Choosing an EFTPOS Services and Terminal Provider Made Easy

Here, there, anywhere? Take payments anywhere, anytime with Smartpay.
Smartpay EFTPOS machines are lightweight and portable, serving as your trusty payment sidekick. Taking your EFTPOS machine on the road? Our full-day battery life has you covered.

Every day, Australians make about 8.6 million card transactions on more than 990,000 EFTPOS terminals and it can feel like you have just as many options when it comes to EFTPOS service providers.

8.6 million card transactions
990,000+ EFTPOS terminals
+20 EFTPOS providers
Should you go with your bank? Or a tech company? Or a local payments expert like Smartpay?

We know it can feel overwhelming. But all you need to do is focus on what’s important to your business. Let’s dive in.

Discover What Matters to You

If you’re not sure what matters to your business, take a look at what others think. When Canstar surveyed Australian retailers about merchant services, they found retailer satisfaction was driven by:
Drivers of Customer Satisfaction

Customer Service

Payments are the lifeblood of any business, so you need to know your EFTPOS provider will be there when you need them.

So ask providers if they:

  • offer 24/7 support

  • have dedicated experts to answer your queries or if you’ll be interacting with a chatbot

  • if the customer team is based in Australia or overseas.

If you need help, the last thing you want is to be stuck on hold or given the runaround.

Smartpay provides an easy plug-and-play setup with remote software updates to make your life hassle free. And if you do need help, we’re here for you with 24/7 support. Call us anytime and an Australian or Kiwi payment expert will answer – straight away!.

Fees and Charges

Almost two out of three Australian business owners believe they could get a better deal on EFTPOS fees by shopping around, but less than one in four make the switch.

2 out of 3 Businesses

believe they could get a better deal on EFTPOS fees by shopping around.*

*Canstar study, 2018.

1 out of 4 Businesses

will actually switch EFTPOS providers.
Worried about switching banks? Don’t be.

If you go with Smartpay, you can stick with your current bank, or change it anytime; it’s up to you.

I was delighted how seamless the setup process was.
Owner, Bous for Men

Why is that? Probably because there are so many different fee structures and comparing options is confusing.

All-inclusive monthly plans (like what the banks’ offer) will have you paying for transactions you don’t use, while interchange plus will have you scratching your head with all the different charges for different cards.

Smartpay Zero Cost™ EFTPOS is a simple, automated surcharging solution that allows you to pass the costs of credit card processing on to your customers. This means no merchant service fees or terminal rental. These days, most customers don’t mind paying a surcharge when it’s done right.

Or perhaps our Simple Flat Rate is right for you. This is a straight-forward and transparent option that offers simplified competitive rates and helps you predict your EFTPOS bill at the end of the month.

Wide show ot Women tapping card on Android terminal at beauty salon counter

Speed of Service and Transaction

If you’re like most businesses, you want to get paid quickly.

Check if the provider offers next-business-day settlement. If you trade during the weekend, find out if the money will go into your account on Monday.

Also, make sure the provider checks your identity and business details before setting up your account. If they don’t, they might hold onto your funds to verify this info. And no one wants that!


We get it. You’re busy running your business and you’ve got a lot on your mind. The last thing you need is your EFTPOS failing at peak times. That means lost sales and customers walking out the door empty handed.

That’s why it’s so important to choose a dependable EFTPOS terminal provider. Smartpay EFTPOS machines are reliable, robust and packed with the latest security and compliance measures. And we provide country-wide support 24/7, 365 days a year which means minimal downtime if there is an issue. Our in-house tech team can sort out any problems in no time flat.
Women going to tap card on Android terminal at Cafe
Visa card tapping Android terminal surrounded by takeaway shop items

Online Reporting

Want to track transactions, monitor sales and identify trends? We hear you. That’s why at Smartpay we also offer a real-time online reporting tool that is intuitive, comprehensive and provides actionable insights. Chat with the team at Smartpay today about what insights we can help you uncover.

Device Functionality

Your EFTPOS terminal gets a workout and it needs to be up to the task. So when choosing an EFTPOS provider, consider what cards your customers use. Visa, MasterCard and tap and go are standard but do you also need to accept AMEX? Find out what cards are accepted and the costs involved. 

Ask your EFTPOS terminal provider if its machines:

  • process payments in the blink of an eye

  • are always connected with 4G, Wi-Fi or broadband options

  • are portable so can go wherever you go as well as sit on a countertop cradle

  • accept all payment types, including major cards, wearables and contactless payments 

  • will settle quickly into your chosen business bank account

  • integrate with your POS system

  • take no time to set up and require no technical know-how to use.

That’s a big tick from us. Our plug-and-play terminals are user-friendly for staff and provide a seamless experience for customers.

Hand holding Android terminal on top of wooden table with different food items

Choosing the Right Provider for Your Business

Your EFTPOS terminal provider is an essential partner in your business and they should be able to make a strong case for why they’re the best solution for your business. Make sure to ask them: 

  • How simple is this solution to set up?
  • How easy is it for my staff to use?
  • Who maintains the security software?
  • How can I connect to the network? Fixed line, Wi-Fi or mobile?
  • How do settlements work?
  • How easy is it to upgrade terminals?
  • Can we integrate with a POS system?
  • What payments can you accept?

If they can’t answer these to your satisfaction,
keep looking.

Ready to Get Started?

The above should help you choose the EFTPOS provider that’s right for your business. Keen to partner with best-in-class payments specialists and save on fees? Contact the Smartpay team today!

Trusted by +30,000 Businesses Like Yours

Our customers are saving thousands of dollars a year by eliminating their EFTPOS fees.
Versa Skin shop outside front of store

"Switching to Smartpay Zero Cost™ EFTPOS has helped us save significant costs by removing our EFTPOS fees.”

VIC, Hair & Beauty
Plate of tacos and dipping sauce

“The terminals work extremely well. Smartpay are really payment specialists.”

VIC, Restaurant

“My advice to other businesses: Get Smartpay Zero Cost™ EFTPOS. I wish I had sooner. It really helps reduce costs.”

SA, Automotive
Wide shot of man tapping phone on Android terminal held by worker in a Cafe Shop

Ready to Start Saving? Get Started Now!

Every month our Payment Specialists help thousands of businesses just like yours get the right payment solution. Let’s chat about your business today.