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Zero Cost™ EFTPOS delights baker with $40K savings

Bakers might love customers tucking into their fresh bread – but they’re not OK with their bank taking bites out of their profits.

For Steven, who owns three Bakers Delight franchises, his bank’s appetite for card fees was the reason for changing his EFTPOS solution. It’s a move he’s happy he made, he says.

“I switched to Zero Cost™ EFTPOS from Smartpay, and the impact was immediate.”

"Zero Cost™ EFTPOS is saving me $40,000 a year across my three stores. It's helping my cash flow, and I'm getting better service."

Covid, cards and endless bank fees

“During Covid, more people started paying with their cards, which dramatically pushed up the transaction fees we were paying the bank.”

“I also wasn’t happy with my bank’s service. If I called them, I had to wait on hold for ages.”

"I felt like we were paying more, and our bank was taking us for granted."

I’d heard about Zero Cost™ EFTPOS and decided to call Smartpay.

Zero Cost™ EFTPOS is a better recipe for payments

With Zero Cost™ EFTPOS, there are no card fees. Instead of merchants paying fees, the payment solution automatically works out a fair surcharge and adds this to the customer’s bill.

"I thought, "I know I pay a surcharge at other businesses all the time, and it's never stopped me from returning."

“When we switched over, we simply placed signs on the counter and explained to our customers why we had made the change. We also made it clear they could still pay by cash.”

"99% of customers are happy to pay a small surcharge."

“I feel it’s normal now, and people don’t mind.”

Service delivered fresh every time

“The difference between Smartpay’s service and my old bank is like night and day.”

"When I call Smartpay, a payment specialist answers immediately, and they know their stuff; they care. They're just easy people to deal with."

“When it came to switching, my payment specialist made the process easy. I received my terminals almost immediately, and they’re so much more reliable than what we had from the bank.”

"We have 40 staff and do a high number of transactions daily, so reliability is imperative. Our Smartpay terminals just perform."

“We also love that the surcharge is calculated automatically. We punch in the amount, and it’s done.”

Switch to Zero Cost™ EFTPOS helps profits to rise


“Switching to Zero Cost™ EFTPOS has made an enormous difference to us. Adding $40,000 to my bottom line certainly helps my cash flow. Plus, because I receive the full value of every transaction, I don’t spend nights trying to reconcile confusing card payments.” Steven says.

“I think anyone who works bakers’ hours can appreciate that.”

“I have recommended Smartpay and Zero Cost™ EFTPOS to a number of other franchisees. It’s a brilliant way to save money and improve cash flow.”

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.