I'm a bit confused how you avoid the payment surcharge by splitting payments. ....
Its $2.75 DEFT surcharge per payment. If I do it over the counter, the lady just needs to scan the bill once, she can split payments, and $100 payment each time, so I pay bill amount + $2.75.
If I do it on self serve, each scan I do, I make a $100 payment (due to Perfect GC $100 amount) but only $97.25 reaches the biller. $2.75 goes to DEFT Payments (Macquarie?)