Knuckle-Busters in 2025: Manual Card Imprinters and Their Role in Australian Payments

Australia’s payments landscape in 2025 is a world of digital wallets, instant settlements, and NFC tap-and-go. But there’s one relic of the past you might still spot behind certain counters: the knuckle-buster. These manual credit card imprinters—named for the scraping sound and effort required to use them—seem like museum pieces. So why do some Australian businesses still keep a knuckle-buster under the counter, and is there any reason you should care?

What Is a Knuckle-Buster and Why Did It Matter?

The knuckle-buster is a manual card imprinter: a mechanical device that physically copies the embossed numbers from a payment card onto carbon paper slips. Before magnetic stripes, chips, and contactless, this was how merchants captured payment details for card transactions. The paper slip, signed by the customer, became the merchant’s proof of sale, submitted for processing later. In the 80s and 90s, every Australian shop had one.

• Reliability: No power or phone line needed.

• Low-tech: No risk of digital hacking or outages.

• Universal: Worked with any embossed credit or debit card.

Fast forward to 2025, and the Reserve Bank of Australia (RBA) reports over 98% of point-of-sale payments use digital methods. Yet, the humble knuckle-buster lingers on in some corners of the economy.

Why Are Knuckle-Busters Still in Use in 2025?

While rare, knuckle-busters have not vanished. Here’s why some Australian businesses still keep one handy:

• Backup for Payment Outages: During major outages—like the 2023 Optus network blackout or EFTPOS failures—some merchants could only process sales via knuckle-buster. In 2025, the Australian Payments Network recommends businesses have a manual backup, especially in regional areas with patchy connectivity.

• Remote and Mobile Businesses: Outback fuel stops, rural markets, and pop-up events may still rely on knuckle-busters when mobile coverage is unreliable or digital terminals are cost-prohibitive.

• Disaster Recovery: Emergency services and disaster relief operations sometimes use manual imprinters when digital infrastructure is down—think bushfire zones or post-cyclone cleanups.

But there’s a catch: banks and card networks are phasing out the processing of manual vouchers. In 2025, most major Australian banks only accept knuckle-buster slips for a few card types, and processing fees are high. Merchants must check with their acquirer to avoid rejected transactions and chargeback risks.

Regulatory and Security Updates for Manual Imprinters in 2025

With fraud prevention a top priority, the Australian Competition and Consumer Commission (ACCC) and Australian Payments Network have updated guidance for businesses still using manual imprinters:

• Card Verification: Merchants must check photo ID for manual transactions. Many banks no longer guarantee payment without additional verification.

• Record Keeping: PCI DSS rules apply—even for paper. Merchants must securely store and destroy manual slips to avoid data breaches.

• Chargeback Risk: Transactions processed via knuckle-buster are at higher risk of chargebacks, particularly for disputed or fraudulent charges. In most cases, liability now sits with the merchant.

As of July 2025, Visa and Mastercard have reduced support for manual voucher processing, with some banks announcing full discontinuation by 2026. Businesses relying on knuckle-busters need to plan for these changes now.

Should Your Business Keep a Knuckle-Buster?

For most Australian businesses, the answer is no—modern payment terminals offer better security, faster settlement, and lower fees. But for those in remote areas or running high-risk operations, a manual imprinter may still be a useful (if increasingly obsolete) backup. Key points to consider:

• Check with your merchant acquirer if manual slips are still accepted and what card types are eligible.

• Train staff on security, verification, and proper handling of paper vouchers.

• Monitor regulatory changes and prepare to phase out manual imprinters before 2026.

The knuckle-buster is nearly extinct—but its legacy lives on as a reminder of the need for reliable backup and payment resilience in a digital world.