Reduce The Cost Of Your Eftpos Payments. Solve Payment Problems.

EFTPOS stands for Electronic Funds Transfer at Point of Sale. It's Australia's primary payment system, transferring funds directly from a customer's bank account to the merchant at the time of purchase — via debit card, contactless tap, or mobile wallet. EFTPOS now represents 87% of all in-person payments in Australia.

Zero Cost EFTPOS is a surcharge-based solution where all transaction costs are automatically passed on to the customer. You pay $0 in monthly fees and $0 in transaction fees. No terminal rental. No hidden charges. Suitable for businesses where passing on a small surcharge is acceptable.

The Reserve Bank of Australia has proposed banning card surcharges on Eftpos, Mastercard and Visa, with a proposed implementation date of 1 July 2026. Consumers currently pay around $1.2 billion in card surcharges annually. If implemented, businesses will need to absorb card fees — making Payee's low-cost rates more important than ever.

Blended rates are a single flat percentage applied to all card types — simple and predictable. Interchange++ rates charge you the true card network cost plus a transparent margin. For higher-volume businesses with more debit card transactions, interchange++ typically results in lower overall costs.

Payee integrates with 450+ Point of Sale systems including popular platforms used in retail, hospitality, and trades. Our terminals support WiFi, direct LAN connection, and standalone operation. Call 1800 357 911 and we'll confirm compatibility before you commit.

No lock-in contracts, no exit fees, no cancellation fees, and no startup fees. Payee believes you should stay because the service is great — not because you're locked in. Terms & conditions apply, including minimum turnover requirements on some plans.