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Zero Cost EFTPOS


Never pay EFTPOS fees again.

Keep every dollar of your sale with our Zero Cost EFTPOS solution.

If you have a monthly turnover of over $10K in card transactions on each terminal, we can wipe out your EFTPOS rental as well. Ka-ching!

Eliminate EFTPOS fees

No terminal rental and no transaction fees.

Get paid in full, fast

Prompt payment to your chosen bank account.

Speedy 24/7 support

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

Simple set up

Quick application process. Easy plug and play set up.

Your Zero Cost EFTPOS solution includes:

Unlimited fee-free transactions

No lock-in contracts

Calculate the right surcharge automatically – no admin or guesswork

Customise when you apply a surcharge, and for what cards

Portable, lightweight terminal that connects through 3D, WiFi or Broadband.

Settlement to your chosen business bank account

How much could you save with Zero Cost EFTPOS?

Claire runs a boutique beauty salon. Her turnover averages about $25K a month. But around Christmas, Valentine’s Day and Mother’s Day, that can jump to around $35k per month.

Zero Cost
Monthly Fees
$250-$300 p/m
Terminal Rental
$29.95 p/m
Add on features
Paper rolls
Free! pay delivery

Not sure surcharging is for you?

We can still simplify your fees with our Simple Flat Rate plan.

How much could you save with Zero Cost EFTPOS?

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

Easy setup process. Better rates than our bank which we are customers of over 10 years.

Matt H - Wodonga, VIC

Trades Services

I’m extremely happy… probably one of the best decisions I’ve made this year was to move across to Smartpay.

Aaron R - Darwin, NT

Leather goods retailer

Thank you to the Smartpay staff who worked hard to get an urgent terminal on time!

Ben H - Sydney, NSW

Education charity


Our lightweight terminal can connect via 3G mobile, Wi-Fi, or broadband and can support add-on functions like contactless payments, Tipping and Mail Order/Telephone Order (MOTO). PLUS coming soon – Alipay and WeChat Pay Chinese payments.

Any business with an average turnover of over $10,000 per month in card transactions can apply for Zero Cost EFTPOS. If your turnover is below this on a particular month however you will be charged terminal rental but you won’t have any transaction fees to pay. To see how this minimum threshold is calculated, read the FAQ “Is terminal rental an extra charge?”.

We waive the $90 +GST set up fee on joining and you only need to pay it if you leave before 12 months.

Ready to say goodbye to EFTPOS bills?
Get Zero Cost EFTPOS 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.