Zero merchant fees.

Never pay EFTPOS fees again.

Zero merchant fees.

Never pay EFTPOS fees again.

Keep every dollar of your sale with SmartCharge zero cost EFTPOS.
If you have a monthly turnover of over $10K in credit cards transactions on each terminal, we can wipe out your EFTPOS rental as well. Ka-ching!

Eliminate EFTPOS fees

No terminal rental (minimum threshold applies*) and no transaction fees.

Get paid in full, fast

Prompt payment to your chosen bank account.


No admin or guesswork. No lock-in contract.

Simple set up

Quick application process. Easy plug and play 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. Plus if you process more than $10,000 in credit cards transactions that month on that terminal, there’s no need to pay for that terminal either.

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

How much could you save with SmartCharge EFTPOS?

Our customers are saving thousands of dollars a year by zeroing out their EFTPOS fees.

“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

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.

Your SmartCharge EFTPOS solution includes:

 Unlimited fee-free transactions

 Calculate the right surcharge automatically – no admin or guesswork

 Portable, lightweight terminal that connects through 3G, Wi-Fi or Broadband.

 No commitment

 Customise when you apply a surcharge, and for what cards

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

Not sure surcharging is 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?
Order SmartCharge today.

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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*A minimum $10,000 credit card transactions per terminal per month applies. If you don’t meet minimum monthly volume a terminal rental fee applies. You can’t aggregate the value of the terminal if you have more than one.

Setup Fee costs of $90 plus GST will be charged if you cancel within 12 months. Shipping & handling fees apply to paper roll orders.

View the full terms and conditions.

CALL SALES 1800 433 876
CALL SUPPORT 1800 433 876