Smarter EFTPOS
Solutions

We make EFTPOS simple and affordable with
two smart plans and no long-term contracts.

Smarter
EFTPOS 
Solutions

We make EFTPOS simple and affordable with two smart plans and no long-term contracts.

Choose a plan that suits your business

Want a simple way to manage your payment costs or an easy way to pass them on?
Either way you can keep your business bank and still get your money fast.

It’s your choice with Smartpay.

Simple Flat Rate

Know what you’ll pay

Know what to expect every month with one flat rate for all Mastercard and Visa Card Transactions. No more confusing monthly statements or nasty surprises.

N

Low flat credit card rate

N

Terminal rental included

N

Industry-tailored rates

N

24/7 expert support

Suitable for those processing $15,000+ in cards per month.^

SmartCharge

Eliminate your monthly EFTPOS bill

Keep every dollar from every sale with an easy-as automated surcharge – no terminal rental* or transaction fees.
Just more Ka-Ching!

N

Zero merchant service fees

N

No terminal rental*

N

Hassle-free surcharge solution

N

24/7 expert support

Suitable for those processing $10,000+ in cards per month

Compare our EFTPOS Plans

Simple Flat Rate

SmartCharge

Merchant service fees on card transactions
Simple flat rate for Visa & Mastercard. Fixed flat rate for debit cards Zero merchant fees for credit or debit
Terminal rental
Terminal included No terminal rental (requires minimum transaction value)
Customer surcharging
No surcharging unless you choose to apply your own surcharge Low automatic surcharge to your customers.
Option to absorb all debit fees, or pay specific transaction fees yourself on behalf of a customer
Free add on features

Including cash Out, Tipping and MOTO/card not present

N N
Free paper rolls

Just pay delivery and handling

N N
Accept all the latest payment methods including contactless and Apple Pay.

Chinese QR payment like Alipay coming soon

N N
Lightweight portable EFTPOS terminal

Connect by 3G mobile, Wi-Fi or Broadband

N N
24/7 support from technical specialists
N N
Eligibility
Available if you average over $15K per month in credit card transactions

If you have turnover below this we can offer you a simple flat rate but with a fixed terminal rental fee.

Available if you average over $10K per month in credit card transactions
Learn how Simple Flat Rate
avoids nasty surprises >
See what you could save
with Smartcharge >

Compare our EFTPOS Plans

Merchant service fees on card transactions?
Simple Flat Rate
SmartCharge
Simple flat rate for Visa & Mastercard. 
Fixed flat rate for debit cards
Zero merchant fees for credit or debit
Terminal rental?
Simple Flat Rate
SmartCharge
Terminal included No terminal rental (requires minimum transaction value)
Customer surcharging?
Simple Flat Rate
SmartCharge
No surcharging unless you choose to apply your own surcharge Low automatic
surcharge to your customers.
Option to absorb all debit fees,
or pay specific 
transaction fees yourself on behalf of a customer
Free add on features like Cash Out, Tipping and MOTO/card not present
Simple Flat Rate
SmartCharge
N N
Free paper rolls
Simple Flat Rate
SmartCharge
N
Just pay delivery and handling
N
Just pay delivery and handling
Accept all the latest payment methods including contactless and Apple Pay. Chinese QR payment like Alipay coming soon
Simple Flat Rate
SmartCharge
N N
Lightweight portable EFTPOS terminal that can connect by 3G mobile, Wi-Fi or Broadband
Simple Flat Rate
SmartCharge
N N
24/7 support from technical specialists
Simple Flat Rate
SmartCharge
N N
Eligibility
Simple Flat Rate
SmartCharge
Available if you average over $15K per month in credit card transactions

If you have turnover below this we can offer you a simple flat rate but with a fixed terminal rental fee.

Available if you average over $10K per month in credit card transactions

Not sure which plan is right for you?
Get advice from a payments specialist today!

Every month our payment specialists help hundreds of businesses in all sorts of industries to get the right payment solution. 
Talk to us about your business today.

Hear what our customers say about our plans

No matter your industry, we’ve got the perfect EFTPOS solution for you.
Whether you’re pouring craft beers, styling the perfect hair-do or repairing a car, Smartpay can help.

Better rates then our bank which we are customers of over 10 years. Matt H – Wodonga, VIC

Trades Services, Simple Flat Rate customer

When I researched other options I got in touch with Smartpay – I loved the way it would save me a good chunk of money.

Aaron R - Darwin, NT

Leather goods retailer, SmartCharge customer

About time someone is keeping the other crooks honest. No fees other than competitive one flat rate transaction fee. I now know where I stand with merchants fees.

Wayne S. - Wetherill Park, NSW

Sportswear Retail & Wholesale, Simple Flat Rate customer

I used to pay $500 a month in fees which now I pass on to the customer easily. With SmartCharge, If I sell a product for $9.90 then I’m getting $9.90. I don’t have to pay any other charges. I’m getting all I am supposed to get.

Kumar C - Cairnlea, VIC

Restaurant, SmartCharge customer

Discover why 25,000 merchants choose Smartpay for EFTPOS

More choice

Choose how to control your costs. Choose your bank. Choose to stay with no lock-in contract.

Simple honest pricing

Simple plans and no hidden charges. No surprises. No Stress.

Future proofed tech

One smart device. Faster access to the latest payment innovations like Chinese QR payments.

Speedy 24/7 support

Need help with your EFTPOS at 2am? Our experts are here for you 24/7.

Get advice from a payments specialist today!

Every month our payment specialists help hundreds of businesses in all sorts of industries to get the right payment solution.
Talk to us about your business today. Phone us on 1800 861 173 or request a call back by completing the form below.

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^ If you don’t maintain this average transaction value we reserve the right to move you to a more suitable plan that may charge terminal rental.

* On SmartCharge you need to process a minimum $10,000 credit card transactions per terminal per month, otherwise it’s a $34.95 (including GST) charge for terminal rental. You can’t aggregate the value of the terminal if you have more than one.

Read the full Terms & Conditions.

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