes a review step instead of a matching exercise. Customers see their true current balance and get a faster way to pay, which means more of them use it — and you keep a clean, auditable trail from statement to payment to ledger application.

What you need to do: nothing beyond having Wiise Stripe Payments configured. Statements generated from Wiise include the pay link automatically.

This is especially valuable for businesses with trade or account customers who settle several invoices at once — building supplies distributors, wholesalers, and any business sending monthly statements across a large account book.

Available in: Australia and New Zealand environments.

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