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Mister Minit franchise saves $6K p.a. by fixing EFTPOS problem

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 was paying the bank $500 monthly in transaction fees; that's $6000 a year!

 “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’s Zero Cost™ EFTPOS.”

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’s 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

Mr Minit Blacktown
“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 Zero Cost™ EFTPOS works and what it would mean for my business.”

"I did the numbers and realised this was a necessary move to help the business improve its cash flow."

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.”


“And the terminal 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.”

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

“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 Zero Cost™ EFTPOS calculates everything automatically. It’s transparent, and customers appreciate that.”

Zero Cost™ EFTPOS the key to better cash flow

“We are saving $6000 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.”

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

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

Want to know more about surcharging?

If you’re keen to learn more about how surcharging on EFTPOS works, or what you could save, find out more about Zero Cost EFTPOS. To talk about how surcharging could work for your business, get in touch with the team at Smartpay.

We have signs on our counter and advise customers when they pay; we are very transparent. The surcharge appears on the terminal screen and their receipt.