Helping Australian merchants get paid.

Delivering real business benefits.

Proud supporters of ARA, NRA, MGA, NORA, ACAPMA and AACS.

Merchant POS packs

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Least Cost Routing

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eftpos Mobile

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eftpos Perks

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Least cost routing

Least cost routing is a function (when enabled) that allows a merchant to choose the network that provides the best economic outcome for them on contactless transactions from dual network debit cards.

Debit cards represent around 70% of all card transactions in Australia, so merchants may have the potential to make significant cost savings.

Information about Least Cost Routing offers in market can be found here.

Further information about least cost routing can be found on the Reserve Bank of Australia website.

Find out more about Least Cost Routing in this short video.


eftpos Tap & Pay™ capability is now available on millions of Australian cards. With eftpos Tap & Pay you get the advantage of simplicity and speed at the checkout, and greater security with EMV Chip cards.

Consumers can enjoy all of the existing benefits of eftpos, with these added advantages:

  • For everyday purchases under $100 simply – eftpos Tap & Pay
  • For everyday purchases over $100 simply – eftpos Tap & PIN

eftpos Mobile

eftpos is working across the industry to enable eftpos payments on a range of mobile handsets, using various technology solutions.

eftpos every day with Apple Pay.

Enjoy the convenience and security of Apple Pay with eftpos.

Apple Pay with eftpos is now available for ANZ Access and Access Advantage customers, Suncorp eftpos Card and Visa Debit Card customers, St.George, Bank of Melbourne and BankSA Visa Debit and eftpos card customers, and eftpos cardholders from six Cuscal sponsored credit unions and banks:  CUA, Geelong Bank, Nexus Mutual, People’s Choice Credit Union, SCU More Generous Banking, and Woolworths Employees Credit Union.

Simple set up

Follow these simple steps to add your card to Apple Pay.

Apple Pay works with iPhone SE, iPhone 6 and later, and Apple Watch. To add your eligible eftpos card follow these simple steps:

  • On iPhone, open the Wallet app and tap the plus sign. From there, follow the onscreen instructions.
  • On Apple Watch, open the Apple Watch app on your iPhone and select “Wallet & Apple Pay,” then tap “Add Credit or Debit Card.” From there, follow the onscreen instructions.

Can I use my device?

Apple Pay works with; iPhone SE, iPhone 6 or later and Apple Watch.

Paying with eftpos using Apple Pay

Pay with iPhone using Face ID

  • Double click the side button and then glance at your iPhone to authenticate with Face ID, or enter your passcode.
  • Hold the top of your iPhone a few centimetres from the contactless reader until you see “Done” and a check mark on the display.

Pay with iPhone using Touch ID

  • Rest your finger on Touch ID.
  • Hold the top of your iPhone a few centimetres from the contactless reader until you see “Done” and a check mark on the display.

On Apple Watch, just double-click the side button and hold Apple Watch up to the reader.

Security you know and trust

Security and privacy is at the core of Apple Pay. When you use Apple Pay with eftpos, the actual card numbers are not stored on the device, nor on Apple servers. Instead, a unique Device Account Number is assigned, encrypted and securely stored in the Secure Element on your device.

Real-time transactions

With eftpos, your transactions will be immediately debited from your account, helping you keep track of your spending.

Cash out

eftpos Members are rolling out mobile cash out to more merchants over the coming months, with many retailers already offering the service.

Password, Touch ID and Face ID verification

Apple Pay uses security features built-in to the hardware and software of your device to help protect your transactions. In addition, to use Apple Pay, you must have a passcode set on your device and, optionally, Face ID or Touch ID. You can use a simple passcode, or you can set a more complex passcode for even greater security.


If you have both a Cheque and Savings account, with Apple Pay you can switch between them on your device with ease.

To change your account on iPhone, open the Wallet app, tap on your eligible card, then choose the new account

To change your account on Apple Watch, double-click the side button and select your eligible card, then firmly press the display and choose the new account.

