Mister Minit Franchise Saves $6,000 a year by fixing EFTPOS Problem

Mister Minit Franchise
Where does a Mister Minit franchisee go to fix a cash flow problem caused by their bank’s EFTPOS fees? They go to the payment specialists, Smartpay.

For franchise owner Dustin, Covid had been tough, but it was the way lockdowns changed how people paid that put pressure on his cash flow.

“More and more people were paying by card, so my bank’s EFTPOS fees kept increasing.”

 “I couldn’t continue to absorb these fees – definitely not with inflation,” says Dustin.

“That’s why I started looking for alternatives, and that’s when I found out about Smartpay Zero Cost™ EFTPOS.”

"I was paying the bank $500 monthly in transaction fees; that's $6,000 a year!"

Mr Minit Blacktown

How Covid changed the way Australians pay retailers

In Australia, there has been a 90% increase in digital wallets at point of sale (Australian Payments Network 2021). For many small businesses operating on tight margins, these transaction fees have become unsustainable – especially with inflation.

Smartpay Zero Cost™ EFTPOS takes a different approach. Instead of the bank charging the merchant a transaction fee, the terminal automatically works out a fair surcharge for the customer to pay.

The customer gets convenience and choice about how they pay, and the merchant receives the full value of every transaction and regains control of their cash flow.

Doing a repair job on cash flow

“I started off by speaking to a payment specialist at Smartpay,” says Dustin.

“He was great to deal with and very articulate. He cared about my business, and that was a refreshing change.”

“He explained exactly how Smartpay Zero Cost™ EFTPOS works and what it would mean for my business.”
two men standing behind counter at store
"I did the numbers and realised this was necessary to help the business improve its cash flow."
Mister Minit Franchise

Switching to surcharging a seamless experience

“I gave Smartpay the green light, completed the application, and the terminal arrived almost immediately. It was a simple plug-in and play process - no fuss at all. The terminal is so easy to use, we just punch in the amount and the surcharge is automatically calculated. There is no thinking, and no time wasted with reconciliation."

Repeat business keeps on repeating

"I'll admit I was a little worried about introducing a surcharge. I rely on repeat business and didn't want to lose any customers. But I knew more businesses were surcharging today. It's not new, and I felt it was worth a go."

“I think people understand businesses today don’t surcharge to take advantage of customers. We’re adapting to the changing payment landscape and trying to remain competitive.”

“I think it helps too that Smartpay Zero Cost™ EFTPOS calculates everything automatically. It’s transparent, and customers appreciate that.”

"Honestly, our customers remain happy since we introduced a surcharge."

Battery being replaced from watch

Smartpay Zero Cost™ EFTPOS the key to better cash flow

“We are saving $6,000 per year, and that is really helping our cash flow. The savings gave me the confidence to put on another part-timer, so I now employ another person,” says Dustin.

“I feel good about that, and our customers benefit from greater service.”

“If I really like something I will spread the word, and it’s a great product for small businesses.”

"I have recommended Smartpay Zero Cost™ EFTPOS to other Mister Minit franchises. I think it should be in every store."

How a Mister Minit franchise is benefting with Smartpay

Savings Per Year
Based in
Hand holding phone tapping Android terminal surrounded by cafe items

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