Comprehensive Comparison
Every major EFTPOS provider in Australia, compared.
15 providers across major banks, specialist hospitality acquirers, modern fintechs, and POS-integrated payments. HEFTE partners are marked. We earn a referral commission when you switch through us. All comparisons are independent. Rates are indicative and verified periodically.
01
Modern Fintechs
Flat-rate, no-lock-in providers with transparent published pricing. Ideal for SMBs that value simplicity.
Zeller
HEFTE Partner
- Rate
- 1.4% flat (in-person)
- Monthly
- $0
- Contract
- No lock-in
- Terminal
- From $99 (Terminal 2)
- Settlement
- Next business day
Strengths
- + Flat 1.4% rate for all card types including Amex
- + No monthly fees, no lock-in contracts
- + Integrated Zeller Account and debit card
Last reviewed: 13 May 2026
Get Started with Zeller →Square Australia
- Rate
- 1.6% flat (in-person, all cards)
- Monthly
- $0
- Contract
- No lock-in
- Terminal
- Reader from $65, Terminal from $329
- Settlement
- Next business day
Strengths
- + One of the most recognised SMB payment brands globally
- + Same flat rate for Visa, Mastercard, eftpos and Amex
- + Strong app ecosystem and Square POS integration
Last reviewed: 13 May 2026
Visit Square →Stripe Terminal
Stripe
- Rate
- 1.7% + $0.10 (domestic), 3.5% + $0.10 (international)
- Monthly
- $15/reader (cellular only)
- Contract
- No lock-in
- Terminal
- BBPOS WisePad 3 from $89
- Settlement
- Configurable
Strengths
- + Best-in-class for online + in-person unified commerce
- + Strong API for custom integrations
- + Suited to platforms, marketplaces, and tech-forward businesses
Last reviewed: 13 May 2026
Visit Stripe Terminal →02
Specialist Hospitality Acquirers
Purpose-built for high-volume hospitality and retail venues with deep POS integration and negotiated rates.
Tyro
- Rate
- 1.4% flat (custom pricing for merchants over $20K/month)
- Monthly
- From $19 (Pro Lite) / $29 (Pro)
- Contract
- No lock-in
- Terminal
- Purchase or rental
- Settlement
- Next business day
Strengths
- + A leading specialist hospitality acquirer in Australia
- + Native integrations with H&L, Lightspeed, Impos and more
- + Tap-on-mobile and traditional terminal options
Last reviewed: 13 May 2026
Visit Tyro →Zero Payments
Powered by Tyro · HEFTE Partner
- Rate
- Negotiated via Tyro
- Monthly
- Varies
- Contract
- No lock-in
- Terminal
- Rental or purchase
- Settlement
- Next business day
Strengths
- + Tyro acquiring with reseller pricing benefits
- + Specialist hospitality focus
- + Native H&L and POS integration
Last reviewed: 13 May 2026
Request a Referral →03
Specialist EFTPOS Providers
Zero-cost EFTPOS specialists and surcharge-model operators. Pricing structures are evolving with the October 2026 RBA reforms.
Shift4
Formerly Smartpay Australia
- Rate
- 0% (zero-cost) with min monthly fee
- Monthly
- $100 + GST minimum
- Contract
- No lock-in
- Terminal
- Android-based, integrated options
- Settlement
- Next business day
Strengths
- + Zero-cost EFTPOS available (subject to minimum monthly fee)
- + Same local Australian team and support post-rebrand
- + Wide range of terminal options including integrated
Last reviewed: 13 May 2026
Visit Shift4 →urpay
HEFTE Partner
- Rate
- Contact for current pricing
- Monthly
- $0
- Contract
- No lock-in
- Terminal
- Free terminal with sign-up
- Settlement
- Next business day
Strengths
- + Free terminal hardware
- + No monthly fees
- + Surcharge-free EFTPOS specialist
Last reviewed: 13 May 2026
Request a Referral →PayNuts
- Rate
- Quote-based
- Monthly
- Varies
- Contract
- Flexible
- Terminal
- Quote-based
- Settlement
- Next business day
Strengths
- + Flexible quote-based pricing
- + Australian-owned EFTPOS provider
- + Range of terminal options
Last reviewed: 13 May 2026
Visit PayNuts →04
POS-Integrated Payments
Payment products built directly into a POS system. Best fit if you already use the matching POS platform.
H&L Pay
by H&L POS · HEFTE Partner
- Rate
- Contact for current pricing
- Monthly
- $0
- Contract
- Contact us
- Terminal
- Contact us
- Settlement
- Next business day
Strengths
- + Native integration built directly into H&L POS
- + Full and split payments, tipping, table management at POS
- + Terminal reconciliation directly at POS
Last reviewed: 13 May 2026
Request a Referral →05
Major Banks
Established banking institutions offering merchant services. Rates are negotiated per merchant and benchmarking against fintechs is essential.
ANZ Worldline
ANZ Bank
- Rate
- Negotiated
- Monthly
- Varies
- Contract
- Varies
- Terminal
- Rental options available
- Settlement
- Next business day
Strengths
- + Major bank backing
- + Worldline payment processing technology
- + Integrated banking and merchant services
Last reviewed: 13 May 2026
Visit ANZ Worldline →NAB Merchant Services
National Australia Bank
- Rate
- Negotiated
- Monthly
- Varies
- Contract
- Varies
- Terminal
- Rental options available
- Settlement
- Next business day
Strengths
- + Major bank backing
- + Existing NAB customer benefits
- + Dedicated business banking support
Last reviewed: 13 May 2026
Visit NAB Merchant Services →Westpac EFTPOS
Westpac Banking Corporation
- Rate
- From 1.2% flat
- Monthly
- Terminal from $24.75/mo
- Contract
- Varies
- Terminal
- Rental from $24.75/mo
- Settlement
- Next business day
Strengths
- + Major bank backing
- + Published flat rate from 1.2%
- + Wide branch network for support
Last reviewed: 13 May 2026
Visit Westpac EFTPOS →St.George Merchant Services
Westpac Group
- Rate
- 1.2% flat
- Monthly
- Terminal $24.75/mo
- Contract
- No lock-in
- Terminal
- Rental $24.75/mo
- Settlement
- Next business day
Strengths
- + Westpac Group backing with separate brand
- + Published 1.2% flat rate with no lock-in
- + Strong NSW and SA presence
Last reviewed: 13 May 2026
Visit St.George →Suncorp Bank Merchant Services
ANZ Group (formerly Suncorp)
- Rate
- 1.1% flat
- Monthly
- Terminal from $29/mo (6 months free)
- Contract
- Varies
- Terminal
- Rental from $29/mo
- Settlement
- Next business day
Strengths
- + Strong QLD presence
- + Published 1.1% flat rate with 6-month terminal fee waiver
- + Now backed by ANZ Group
Last reviewed: 13 May 2026
Visit Suncorp Merchant →Commonwealth Bank
CBA Smart terminals
- Rate
- Negotiated
- Monthly
- Varies
- Contract
- Varies
- Terminal
- Rental from $0
- Settlement
- Next business day
Strengths
- + One of Australia's most trusted business bank brands
- + Existing CBA customer benefits
- + Smart terminal hardware
Last reviewed: 13 May 2026
Visit CommBank →15 providers is a lot. Take the 60-second quiz instead.
Three quick questions about your venue, POS system and priorities. We'll match you to the right EFTPOS provider for your setup.
This page provides general information about EFTPOS in Australia. It is not financial, tax, legal, or professional advice. Rates and product features change. Confirm current rates and terms directly with the provider before making a decision.