Please see eftpos’ Privacy Policy and privacy collection statement for details about how eftpos handle any of your personal information related to you adding your eftpos card to your Apple device or eftpos transactions.
Terms and conditions apply to the use of Apple Pay. Contact your Issuer for more information.

A better way to pay, by Google

Google Pay is the fast, simple way to pay in millions of places. It brings together everything you need at checkout and keeps your information safe and secure.

eftpos on Google Pay provides eftpos cardholders with secure access to their own money in real time, with less likelihood of being surcharged.

Getting started with Google Pay

Adding your card to Google Pay takes just a few minutes. First, download the app from Google Play or check to see if it’s already installed on your phone. Then, open the app and follow the instructions. Google Pay works on Android devices running Lollipop 5.0+ or higher.

Watch this simple video for step by step instructions.


Which banks and credit unions offer eftpos on Google Pay?

ANZ, St.George, Bank of Melbourne, Bank of SA and eight Cuscal sponsored credit unions and banks are all offering their customers the choice of using eftpos on Google Pay, including People’s Choice Credit Union, Sydney Credit Union, Woolworths Employee’s Credit Union, CUA, Nexus Mutual, and FCCS.

Pay with your phone in stores

Google Pay works anywhere you see one of these symbols at checkout. Just wake the display on your phone and hold it near the terminal. You don’t even need to open the app.


The service uses Australia’s first domestic Token Service Provider (TSP) for added payments security, making eftpos one of the first domestic schemes in the world with this secure tokenisation capability.

This service makes payments safer by replacing the card number with a unique digital identifier known as a payment token. It means that when you use your phone to pay in stores, Google Pay doesn’t send your debit card number with your payment – so your card details stay safe.

Another benefit of the technology is that users will be able to disable mobile payments if their phone is lost or stolen, without needing to cancel the physical card itself. For additional peace of mind, if your phone is ever lost or stolen, you can lock and erase it from anywhere with Find My Device.

Please see eftpos’ Privacy Policy and privacy collection statement for details about how eftpos handle any of your personal information related to you adding your card to your Google Pay device or eftpos transactions.

Android, Google Pay, and the Google Logo are trademarks of Google LLC.


eCommerce is a natural progression for eftpos, designed to provide choice, boost competition and drive efficiency in the Australian Payments System.

“eftpos is striving to create innovative and cost-effective solutions for Australians, while upholding the reputation, integrity, security, reliability and stability of the eftpos payments system.”

eftpos CEO Stephen Benton


eftpos is Australia’s debit card payment system, allowing consumers to pay for purchases electronically at the point of sale, and take cash-out.

eftpos is owned and administered by eftpos Payments Australia Limited, which is wholly owned by 19 Members being financial institutions and some major retailers.

Making eftpos available provides your customers the choice to access their own money through a safe, convenient and efficient Australian-owned debit payment option. Accepting purchases on eftpos reduces the amount of cash you need to hold in your till and enables you to provide cash out for your customers, reducing exposure to theft, mishandling and misappropriation. eftpos is extremely safe, having the lowest card fraud rates in Australia. For more information, refer to the Australian Payments Network Limited Fraud Statistics.

eftpos does not charge you, as a merchant, directly for transactions. Please speak with your bank or service provider about the merchant service fees charged on eftpos transactions. Your bank or service provider may charge you a merchant service fee, which could include a fee for the rental of your terminal.

Interchange Fees are what institutions on either side of an eftpos transaction charge each other.

Don’t worry, they can still pay with eftpos using almost any debit card issued by an Australian bank, regardless of which logo it has on it. All your customer has to do is press CHQ or SAV and they will be paying by eftpos. eftpos Members are now rolling out eftpos-only cards with eftpos Tap & Pay™ functionality for extra simplicity and speed at the checkout, and greater security against skimming with an EMV Chip. These cards will have a Chip and an eftpos logo on the front. Also, any prepaid card or gift card with an eftpos logo will mean the transaction is an eftpos transaction.

