Beat Your Rate!

Let us try and beat your rate.

We don’t want you, or other business owners paying a cent more in EFTPOS fees than you have to.

For a limited time only, we’re going to try and beat your rate so you can join thousands saving thousands. You’ll experience leading service, that you deserve, that you may not have had with your bank or incumbent payments provider.

What could a lower rate mean for you? More savings for a rainy day, more money invested back into your business, the ability to replace old equipment?

Let’s see if we can beat your merchant fee rate. Get in touch today!  Please note that turnover, industry and pricing will define if we can beat your rate, but we will do our best.  If we can’t then you’ll be on a great rate already (but maybe not the service!).

Beat Your Rate Terms & Conditions

In every instance where an opportunity arises, we endeavour to offer a rate that is more favourable than your current one, subject to the conditions outlined herein. This commitment is contingent upon a variety of factors as detailed in these Terms and Conditions. 

1. Minimum Transaction Threshold
   To quality for the competitive rate offer, a minimum transaction volume of $10,000 per month is required. This threshold aligns with the minimum requirement applicable to our other product offerings. 
2. Average Ticket Considerions
   The determination of the competitive rate will take into account your Average Ticket, defined as the average cost of goods or services you sell. This metric will be a key factor in assessing the feasibility of offering a reduced rate. 
3. Influencing Factors
   Several additional factors may influence our ability to produce a competitive rate, including but not limited to:

• Provider Rate Comparison: If you current provider offers an exceptionall low rate (e.g. rates deemed unreasonably discounted by your bank, financial institution or you’re on a corporate or discounted rate for any reason to retain your business), we may be unable to match or beat such rates. 
• Industry Risk Assessment: Certain industries may be deemed high-risk from a risk management perspective restricting our ability to even offer a rate.

We will make a good-faith effort to provide a favourable rate; however, we cannot guarantee success in all circumstances

Should the number of influencing factors result in our inability to beat your current rate, we regret any disappointment this may cause. Our commitment is to assess each case diligently and transparently. 

These Terms and Conditions constitute the full agreement regarding the competitive rate offer. For a comprehensive understanding of all applicable terms, including additional merchant obligations and rights, please refer to our full Merchant Terms & Conditions available at: https://www.smartpay.com.au/help-centre/account/terms-conditions/