🇦🇺 Low Cost EFTPOS
Rates From 0.79% Save More, Pay Less.
Payee’s Low Cost EFTPOS gives your Australian business competitive blended and interchange++ rates — absorb card fees yourself and keep full control of your customer experience.
Seamless Eftpos
800+ POS integrations, plug-and-play for instore and mobile.
Ecommerce Gateway
WooCommerce, & Magento plugins ready to go.
No Lock-in Contracts
No setup, cancellation or exit fees. Full flexibility always.
Save On Fees
Automated surcharging, blended and interchange++ rates.
Complete Package
Everything Your Business Needs
Low Cost EFTPOS from Payee is a complete payment solution — every feature included.
💰 Transparent Pricing
- ✓Rates from 0.79% incl. GST
- ✓Terminal rental $29/month
- ✓No setup or installation fees
- ✓No cancellation or exit fees
- ✓Blended or interchange++ options
- ✓Optional automated surcharging
🔓 Freedom & Flexibility
- ✓No lock-in contracts — 30 days’ notice
- ✓Mix and match terminals to suit your business
- ✓Mobile and fixed terminal options
- ✓450+ POS integrations
- ✓Bring EFTPOS & ecommerce under one roof
- ✓Next-day settlement — same day available
💳 All Payment Types
- ✓Visa, Mastercard, Eftpos
- ✓American Express, UnionPay
- ✓Alipay, WeChat Pay
- ✓Apple Pay, Google Pay
- ✓Afterpay, Zip Pay
- ✓Chip, Tap, Swipe & NFC
⚡ Business-Critical Features
- ✓4G, broadband and WiFi connectivity
- ✓Plug-and-play setup
- ✓24/7 Australian support
- ✓Real-time merchant portal
- ✓Fraud protection built-in
- ✓Payment Link included free
How We Compare
Low Cost EFTPOS — See the Difference
Transparent pricing that puts money back in your pocket.
| Payee ★ | Tyro | Square | |
|---|---|---|---|
| Transaction Rate | From 0.79% Best | 1.4% | 1.6% |
| Terminal Cost | $29/mo Best | $29/mo or Free | $329 upfront |
| Zero Cost EFTPOS | All businesses Best | $10k+/month only | Beta only |
| Lock-in Contract | No ✓ | No ✓ | No ✓ |
| POS Integrations | 450+ Best | 450+ | Own ecosystem |
| Ecommerce Rate | 1.4% Best | Yes | 1.6% |
| Setup / Exit Fees | $0 ✓ | Varies | Varies |
| 24/7 Support | ✓ Included | Business hours | Limited |
Accept All Payment Types
Every card, every wallet — covered.
Low Cost EFTPOS for Every Business
Purpose-built payment solutions for how your business actually works.
Hair & Beauty
Sleek, discreet terminals that fit the vibe of any salon or spa. Low rates to protect your margins.
Hospitality
Instore and mobile options for hotels, pubs, clubs and event venues with competitive interchange rates.
Learn more →Retail
Integrated POS + EFTPOS with real-time stock and transaction reporting. Rates tailored to retail volumes.
Service Industries
Mobile EFTPOS for pet care, cleaning, maintenance and mobile service businesses.
Trades
Dual-SIM mobile terminals for plumbers, electricians and builders — low-cost payments on any job site.
Learn more →Frequently Asked Questions
Payee’s Low Cost EFTPOS gives your business competitive blended or interchange++ rates from 0.79% including GST. You absorb the card processing costs yourself rather than passing them on as a surcharge — customers pay the price on the tag. Terminal rental from $29/month, no lock-in contracts.
With No Cost EFTPOS, transaction fees are surcharged to the customer (1.4%–1.6%) — you pay $0 but customers see a surcharge. With Low Cost EFTPOS, you absorb fees at a competitive rate from 0.79% — customers pay exactly the price displayed. Low Cost is also the smart choice given the proposed RBA surcharge ban from July 2026.
Blended rates apply a single flat percentage to all card types — simple and predictable for budgeting. Interchange++ rates charge the true card network cost plus a transparent Payee margin. For higher-volume businesses with a large share of debit card transactions, interchange++ typically results in lower overall costs.
The 0.79% rate is available for established businesses with a trading history we can review. We assess your existing statement, transaction volumes, card mix and industry. New businesses start at 0.9%–1.4% depending on industry. Call 1800 357 911 for a custom quote.
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 obligation.
The Reserve Bank of Australia has proposed banning surcharges on Eftpos, Mastercard and Visa from 1 July 2026. If this proceeds, No Cost EFTPOS (which relies on surcharging) would no longer be viable. Getting on to Payee’s low-cost rates from 0.79% now means no disruption and no lock-in holding you back.
No lock-in contracts, no exit fees and no cancellation fees. You can terminate with 30 days’ notice. Monthly terminal rental fees are not refunded or pro-rated. No startup fees apply. Terms and conditions apply.
📋 Important Information
- Additional requirements apply for AMEX and JCB cards, including a merchant agreement directly with each scheme. For UnionPay, additional eligibility criteria applies.
- Terms, conditions and eligibility criteria apply. Additional fees may apply, including Chargeback Fees, lost/stolen or damaged terminal fees and fees for providing terminal stands and cables.
- Merchants may terminate the Agreement on 30 days’ notice. Monthly Terminal Rental Fees will not be refunded or pro-rated.
- Settlement times are subject to terms and conditions. For same-day business account holders, settlement proceeds will be available on the same day for Visa, Mastercard, Eftpos and UnionPay transactions processed before 9pm AEST. For Alipay+ and WeChat, settlement proceeds will generally be available three business days after processing.
Eftpos Solutions
Low Cost EFTPOS
Absorb the cost yourself with our competitive blended and interchange++ rates. Custom quote for your industry.
Incl. GST · Terminal rental $29/month
- ✓Rates from 0.79% (incl. GST)
- ✓Terminal Rental: $29/month
- ✓No Lock-in Contracts
- ✓Standalone, Integrated & Mobile
- ✓No Startup Fees
- ✓Visa, Mastercard, Amex, Eftpos
- ✓Apple Pay & Google Pay
- ✓Afterpay (Buy Now Pay Later)
- ✓Plug and Play Setup
- ✓24/7 Support
- ✓450+ POS Integrations
- ✓Fraud Protection
- ✓Optional Automated Surcharging
- ✓Blended or Interchange++ Rate
* Minimum Turnover and Terms & Conditions Apply
Accept All Payment Types
Every card, every wallet, every platform — covered.
Eftpos for Every Business
Purpose-built solutions for how your business actually works.
Food & Café
Fast countertop and table-side payments for restaurants, cafés and takeaways.
Learn more →Hair & Beauty
Sleek, discreet terminals that fit the vibe of any salon or spa.
Retail
Integrated POS + EFTPOS with real-time stock and transaction reporting.
Service Industries
Mobile EFTPOS for pet care, cleaning, maintenance and mobile services.
Ready to Reduce Your Payment Costs?
Tell us about your business and we’ll design a payment solution that saves you money from day one. No obligation, no lock-in.