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Australia’s Leading EFTPOS Machine

Your Payment Partner: EFTPOS Terminals Built to Help Aussie Businesses Save

Join thousands of businesses across Australia who have made the switch to Smartpay EFTPOS

Why Choose Smartpay EFTPOS Machines?

(and how you’ll be left saying, easy as!)

Save on fees with Smartpay EFTPOS Machines

When you choose Smartpay as your EFTPOS partner, you’re choosing one of Australia’s largest independent EFTPOS machine providers. We’re a team of EFTPOS specialists based in Australia and New Zealand, here to help you seamlessly facilitate card payments.

Offer Your Customers Flexible Payment Options

Accept all the popular payment methods, including Visa, Mastercard, EFTPOS Debit, American Express and more. Enjoy simple, speedy, contactless payments from cards, phones and wearable devices, including Apple Pay, Google Pay and Samsung Pay.

Customisable For Your Business Needs

Need integrated EFTPOS? Or the ability to turn off customer receipts? Or maybe you’d like to enable tipping? We can customise our EFTPOS terminal to meet your business’ needs. 

What Could Smartpay Zero Cost™ EFTPOS Mean For Your Business?

Hassle-Free Transactions With an Easy-to-Use Terminal

Easy-to-use by design, the Smartpay EFTPOS machine requires zero training and is plug & play from the get go. No learning curve for you or your staff – simply switch it on and away you go.

Ensure Your Customers' Safety with Secure Transactions

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.

24/7 Terminal Support and Troubleshooting

Experience around-the-clock local phone support, 365 days a year. Looking for quick troubleshooting tips? Visit our online Help Centre, otherwise call us on 1800 433 876 to connect with an Aussie or Kiwi EFTPOS specialist.

Smarter EFTPOS Machine Features

Contactless Payments

All payment types are accepted, including contactless devices, chip cards and mobile wallets like Apple Pay or Google Pay. We also accept QR payments, including AliPay and WeChatPay.

Built-In Receipt Printer

Print receipts directly from the EFTPOS machine with a built-in receipt printer, or turn receipts off to save on paper rolls in seconds.

Plug & Play EFTPOS

No technician needed to get set-up. Simply unbox your terminal, switch it on, and start processing credit card sales and payments. It’s as easy as that!

Long Battery Life

With around 8 hours of battery life, your EFTPOS machine will keep payments flowing once you go portable. All Smartpay EFTPOS terminals come with a charging dock.

Point of Sale Integration

Need integrated EFTPOS? Connect your Smartpay EFTPOS machine to a number of POS providers, to streamline your business operations.

Stay Connected

Our EFTPOS terminal can connect via a free 4G modem (provided by Smartpay), Wi-Fi, broadband or even a mobile hotspot. With thousands of merchants based across Australia, from major cities to country towns, our connectivity options will keep your payments flowing.

Lightweight & Durable

Coming in at 360 grams, including the battery and built-in receipt printer, the D210E lightweight portable EFTPOS machine increases ease of movement during business operations, helping you deliver your quality goods or services faster.

Conduct Business Anywhere With Mobile Portability

Our mobile EFTPOS machine gives your customers the flexibility to pay in the easiest way possible. Accept credit card payments and contactless payments at the counter, at a table or on the move. Each mobile EFTPOS machine comes with a portable 4G modem, so you can keep taking card payments on the move.

Get Reliable Next Business Day Settlement

No need to ditch your business bank. We settle your funds into a business bank account of your choice next business day. Keep your bank, switch your small business EFTPOS.

Our EFTPOS Solutions

Whether you’re looking for a low-fee or no-fee EFTPOS solution, we can help. Get no nasty surprises with Simple Flat Rate, or completely eliminate your EFTPOS bill with Smartpay Zero Cost™ EFTPOS, and enjoy no monthly fees. It’s your choice with Smartpay.

Say Goodbye to Merchant Service Fees with Smartpay Zero Cost™ EFTPOS

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?

*Based on internal Smartpay data, November 2022.

Hear Success Stories From Businesses Like Yours

As the original Smartpay Zero Cost™ EFTPOS solution provider, we’ve worked with Aussie merchants for more than a decade, helping them save on merchant service fees and terminal rental.

Meet our Merchants

Switch to a Smartpay EFTPOS Machine and Watch Your Savings Grow

*If your business is transacting more than $10,000 per month on card transactions


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.

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 841 836 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.

Once 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 merchant receives a dedicated 4G modem 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 merchants – 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 merchants 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.

Switch to a Smartpay EFTPOS Machine and Watch Your EFTPOS Savings Grow