Helping Australians pay for everyday

Giving you the choice and control to manage your money, your way.

  • Get cash out
  • Track your spending in real time
  • Help stay in control of your budget
  • Safe and secure payments
  • Enjoy eftpos Perks


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eftpos Mobile

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Cash Out

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eftpos Perks

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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.

Cash out

eftpos is a fast, secure and simple way to get cash out at the checkout.

Simply press CHQ or SAV every day, using any debit or proprietary card issued by an Australian bank.

Cash out is also available if you tap your eftpos-enabled card or mobile at participating merchants.



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 electronic payments at the point of sale.

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

Whenever you press CHQ or SAV you’re paying with eftpos. eftpos is available on all ATM or debit cards issued by Australian banks.

Don’t worry. By pressing CHQ or SAV using almost any debit card issued by an Australian bank you are paying with eftpos, regardless of which logo is on the card. eftpos CHQ and SAV is also available on more than 5 million credit cards and about the same number of eftpos-branded prepaid and gift cards. Altogether, there are around 46 million eftpos-enabled cards in Australia.

In 2017/18, Australian consumers performed more than 1.8 billion eftpos transactions worth more than $115 billion at more than 900,000 eftpos enabled terminals.

eftpos has the lowest fraud rates in Australia. Also, eftpos payments are processed in real time, so you can check your account within minutes and be sure that the transaction is accurately reflected. If you notice an unauthorised transaction on your account, you should contact your bank immediately. You may be able to raise a chargeback or otherwise be protected by the ePayments Code – check your bank terms for details.

With eftpos you are accessing your own money, so you can enjoy peace of mind knowing you are only spending what you have in your bank account. It is safe and convenient. eftpos also enables you to get ‘cash out’ at the checkout, making it easier to get cash while shopping.

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 is to follow in the near future. In doing so, we are being careful to make sure we do not compromise our commitment to security.

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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