EFTPOS That Integrates with Your POS.
700+ Systems. No Rip-and-Replace.
Payee EFTPOS connects seamlessly with your existing point-of-sale system via Linkly and mx51 — the two most widely-used POS integration platforms in Australia. No manual amount entry, no separate receipts, no reconciliation headaches. Just fast, accurate, fully-integrated payments across 700+ POS systems.
POS Systems Supported
No Cost Option
Integration Platforms (Linkly & mx51)
Australian Support
700+ POS Integrations
Connects via Linkly and mx51 to 700+ POS systems across retail, hospitality, trades, and service businesses.
No Cost Option Available
$0 merchant fees on No Cost EFTPOS. Your POS provider’s built-in payments almost certainly can’t offer this.
We Handle Setup
Payee sets up and tests the POS integration when delivering your terminals. No IT team required.
Unified Reporting
Transaction data flows back to your POS automatically. Reconcile at close without manual data entry.
Compare Before You Decide
Your POS Might Offer EFTPOS. But Have You Compared?
Many POS systems now offer built-in payment processing — but that convenience can come at a significant cost. Before you accept whatever rate your POS provider charges, compare what you’re actually getting.
| POS Built-in EFTPOS | Payee EFTPOS ★ | |
|---|---|---|
| EFTPOS rates | Whatever your POS charges — often 1.6–2%+ | From 0.79% (Low Cost) or $0 (No Cost) |
| No Cost / surcharging | Rarely available, or limited | Available on every plan |
| Rate negotiation | Fixed — you take what you’re given | Custom quotes based on your turnover |
| Terminal brand | Locked to their hardware | PayNuts Pulse, VeriFone T650p, PAX A77 |
| Terminal rental | Often bundled at higher cost | $0 on No Cost $10k+/month; from $29/mo |
| Contract | Often locked in with POS contract | No lock-in. 30 days’ notice. |
| Support | POS support only — not payment experts | 24/7 Australian payment specialists |
| Online payments | Not included — separate provider | Can add ecommerce under same account |
| Payment links | Not available | Included free with every account |
| Interchange++ | Not offered | Available for high-volume businesses |
| POS integration | Built-in (their ecosystem only) | 700+ POS via Linkly & mx51 |
| Setup & testing | Your responsibility | Payee handles it on terminal delivery |
The bottom line: Your POS provider’s EFTPOS is designed for their convenience, not yours. Payee is a dedicated payment specialist — we exist to get you the best possible rate, support, and features. In most cases, switching your EFTPOS to Payee while keeping your existing POS takes less than a day and saves you thousands per year.
Supported POS Systems
700+ POS Systems We Integrate With
If your system is in this list, Payee sets up the integration when delivering your terminals. Not listed? Call 1800 357 911 — we’ll check for you.
Types of POS Systems
Payee Works with Every Type of POS
Cloud, mobile, or on-premise — Payee integrates with all three via Linkly and mx51.
Cloud POS
Lightspeed, Square, Kounta, Toast, Shopify POS
Subscription-based, data stored online. Accessible anywhere. Auto-updates. Best for multi-location retail and hospitality. Payee integrates via Linkly or mx51 — No Cost or Low Cost EFTPOS rates replacing whatever the POS bundled in.
Mobile POS (mPOS)
Square Reader, SumUp, Clover Go, mPOS apps
Turns a tablet or phone into a POS. Payee adds a dedicated EFTPOS terminal alongside your mPOS device — giving you better rates and No Cost capability while keeping the tablet interface you're used to.
On-Premise POS
Oracle MICROS, NCR, Retail Pro, ImPOS
Software runs locally on your hardware. Often used by enterprise retail and hospitality. Payee integrates via Linkly — the industry standard for on-premise POS EFTPOS connections in Australia.
POS-Ready Terminals
EFTPOS Terminals for Your POS System
All terminals POS-integrated via Linkly and mx51. Payee sets up and tests the connection when delivering.
Complete Package
Every Feature Your POS Setup Needs
POS integration, competitive rates, and every payment type — all included from day one.
