Independent Comparison
Compare EFTPOS providers
Six providers compared across the metrics that matter to hospitality and retail venues. HEFTE partners are marked. We earn a referral commission when you switch through us. All comparisons are independent.
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HEFTE Partners
Zeller
Flat-rate EFTPOS with an integrated business account.
Rate
1.4% flat
Monthly
$0
Contract
No lock-in
Settlement
Next business day
Strengths
- +No monthly fees
- +Integrated bank account and debit card
- +Excellent terminal hardware
Zero Payments
Powered by Tyro
Australia's specialist hospitality acquirer. Purpose-built for venues.
Rate
Negotiated
Monthly
Varies
Contract
No lock-in
Settlement
Next business day
Strengths
- +Best-in-class H&L and hospitality POS integration
- +Specialist hospitality knowledge
- +Negotiated rates for higher volume
urpay
Surcharge-free EFTPOS specialist for Australian SMBs.
Rate
Contact us
Monthly
$0
Contract
No lock-in
Settlement
Next business day
Strengths
- +Free terminal hardware
- +No monthly fees
- +Zero-cost EFTPOS specialist
H&L Pay
by H&L POS
Native payment integration built by the makers of Australia's leading hospitality POS.
Rate
Contact us
Monthly
$0
Contract
Contact us
Settlement
Next business day
Strengths
- +Deepest possible H&L POS integration, built by H&L themselves
- +Full and split payments, tipping, table management
- +Terminal reconciliation directly at POS
Also Listed
Square
Australia's most recognised flat-rate payment platform.
Transaction Rate
1.6% flat (in-person)
Monthly Fee
$0
Contract
No lock-in
Terminal
From $59 (Reader)
Settlement
Next business day
Strengths
- +Most recognised brand for SMBs
- +Simple flat rate
- +No monthly fee
- +Strong app ecosystem
Commonwealth Bank
Smart terminals
A trusted business bank with dedicated merchant services.
Transaction Rate
Negotiated
Monthly Fee
Varies
Contract
Varies
Terminal
Rental from $0
Settlement
Next business day
Strengths
- +Most trusted SMB brand in Australia
- +Existing banking relationship benefits
- +Dedicated business support
- +Bank-grade reliability and security
Got specific requirements or multiple venues?
Pay@Table, QR ordering, multi-site setups. Submit your details and we'll match you to the right partner. They contact you directly within 1 to 2 business days with a tailored quote.
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. Rates last reviewed: 13 May 2026.