🇦🇺 Zero Cost EFTPOS
Zero Merchant Fees.
Keep Every Dollar You Earn.
Eliminate EFTPOS transaction fees with Payee’s no-cost payment solution. Automated surcharging keeps every dollar from sales in your Australian business pocket.
💳 Quick Rate Summary
Transparent pricing — no surprises
⚡ Lock in your low-cost plan now.
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.
Zero Cost Eftpos Solutions
No Cost EFTPOS is a Surcharge Solution
The system automatically handles everything — from calculating the right surcharge to displaying it clearly for your customers before payment.
Zero Cost EFTPOS
Keep 100% of your sales. All EFTPOS transaction costs passed on via automated surcharge — you pay nothing.
Surcharge-based · No terminal rental fee
- ✓Pay Zero Eftpos Fees
- ✓Free Eftpos Terminal
- ✓No Hidden Fees
- ✓No Lock-in Contracts
- ✓No Startup Fees
- ✓No Chargeback 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
- ✓Automated Surcharging
- ✓Mobile NFC · Chip · Tap · Swipe
* Minimum Turnover and Terms & Conditions Apply
In-Store Zero Cost EFTPOS
Our In-Store Zero Cost EFTPOS eliminates transaction fees by implementing a small surcharge. Integrates directly with your existing POS system — seamless for staff and customers.
- Zero Eftpos Fees (Surcharge Option)
- Competitive Blended Rates
- WiFi & Direct POS Connect
- Standalone Terminals Available
- Mix & Match Terminals
- Free Receipt Paper Rolls
- Plug and Play Setup
- 800+ POS Integrations
- 24/7 Support
- Eftpos & Ecommerce Under One Roof
Zero Cost Mobile EFTPOS
Perfect for tradespeople, mobile vendors, delivery services, and tableside payments. Rugged, all-day battery life with dual-SIM connectivity — never miss a payment.
- Zero Eftpos Fees (Surcharge Option)
- Competitive Blended Rates
- All-Day Battery Life
- Dual SIM — Always Connected
- 24/7 Support
- Easy To Use Terminals
- 800+ POS Integrations (over WAN)
- Ideal for Trades & Field Services
- Plug and Play Setup
- Eftpos & Ecommerce Under One Roof
Financial Benefits
Save $5,000–$15,000
Per Year
For most Australian businesses, card processing fees can consume $5,000 to $15,000 annually. With No Cost EFTPOS, these thousands of dollars flow directly back into your business instead of to payment processors.
Redirect your recovered revenue towards what matters most to your business:
- ✓Business expansion
- ✓New equipment
- ✓Additional staff
- ✓Marketing initiatives
- ✓Inventory investment
- ✓Improved cash flow
- ✓Enhanced profit margins
- ✓Working capital
Annual Savings Example
Small Café — $30k/month turnover
Restaurant — $60k/month turnover
Retail Store — $100k/month turnover
High-volume merchants can save even more every year
* Estimates based on average 1.5% surcharge applied to total card turnover. Actual savings vary by business volume, industry and card mix. No terminal rental fees apply for businesses processing over $10,000/month.
How It Works
No Cost EFTPOS is a Surcharge Solution
The system automatically handles everything — from calculating the right surcharge to displaying it clearly for your customers before payment.
Customer Pays by Card
Whether it’s Visa, Mastercard, EFTPOS, Amex or a digital wallet — your terminal detects the card type automatically.
Surcharge Displayed
The appropriate surcharge (1.4%–1.6%) is shown clearly on screen before the customer confirms — full transparency, fully compliant.
You Pay Zero
The surcharge covers all processing costs: terminal rental, transaction rates, paper rolls and chargeback fees. Your revenue stays intact.
Complete Package
Everything Included — No Hidden Costs
No Cost EFTPOS from Payee is a complete payment solution — not just a terminal.
