Payment Processing

At Smartpay, we specialise in providing innovative payment solutions  (EFTPOS)  for businesses in Australia. You will have more choice with a smart and flexible EFTPOS terminal. It’s a multi-featured device that can adapt to your business needs as they change. This all in one solution is small, stylish and robust.

Compact countertop solution, or unplugged and on the move, one device does it all simple to setup and use. 

If you want to accept payments from any card a customer may bring to your business, our smart and flexible EFTPOS terminal is the best payment solution for any business. Focussing on ease of use and cost-effectiveness, Smartpay have saved millions in fees for the thousands of businesses that have placed their trust in them for their EFTPOS needs. Our expertise in this field, developed over two decades of experience, enables us to effectively support over 30,000 small and medium-sized enterprises daily.

Our state-of-the-art integration technology ensures seamless connectivity with a variety of point of sale systems,
including cash registers, desktop systems, cloud-based software, and mobile apps.
Choose Smartpay for a smart, reliable and efficient EFTPOS solution.

Smartpay Supports



Proofed Tech

POS System

Benefits of Using Smartpay



Using a simple flat rate, you will be charged a single rate regardless of the type of card used by their customers (such as Visa, MasterCard, and EFTPOS). In this way, merchants are free from having to pay different rates for different cards and can plan for their costs each month.
There is a simple flat rate in Australia for payments made using EFTPOS, debit cards, Visas, and MasterCards. Although American Express (AMEX) can be added to the terminal, it is not included in the flat rate.
Simple flat rates are fixed percentage rates in Australia for credit and debit card transactions. On the other hand, EFTPOS transactions are subject to a fixed cent rate.

Paying with a contactless payment has the same rate as paying when you tap your card.

A simple flat rate can be applied to any business with a monthly turnover.

Growth is not penalised, and you will not be hit with higher fees for greater turnover. Smartpay, however, monitors every merchant to ensure the expected turnover matches its quote.

No, simple flat rates do not require a minimum term.

Generally, funds are deposited into your account the next business day. A transaction settled on Monday through Thursday is settled the following day, while a transaction settled on Friday, Saturday, or Sunday is settled on Monday. Public holidays are regarded as business days, so settlements are deposited the next day. Smartpay’s partner, Merchant Warrior, settles MOTO (Mail Order/Telephone Order) payments every two business days if merchants request them.

When it comes to Smartpay settlements, you can choose any business bank account.

Terminals on our Simple Flat Rate are charged at $34.95 plus GST.

The Smartpay terminal is a lightweight device that can be connected to smartphones, Wi-Fi, or broadband via 4G. A number of additional features are also available, including Tap n Go, Tipping, Mail Order/Telephone Order (MOTO), and Surcharge as add-ons. WeChat Pay and Alipay will also be supported.

The terminal will be delivered to you within 5-7 business days after your application is approved.

Yes, there is a flat charge for paper rolls that includes the cost of the rolls, shipping and handling.

Whenever you need help, Smartpay’s 24-hour technical support team is here to assist you. If you have questions, just give them a call at 1800 433 876, and the experienced team will handle the rest.

There will be no charge for any security or software updates for your Smartpay terminal. During your lease period, you will receive a free upgrade to your terminal.

If your company processes more than $10,000 in credit card transactions per month, you may qualify for SmartCharge. The terminal rental fee will be charged if your turnover is below this threshold in a particular month, but transaction fees will not apply. Check out the “Do I need to pay for the terminal rental?” FAQ to learn more about how this minimum threshold is calculated.

AMEX, MOTO, and all debit transactions are excluded from terminal rental as long as your terminal processes at least $10,000 in credit card transactions in a month. A monthly charge of $34.95 (plus GST) will be charged if you don’t meet this threshold.

Note: You can’t add sales across your terminals to equal $10,000 if they don’t meet that threshold.

A minimal surcharge has been found to be acceptable by most of our merchants. It is now common for companies to charge surcharges for services in a wide range of industries, such as restaurants, bars, cafés, and auto services.

In each terminal, we provide countertop signage to ensure that your customers are fully aware of the surcharge amounts. Additionally, the terminal displays a surcharge notification on the idle screen, and when customers confirm their payments, the surcharge amount is displayed separately.

It is possible to bypass the surcharge for specific transactions using the terminal. SmartCharge daily trading settlement will deduct the surcharge amount if you bypass the surcharge. As a result, you won’t receive a bill at the end of the month. If you have paid surcharges on behalf of customers, we will send you an invoice.

In addition, you could suggest a debit payment, which incurs a lower fee, or cash, which doesn’t incur a surcharge.

During the setup of SmartCharge, you have the option of paying the debit/EFTPOS cost yourself rather than passing it on to your customers. Consequently, your customers can pay by card but will be charged a surcharge only if they use Visa or MasterCard (debit or credit). In the case of credit card payments, you are able to pay the charge yourself for each transaction.

Payments can be made using EFTPOS, debit cards, Visa, and Mastercard with SmartCharge.

It is possible to add AMEX to your terminal if you have an AMEX merchant ID. However, you will still be charged fees by AMEX for these transactions. SmartCharge’s team will be happy to help you set up a merchant-controlled surcharge, so these transactions will be charged as well.

The setup fee of $90 + GST is waived when you join. The fee will only be charged if you leave before 12 months have passed.

That doesn’t need to be a concern anymore. Using SmartCharge is hassle-free and requires no administrative work on your part.

If you decide to apply a surcharge yourself, you will need to determine an appropriate surcharge that is equal to the cost of processing payments. Failure to comply could result in excessive surcharge penalties.

At the end of the month, you will still receive a bill for transaction fees if you choose to use a merchant-controlled surcharge. In order to cover this bill, you must ensure that you have collected enough surcharge fees. Moreover, the surcharge may need to be split off from your sales, which may require additional administrative work. SmartCharge’s simple Flat Rate add-on, however, allows you to choose whether or not to add a merchant-controlled surcharge.

Let us help you find a great value EFTPOS solution.

(Uploading your prior processing statements will help us tailor a proposal just for you and your business)

By clicking 'Submit' you acknowledge that you have read and agree to our Privacy Policy, Terms & Conditions, and consent to us providing your details to our merchant partners and consent to them contacting you about the Eftpos products and services they provide.

Let us help you find a great value EFTPOS solution.

(Uploading your prior processing statements will help us tailor a proposal just for you and your business)

By clicking 'Submit' you acknowledge that you have read and agree to our Privacy Policy, Terms & Conditions, and consent to us providing your details to our merchant partners and consent to them contacting you about the Eftpos products and services they provide.


Compare rates from some of Australia’s leading energy providers for FREE

Let us find the Best Solution for you