Our Most Asked Question How Does Smartpay Work?​

We're an EFTPOS company that provides payment solutions to small to medium sized businesses in Australia and New Zealand. Put simply, we help merchants accept card payments through our portable EFTPOS machine and simplify the process as much as possible, backed by local 24/7, 365-day expert support.

Our most popular EFTPOS solution, Smartpay Zero Cost™ EFTPOS, is a no-fee EFTPOS product that passes on a small surcharge to the customer, completely covering your merchant service fees and monthly terminal rental if you transact more than $10,000 per month. We also offer a Simple Flat Rate solution if you choose to absorb merchant fees.

We'll cover our solutions in more detail below.

Step 1 Getting started with Smartpay​

Ready to start saving on EFTPOS fees?
Perfect! We are here to make the switch to Smartpay as seamless as possible.

At Smartpay, we offer two plans: Smartpay Zero Cost™ EFTPOS and Simple Flat Rate. You can look at which one will be more suited to your business, or if you prefer to speak to a Payment Specialist to help you decide, call us on 1800 574 999.

Step 2 Choosing the perfect solution

We understand that no two businesses are the same, which is why we offer two solutions that merchants can choose from:

Smartpay Zero Cost™ EFTPOS

Say goodbye to EFTPOS fees

Exactly as its name states - it's Zero Cost™ EFTPOS! This is our most popular solution, trusted by thousands of merchants across Australia. If you are a business that transacts more than $10,000 per month on card transactions, we can completely eliminate your merchant service fees and monthly terminal rental.

We understand some months may be slower than others - if you transact less than $10,000, there is a small terminal rental fee of just $34.95+ GST.

Learn more about Smartpay Zero Cost™ EFTPOS.

Simple Flat Rate

A predictable EFTPOS bill, every month

Our Simple Flat Rate plan means no nasty surprises or bill shock at the end of the month. After connecting with a Payment Specialist, you will be given an industry-tailored flat fee for all Visa, Mastercard, Alipay and WeChat Pay transactions.

A customer comes in and wants to pay with a platinum frequent flyer card? No problem - enjoy one Simple Flat Rate, and predictable monthly transaction fees.

Learn more about Simple Flat Rate

Step 3 Completing an application​

Once you've decided on the perfect EFTPOS solution for your business, a Payment Specialist will walk you through a quick application over the phone. They'll also let you know of any further documentation needed to get started.

Once approved, we'll deliver the terminal to your door! This process is easy and end-to-end and can take as little as a week to move through.

Step 4 Start transacting!​

You'll receive your Smartpay Starter Kit, including a step-by-step guide on how to set up your Smartpay EFTPOS machine.

Our terminals are built to be user-friendly and Plug & Play. Of course, if you are having any trouble and would like more guidance, you can always call our local support team on 1800 433 876.

You are now ready to start taking payments! Simply punch in the amount on the terminal the customer needs to pay, and the surcharge is calculated automatically for you. You will receive the full amount of every transaction next business day, settled into a business bank account of your choosing.

Step 5 Enjoy 24/7, 365 Support

We understand the frustration of dealing with the big banks, with endless wait times and queues to speak to a human. At Smartpay, we pride ourselves on our customer service, which is why we have a 24/7, 365 technical help desk team and a designated point of contact for every merchant.

If you are having any technical issues, just give our local customer service support team a call at any time, and they will be able to help you through your problem.

Frequently Asked Questions

About Smartpay

Close up of hand tapping Visa card on Android terminal with Cafe items in the background

Get Started with Smartpay

Every month our Payment Specialists help thousands of businesses just like yours get the right payment solution. Let’s chat about your business today.