Please contact your Acquirer (payment acceptance service provider). They will be able to take care of all your set-up and ongoing needs.

No. Unlike in a number of other countries, Australians are fortunate in that almost all electronic transactions, including eftpos, can be processed through a single terminal.

As Australians change the way they shop and pay, eftpos is evolving its technology to meet their needs. As such, we are committed to the development of new eftpos payment products on new technology platforms such as eftpos Tap & Pay, Online and Mobile. eftpos has launched eftpos Mobile Tap & Pay on Apple Pay and Google Pay. Online to follow in the near future.

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Interchange Fee Principles

eftpos believes that interchange fees should be set in a way that is transparent and reflects the interests of all stakeholders.  Accordingly, on 20 September 2010 it adopted the following interchange fee principles:

Principle 1 – Compliance with the Standard
The Company’s interchange fee regime will comply with the terms and spirit of the eftpos Interchange Fee Standard published by the RBA.

Principle 2 – Competitive Positioning and success of eftpos
The Company’s interchange fee regime will further the competitive position and success of eftpos and, in particular, it will:

  1. promote usage, issuance and acceptance of eftpos;
  2. take into consideration the competitive landscape to ensure eftpos is not placed at an economic disadvantage to other payment products; and
  3. strive to achieve:
    1. net costs of acceptance that are below competitive products for all merchants;
    2. net costs of issuance that are below competitive products for all issuers; and
    3. an environment that encourages innovation, efficiency and investment in eftpos; and
  4. review its interchange fee regime at regular intervals (at least annually) in light of relevant developments.

Principle 3 – Simplicity and Transparency
The Company’s interchange fee regime will be simple and transparent in terms of both process and output.

Principle 4 – Fairness
The Company’s interchange fee regime will be fair and balance the long term needs of the Company.

Principle 5 – Governance and Consultation

  1. In developing its interchange fee regime the Company will consult with all Members in an open and transparent manner.
  2. The success of eftpos as a whole will be the paramount consideration in the Company’s deliberations.

Interchange rates

Interchange Fees are payable between the retailer (known as a self-Acquirer) or the retailers’ financial institution (known as the Acquirer) and the cardholder’s bank or financial institution (known as the Issuer).

These rates:
• Create a simple regime to underpin and strengthen eftpos’ competitiveness, and
• Support investment in key enhancements to eftpos products.

The rates support initiatives designed to:
• Increase eftpos functionality, and
• Enhance digital payments security.

Schedule of Interchange Rates

The following Multilateral Interchange rates are prescribed by eftpos pursuant to Clause 33 of the Scheme Rules from 1 March 2020.

# also for Digital Transactions until notified by eftpos
** from a date as notified by eftpos

Capitalised terms used in the definitions are defined in the eftpos Scheme Rules if not listed below.

Interchange Fees are not payable for Refunds and Declines.

Electronic and Paper Fallback transactions attract an Interchange Fee at the applicable Purchase rate.

Digital transaction – A transaction performed using a Merchant website or mobile application, rather than a POS terminal.

Purchase transaction – Within the Differential Rate categories, Purchase transaction refers to all channels including Transfer transactions.

Cashout – has the meaning in the rules and for clarity is a transaction where the cardholder receives cash (Australian notes or coins) from a merchant, either as a standalone transaction, or combined with the purchase of goods or services.

eftpos Disputes and Chargebacks

For Members

eftpos has implemented a centralised disputes and chargeback workflow tool that facilitates the banks’ consistent and prompt resolution of a consumer’s dispute, as it relates to an eftpos transaction.

To support consumers’ ability to dispute an eftpos transaction, the following process guide “how to dispute an eftpos transaction” provides simple steps to follow, outlining who to contact, when and examples of reasons for disputing an eftpos transaction, including expected timeframes for resolution.

In all situations, the consumer has the ability to raise a disputed eftpos transaction with any eftpos Member.

For consumers