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 on Mobile

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Cash Out

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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 on Mobile

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

Accessing your money on Apple Pay.

With eftpos on Apple Pay, it’s easy to make fast, easy and secure payments or get cash out on the go. With eftpos also have the added convenience of real time balances, helping you stay on top of your spending.

eftpos is available on Apple Pay for cardholders from selected Banks and Financial Institutions including:

  • Westpac
  • ANZ
  • Suncorp
  • St. George, Bank of Melbourne and BankSA
  • ME Bank
  • 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.

Simply follow these steps to use your eligible debit card with Apple Pay.

  • For iPhone, open your Wallet app and tap the plus sign. Follow the prompts.
  • For Apple Watch, open the Apple Watch app on your iPhone. Select “Wallet & Apple Pay,” then “Add Credit or Debit Card.” Follow the prompts.

Apple Pay with eftpos is available on iPhone SE, iPhone 6 or later and Apple Watch. More information at and


You use Apple Pay anywhere contactless payments are accepted, with your iPhone or Apple Watch. You will need to authenticate your purchase with Face ID, Touch ID or your device passcode. Make sure you do not share your passcode with anyone or let anyone register their face or fingerprint on your device, as that person will be able to make Apple Pay payments and you will be responsible for their use of your card.

For more information on how to use Apple Pay:

Pay in store using Face ID on iPhone

Pay in store using Touch ID on iPhone

Pay with Apple Watch

Apple Pay was designed with security and privacy in mind. When using eftpos on Apple Pay, the actual card numbers are not stored on the device or Apple servers. A unique Device Account Number is assigned, encrypted and stored in the Secure Element on your device.


iPhone: To change your default payment to eftpos on your iPhone, open the Wallet app, select your debit card, tap the three dot icon and select eftpos SAV or eftpos CHQ from the Payment Option section.

Apple watch: To update the payment network on your Apple Watch, double-click the side button, select your debit card, then firmly press the display and choose eftpos SAV or eftpos CHQ.


If you are unable to access the eftpos CHQ or SAV options on your dual network debit card in Apple Pay, you will need to remove your card from the Wallet app and add it again.

To update your Card on iPhone:

  • First remove your card. Open Apple Wallet, tap your eftpos debit card, tap the three dot icon, then tap Remove Card.
  • Then add your card again. Open Apple Wallet, select the + sign in the upper-right corner and select Add a Different Card at the bottom of the screen then follow the prompts

Once you have re-added your card, the eftpos network will be available and the eftpos CHQ or SAV options will be available.

If you are unable to access the eftpos CHQ or SAV options on your dual network debit card in Apple Pay, you will need to remove your card from the Wallet app and add it again.

To update your Card on Apple Watch:

  • First remove your card. Open the Apple Watch app on your iPhone, go to the My Watch tab, tapWallet & Apple Pay, tap the card, then tap Remove this Card.
  • Then add your card again. Open the Apple Watch app on your iPhone, go to the My Watch tab, tap Wallet & Apple Pay.
  • Tap the yellow Add Cardoption below the list of Payment cards.
  • Tap Continueand select Add a Different Card at the bottom of the screen, then follow the prompts to enable dual network functionality.

Once you have re-added your card, the eftpos network will be available and the eftpos CHQ or SAV options will be available.


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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