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Homeowner STC questions and trust

Is the STC discount upfront, and what is point of sale?

Short answer

In most Australian solar sales the STC discount is taken off the price at the point of sale, because you assign your certificates to the installer. It is not a cheque from the government later. Check your quote shows both the full price and the discounted price.

Written and checked by the Energy Merchants desk · Reviewed 3 October 2026 · For homeowners

The phrases “point of sale solar rebate”, “point of sale discount” and “is the STC discount upfront” all describe one thing: how Australians normally receive the Small-scale Renewable Energy Scheme benefit.

What point of sale means

There is no government cheque. The incentive is a certificate, an STC, created after the system is installed. To avoid you waiting and trading them, the installer gives you the value as a discount on the day, then collects the certificates by way of the assignment form you sign. The discount is “upfront” because it reduces what you pay immediately. It is a point of sale discount because it is applied to the sale itself.

You can see how this works in our short guide to the upfront rebate and in what assigning STCs means.

Is the STC discount included in the price?

This depends on how the quote was written. Two layouts are common:

  • Shown separately. System price, then a negative STC line, then the amount payable. This is the clearest.
  • Already deducted. A single “after rebate” price. It looks tidy but hides the numbers.

Many advertised prices are “after STCs” prices, which means the real price is higher. Ask: “Is that figure before or after the STC discount, and how many STCs is it based on?” If the answer is vague, treat the quote cautiously.

When the discount is not upfront

There are a few cases where the benefit does not arrive on the day:

  • You keep the STCs and sell them yourself, which delays the money and takes registry paperwork.
  • A retailer promises a rebate “cashed back” after installation. This is a warning sign, since the discount should not depend on you waiting for anything.
  • Finance arrangements where the loan covers the full price and the certificate value comes back separately. See STCs and no interest loans.
From the desk: If anyone says "pay the full price now and we will refund the rebate", ask for the refund date in writing and the amount in dollars. Most disputes start there.

What this means for you

Always compare the same layout across quotes: price before the discount, STC count, unit value and amount payable. Use our STC calculator to sanity check the figures, and read how GST works on the invoice. The homeowners guide covers the wider picture. Installers can see how their claim gets settled behind the discount on our how it works and pricing pages.

A quick checklist before you sign

Ask for the full price before the discount, the STC count and unit value, the amount payable, and the date the installer will confirm the claim was lodged. If those four items are on the quote, the upfront discount is real and easy to verify. If any is missing, ask for it before you pay a deposit.

Follow-up questions

People also ask

What does point of sale discount mean?
The value of the certificates is deducted from the price when you buy, in exchange for signing over your STCs.
Is the STC discount included in the quoted price?
Often the headline price already has it deducted. Ask whether the quote is before or after the STC discount.
Can I get the money later instead?
Yes, if you keep the right to create the STCs. You would then sell them yourself, and wait for payment.

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