I think this one has to qualify…
https://choice.community/t/zippay-payment-was-surcharged-7/15935?u=phbriggs2000
If this can be substantiated (which is appears it can from the reply on Google Reviews), it is a real shonky one.
Zippay is sold to those who may not be able to afford things and unable to have sufficient credit from banks or others providers. The additional 7% hit at the cash register (compared to <2% for a credit card) is the least that our fellow Aussies can afford and is an excessive charge that should be a warning to others.
Imagining paying a surcharge of say $70 at the cash resister for a $1000 refrigerator, just so that you can purchase it. hhhhmmmm!