💰 Pricing Options
- ✓No Cost EFTPOS — $0 merchant fees
- ✓$0 terminal rental on $10k+/month
- ✓Low Cost from 0.79% incl. GST
- ✓Terminal rental from $29/month
- ✓No setup or exit fees
- ✓No lock-in contracts
🔌 POS Integration
- ✓700+ POS systems supported
- ✓Linkly & mx51 integration
- ✓WiFi, direct LAN or standalone
- ✓Payee sets up on terminal delivery
- ✓No manual amount entry
- ✓Transaction data returns to POS
💳 All Payment Types
- ✓Visa, Mastercard, Eftpos
- ✓American Express, UnionPay
- ✓Alipay, WeChat Pay
- ✓Apple Pay, Google Pay
- ✓Afterpay, Zip Pay
- ✓Tap, chip & swipe
⚡ Business Features
- ✓Real-time merchant portal
- ✓Unified POS reporting
- ✓Next-day settlement
- ✓Free receipt rolls
- ✓4G + WiFi connectivity
- ✓24/7 Australian support
Accept All Payment Types
Every card, every wallet — all fully integrated with your POS system.
Frequently Asked Questions
POS-bundled EFTPOS is convenient, but it’s rarely the best value. POS providers set their own payment rates — and those rates are designed to generate margin for them, not savings for you. Key things to compare: transaction rates (Payee from 0.79% vs typical 1.6–2%+), No Cost availability (Payee offers it; most POS providers don’t), interchange++ pricing (Payee offers it; POS providers rarely do), and separate contract (switching your POS doesn’t mean switching your EFTPOS).
No — you keep your existing POS system and just replace the EFTPOS terminal. Payee integrates with 700+ POS systems via Linkly and mx51. Your POS software stays exactly the same. Payee handles setup and testing when delivering the terminals.
Linkly (formerly PC-EFTPOS) is Australia’s most widely-deployed POS integration platform. It creates a direct link between your POS software and the EFTPOS terminal so that amounts flow automatically — no manual entry, no separate receipts, and transaction data returns to your POS for reporting. If your POS is Linkly-compatible, integration takes minutes.
mx51 is a modern cloud-based EFTPOS integration platform using a REST API. It’s used by leading POS systems including Square, Lightspeed, and a growing number of cloud-based platforms. Where your POS uses mx51, Payee integrates without any additional hardware or software changes.
No. With full POS integration, staff work exactly as they do now. They process the sale on the POS, the amount is automatically sent to the EFTPOS terminal, the customer taps or inserts their card, and the result returns to the POS. The only difference is the terminal brand — and your rates.
Yes — No Cost EFTPOS works with all POS integrations. When configured, the surcharge amount is automatically calculated and added to the customer’s transaction total before they pay — fully compliant with Australian regulations and displayed transparently.
No lock-in contracts, no exit fees, no cancellation fees. Your EFTPOS agreement with Payee is completely separate from your POS software contract. You can terminate with 30 days’ notice. Terminal rental fees are not refunded or pro-rated. Terms and conditions apply.
📋 Important Information
- No terminal rental applies for No Cost EFTPOS merchants processing $10,000+/month. For merchants below this threshold, terminal rental from $29/month applies.
- The RBA has proposed banning surcharges on Eftpos, Mastercard and Visa from 1 July 2026. This would affect No Cost EFTPOS plans. Low Cost EFTPOS would not be affected.
- POS integration availability depends on your specific POS system and version. Payee will confirm compatibility before delivery. Additional requirements apply for AMEX and JCB cards.
- Merchants may terminate on 30 days’ notice. Terminal Rental Fees will not be refunded or pro-rated. Same-day settlement available for qualifying accounts on transactions before 9pm AEST.
Already Have a POS? See How Much You Could Save.
Tell us your POS system and your current EFTPOS rates. We’ll build a free comparison showing exactly what you’d save by switching to Payee — while keeping your POS system exactly as it is. No obligation, no lock-in.