Zero fees. Ka-ching!

Never pay an EFTPOS bill again.

No fees.


Never pay an EFTPOS bill again with zero cost EFTPOS

With no terminal rental* or transaction fees to pay, SmartCharge lets you keep every dollar from your sale. Ka-ching!

Eliminate EFTPOS bills

No terminal rental* and no transaction fees so no bill to pay!

Get paid in full, fast

Prompt payment to your chosen bank account


No admin or guesswork. No lock-in contract.

Simple set up

Easy application and simple plug and plug set up.

How SmartCharge works

Say you’re a cafe business and your customer wants to pay for a salad and a glass of wine with EFTPOS. Once you’ve entered the amount of the meal ($29.00), our terminal will automatically calculate an appropriate surcharge ($0.48) and add it to the total payment amount ($29.48).

$29.00 (meal) + $0.48c (surcharge) = $29.48 (the total your customer pays)

The surcharge covers the cost of your EFTPOS fees, which means you have no bill to pay at the end of the month.

Read our frequently asked questions about SmartCharge and talk to us about eliminating your monthly EFTPOS bill.

How much could you save with zero cost EFTPOS?

Our customers are saving thousands of dollars a year with SmartCharge.

“I’m extremely happy and it’s probably one of the best decisions I’ve made this year was to move across to Smartpay. I’m getting a free service essentially and it’s saving me a good chunk of change. It’s been easy as.”

– Aaron Rodwell, Croc Stock and Barra
Read the full customer success story
“98% are happy to pay the surcharge. Customers don’t care as long as you provide good food and good service – that is what they want.”

– Kumar, Cafe Oliveto
Read the full customer success story

Get EFTPOS payments your way

More choice

You have the choice of pricing plan – either manage or eliminate payment costs. Plus, you’re free to choose your own business bank and there are no lock-in contracts.

Simple & transparent pricing

Terminal rental and paper rolls are included (or free!^). You’ll pay nothing for replacement of faulty equipment and add on features.

24/7 expert support

Our technical support team are dedicated to one thing – keeping your EFTPOS solution running 24/7.

Proven payment specialists

We’ve been making payments easy for nearly two decades. We develop our own software so we can bring you innovations, like Chinese QR payment, quickly.

Your fee-free EFTPOS solution includes:

 Unlimited fee-free transactions

 Automatic calculation of a minimal surcharge to pass on the cost of acceptance to your customer – no admin or guesswork

 Free portable, lightweight terminal^ that connects through 3G, Wi-Fi or Broadband

 No commitment

 Ability to opt to pay a surcharge on a customer’s behalf when processing a transaction

 Settlement to your chosen business bank account – what we bank is yours to keep

Not sure SmartCharge is right for you?

Not sure SmartCharge is right for you? Read how to surcharge and keep your customers smiling.

Or we can still simplify your fees with no terminal rental with our Simple Flat Rate plan.

Ready to say goodbye to EFTPOS bills?

Get in touch

Give us a call on 1800 433 876 today, or submit your details and a payments specialist will call you back.

We can turn around your application by the next business day so you can start saving straight away.

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Terms and Conditions

*A minimum $10,000 credit card transactions per terminal per month applies, 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.

^Shipping and handling fees apply.

View the full terms and conditions.


CALL SALES 1800 433 876
CALL SUPPORT 1800 433 876