We keep costs low to help your business thrive. Take advantage of our Simple Flat Rate for clear fees with no nasty surprises. Or, get Smartpay Zero Cost™ EFTPOS with no monthly fees.*
Need integrated EFTPOS for speedy checkouts in your retail business? Or the ability to enable tipping for your restaurant? Maybe you just want to turn off customer receipts? Our EFTPOS terminals can be customised to meet your business needs.
As EFTPOS specialists, we're experts at keeping payments safe and secure. All payments processed through your Smartpay EFTPOS terminal are securely encrypted to protect you and your customers.
Your EFTPOS machine is vital for your business. When something goes wrong, you need it fixed ASAP. That’s why we offer around-the-clock local phone support, 365 days a year. Looking for quick troubleshooting tips? Visit our online Help Centre, or call us on 1800 433 876 to connect with an Aussie or Kiwi EFTPOS specialist.
Process all major debit and credit cards – Visa, MasterCard, EFTPOS and American Express. Accept contactless payment methods from cards, smartphones or wearable devices.
Our Android machines make contactless payment easy, accepting Mastercard Tap & Go and Visa payWave.
Smartpay terminals accept payments from smartphone and watch devices, including Apple Pay, Google Pay, Samsung Pay or Android Pay.
Our card reader accepts all major credit and debit cards, including Mastercard or Visa, and the free option to add on American Express.
“We love our Smartpay EFTPOS solution. They are so easy to deal with. All the surcharging calculations come pre-programmed, and that’s a big time saver by itself.”
"Switching to Smartpay has been a great move for our business. I can't recall a single blip in the past 12 months, and the fees are very reasonable. Even better, we no longer pay for the eftpos machine."
"I've been been using smart pay for over 3 years now in my restaurant (burger hub) and it has been flawless. The customer service is out standing, i'm currently in the process of referring a friend for her weekend market stall."
The average Smartpay merchant is saving $6,800* per year on transaction fees. By having your customers pay a small surcharge, you could be saving thousands of dollars every year.
Keep more of your hard-earned money in your pocket, or re-invest into your business. What will you do with your EFTPOS savings?
No EFTPOS bill or direct debit
Automated surcharging - no guesswork required!
No terminal rental if you transact more than $10,000 per month
No lock-in contracts
EFTPOS, standing for Electronic Funds Transfer at Point of Sale, is a type of payment that can be processed at any card terminal that accepts card payments – whether from a card, phone, watch or wearable device. EFTPOS transactions have become the new norm, and is the most common way customers choose to pay in Australia.
Learn more about EFTPOS and how it works here.
We work with thousands of businesses across Australia and New Zealand, across hundreds of industries. From bars to butchers and businesses in between, chances are we service your industry.
Give us a call on 1800 574 999 to see if we can work together.
EFTPOS machines have been for a long time considered essential for businesses. Accelerated further by the increase of card usage throughout the COVID-19 pandemic, more customers than ever are choosing to pay by contactless payments - facilitated by an EFTPOS machine.
Customers now expect the ability to make card transactions when purchasing goods or services at small businesses - and we’re here to help you process them!
Smartpay terminals are simple to use. Once you complete a quick application with a Payment Specialist, we’ll send your new EFTPOS terminal to your business. You'll also receive a Getting Started guide, but if you have any questions during set-up you can call our 24/7 support number.
After you get your EFTPOS machine, simply switch it on and start taking payments! Accept all the popular payment types, in all the popular ways.
A team of Payment Specialists are on-hand to help you make the switch to Smartpay - and can often have you up and running in less than a week!
Our merchants receive 24/7 customer support, 365 days a year from Aussie and Kiwi EFTPOS specialists. Need help at 3AM during late-night trade? We can help. Not happy with your EFTPOS machines? With no lock-in contracts, cancel anytime.
You don’t need Wi-Fi to use Smartpay. Every Smartpay EFTPOS customer receives a free built-in 4G SIM card with their payment terminal, providing you with a reliable connection. You can also connect your terminal to a mobile hotspot if needed.
Buying an EFTPOS terminal outright is a way to make business owners feel obliged to stay with a provider. That's why at Smartpay, we lease our EFTPOS machines to our customers - with no monthly rental fee if you transact more than $10,000 per month with our Smartpay Zero Cost™ EFTPOS plan.
Alongside this, technology regularly changes, so your latest and greatest terminal could very quickly become outdated and require an upgrade, leaving you out of pocket. All of our software updates are completed remotely, meaning you don't need to do anything on your end to have the latest security features on your terminal.
Your card transactions are settled into your business bank account next business day. This means we settle Monday, Tuesday, Wednesday and Thursday transactions the next day, and Friday, Saturday and Sunday transactions on Monday. The funds are available to you depending on your bank’s processing.
Our customers have found that their customers are accepting of a minimal surcharge. Surcharges are now common in many industries such as bars, cafes, restaurants, automotive services and professional services, and help businesses cover rising transaction costs.
We provide clear countertop signage with each terminal to ensure you clearly communicate the surcharge amounts to your customers before they pay. The terminal also clearly indicates a surcharge, before a customer pays.
You can choose to pay the surcharge for your customer on a particular transaction by bypassing this on the terminal. If you choose to bypass the surcharge we’ll subtract the surcharge amount from your settlement for that day’s trading so there is still no bill to pay at the end of the month. We will however send you an invoice for any surcharges paid by you.
Alternatively, you can suggest the customer pays by debit (which is a lower cost) or cash (no surcharge).
You can choose when setting up Smartpay Zero Cost™ EFTPOS to always pay the Debit/EFTPOS cost yourself instead of passing on to the customer. This way, your customers can still pay by card, but only pay a surcharge for using a Visa or Mastercard (debit or credit).
For credit and debit card transactions and payments you can pay the charge yourself but you choose to do this on an individual transaction level.
No, you don’t need to worry about that! Smartpay Zero Cost™ EFTPOS is hassle-free with no admin on your part, and we ensure that your surcharge covers your cost of acceptance and is compliant with RBA surcharging standards.
Yes, Smartpay EFTPOS terminals are able to perform mail order/telephone order (MOTO) payments. To begin accepting transactions where cards are not physically present, you’ll need to get in touch with us to set up this feature on your terminal.
When conducting MOTO payments, be sure to take extra care to prevent fraud.
For more information, please see our Help Centre MOTO guide.
The benefits of using an EFTPOS machine in your small business include:
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