💰 Zero Costs to You
- ✓Zero setup fees
- ✓No terminal rental fees
- ✓No cancellation or exit fees
- ✓No chargeback fees
- ✓Free receipt rolls included
- ✓SIM card included (dual SIM available)
🔓 Freedom & Flexibility
- ✓No lock-in contracts — leave with 30 days’ notice
- ✓Mix and match terminals to suit your business
- ✓Mobile and fixed terminal options
- ✓Seamless integration with 450+ POS systems
- ✓Bring EFTPOS & ecommerce under one roof
- ✓Next-day settlement to your bank account
💳 All Payment Types
- ✓Visa, Mastercard, Eftpos
- ✓American Express, UnionPay
- ✓Alipay, WeChat Pay
- ✓Apple Pay, Google Pay
- ✓Afterpay, Zip Pay
- ✓Chip, Tap, Swipe & Mobile NFC
⚡ Business-Critical Features
- ✓4G, broadband and WiFi connectivity
- ✓Plug-and-play setup
- ✓24/7 Australian customer support
- ✓Real-time transaction tracking
- ✓Merchant portal reporting
- ✓Payment Link included free
Terminals
No Cost EFTPOS Terminal Options
Choose the terminal that suits your business — or mix and match across locations.
PayNuts Pulse
Compact countertop terminal. Ideal for retail and hospitality with direct POS integration.
VeriFone T650p
High-performance terminal with fast processing and a large touchscreen display.
PAX A77 Mobile
Rugged mobile terminal with 4G dual-SIM and all-day battery. Perfect for trades.
Accept All Payment Types
Every card, every wallet — covered by automated surcharging.
Perfect for Every Business Type
No Cost EFTPOS works wherever card surcharging is an accepted practice.
Food & Café
Keep more from every table service, takeaway order and bar transaction. Surcharging is widely accepted in hospitality.
Hair & Beauty
Maintain your margins on every cut, colour, treatment and product sale with zero merchant fees.
Hospitality
Hotels, pubs, clubs and event venues — eliminate the substantial fees from high transaction volumes.
Retail
Eliminate fees from high transaction volumes while maintaining customer satisfaction with transparent pricing.
Service Industries
From dog groomers to mobile mechanics — any service business can benefit from fee-free processing.
Trades
Plumbers, electricians, builders and home service providers accepting on-site payments at zero cost.
Frequently Asked Questions
Payee’s No Cost EFTPOS eliminates all merchant fees by automatically applying a small surcharge to customers who pay by card. The system detects the card type and calculates the appropriate surcharge (1.4%–1.6%), which is clearly displayed before the customer confirms payment. You keep 100% of your sales revenue and pay $0 in processing fees.
No Cost EFTPOS is not actually a free service — it eliminates your costs by surcharging customers. The surcharge is set to cover all expenses: terminal rental, transaction rates (0.8–1.6%), Amex fees, paper rolls and chargebacks — averaged out over the month. With Low Cost EFTPOS, you pay the fees yourself at a lower blended or interchange++ rate.
Surcharging is now common practice across Australia, particularly in hospitality and small business. Most customers accept a small surcharge as standard. Our terminals clearly display the surcharge before payment is completed, and receipts itemise it separately. Some customers may prefer cash, however many businesses report minimal impact on customer satisfaction.
The 1.6% rate requires a minimum monthly turnover of $10,000. The better 1.4% rate requires a minimum monthly turnover of $20,000. These minimums ensure the economics of the surcharge model work correctly — covering all terminal and processing costs.
Yes. Since 2016, Australian merchants have been allowed to surcharge customers only the actual cost of payment acceptance. The RBA regulates this — merchants cannot profit from surcharging. Payee’s automated system ensures the surcharge is always set at the correct level to remain fully compliant.
The RBA has proposed banning surcharges on Eftpos, Mastercard and Visa from 1 July 2026. If this proceeds, No Cost EFTPOS as a surcharge model would no longer be available. Payee’s Low Cost EFTPOS solution (from 0.79%) would be the best alternative. We’ll help you transition seamlessly.
No lock-in contracts, no cancellation fees and no exit fees. You can terminate the agreement with 30 days’ notice. Monthly terminal rental fees will not be refunded or pro-rated for the notice period. Terms, conditions and eligibility criteria 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 and charges may apply, for example 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.
Send A Payment Link
Get Paid by Email or SMS.
Modern EFTPOS terminals with multiple connectivity options — WiFi, direct POS integration or standalone. Contactless in under 2 seconds.
- Zero Eftpos Fees (Surcharge Option)
- Competitive Blended Rates
- WiFi & Direct POS Connect
- Standalone Terminals Available
- Mix & Match Terminals
- Free Receipt Paper Rolls
- Plug and Play Setup
- 800+ POS Integrations
- 24/7 Support
- Eftpos & Ecommerce Under One Roof
Frequently Asked Questions
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.
Ready to Eliminate Your Merchant Fees?
Tell us about your business and we’ll design a payment solution that saves you money from day one. No obligation, no lock-in.