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Our EFTPOS Solutions

Instant Settlement1

Receive your daily business takings instantly which helps to keep your cash flowing.

24/7 customer support

We’re on call 24/7 to ensure your business stays running.

EFTPOS machine payment methods

Cleaning your EFTPOS terminal: Follow our easy two-step process to help reduce the risk of transferring COVID-19.

Standalone EFTPOS machine


Save up to $322.50

Order a new EFTPOS 1 terminal between 6 May 2019 and 30 September 2020 on a merchant pricing plan^ and pay:

  • $0 establishment fee (saving you $82.50) 3
  • $0 monthly plan fee for the first 12 months on a Business One High or Low Plan account while on your EFTPOS 1 pricing plan (saving you up to $240) 4.

T&Cs and exclusions apply.

Westpac EFTPOS 1 taking card payment

In-store and on the move

  • Lightweight and portable
  • Sleek design with large colour touch screen
  • Print receipts and split bills
  • Flexible plans as there are no lock-in contracts2
  • Great for retail shops and cafes.

Integrated EFTPOS solutions

EFTPOS machines that integrate seamlessly with a range of Point of Sale (POS) systems.

Presto Smart

  • Fast and secure payments to save you time
  • Take payments anywhere in store
  • Simple and easy reconciliations
  • Great for hospitality and retail businesses.


We'll be within touch within 1 business day.


  • Integrate EFTPOS with a range of Linkly Point of Sale (POS) systems
  • Take payments anywhere in store
  • Automatically switch to 3G5  if your main communication method fails, so you’ll never miss a sale.


We'll be in touch within 1 business day.

Need help?

Help me choose a payment solution for my business


Compare our EFTPOS terminals

Accept payments online or over the phone

Learn about how we could help your business with accepting payments online, over the phone or in high volumes.

Online payments

Accept online payments by integrating with a payment gateway or a Westpac hosted service with our online payment options.

Processed payments

Process high volumes of payments at once (such as mail orders or donations) or accept regular payments from your customers with ease.

Frequently asked questions

EFTPOS stands for Electronic Funds Transfer at the Point of Sale. It is the term used to describe an electronic payment system (or machine or terminal) that enables the taking of payments by debit, credit and charge cards. EFTPOS machines – which can be standalone or connected to a Point of Sale (POS) system – facilitate the movement of funds from a customer’s card account to a nominated business’ bank account.

Then there is eftpos (not in capitals), which is the debit card payment system that takes funds directly from a customer’s cheque or savings transaction account to pay for purchases in store.

Every business is different, so will benefit from different payment solutions including combinations of services – such as EFTPOS in store and a virtual terminal for phone and mail payments out back.

Some machines integrate with Point of Sale (POS) software and some are standalone, meaning you manually key-in the amount to be paid.

Then there are eCommerce payment gateways and systems for handling batch and/or regular payments. Request a call back from a member of the Westpac merchant services team if you’d like to discuss options that may suit your business.

It’s worth carrying out research to help you identify the right payment system for your business needs. A great place to start could be our handy Payment Solution Selector Tool, which is designed to help you find payment products that may match your specific requirements.

Yes, if it is compatible. Having an EFTPOS machine that integrates with your Point of Sale system helps speed up payments and avoid errors, as you won’t have to key each amount into your terminal. Westpac offers Presto Smart that integrates with a variety of popular POS systems and EFTPOS 1i that integrates with a range of Linkly POS systems.

Systems vary by provider, but with Westpac systems the terminals generally connect via Wi-Fi, ethernet or the mobile network. If the network has an outage, transactions are stored offline in the terminal until the network is back up and running, at which point they will be transferred. Alternatively, with systems other than the EFTPOS 1i, Westpac customers can connect via their Wi-Fi to maintain live payment transfers. 

Things you should know

Applications for merchant services are subject to approval. Terms and Conditions and other fees and charges (PDF 1MB) apply. Full details are available on request.

^ To be eligible for the Westpac Merchant Pricing Plan you must hold and settle into a Westpac business transaction account in the same name as the Merchant Facility. Not available for use outside of the indirect tax zone. One terminal per Merchant Pricing Plan, per Merchant and available for EFTPOS 1 products only.

1. Westpac instant settlement functionality is not available between 9:30pm and 11:59pm (EFTPOS 1 and Presto Smart terminals) and between 9:30pm and 11:00pm (EFTPOS 1i terminals) - Sydney time. You can only settle a Westpac issued EFTPOS terminal once each day. Subject to system availability, settlement can take place 7 days a week. Settlement must be to a Westpac business transaction account. Instant Settlement functionality is not available on Corporate Online. Instant Settlement is only available for Mastercard, Visa and eftpos transactions (plus UnionPay if using EFTPOS 1i).

2. Cancellation fee applies. Changes to merchant pricing plans are effective from the following month.

3. The Establishment Fee will be waived for successful application for a new Merchant Facility with an EFTPOS 1 standalone or Presto Smart terminal on a Merchant Pricing Plan. Eligibility criteria apply for a Merchant Facility and Merchant Pricing Plans. This offer may be withdrawn or varied at any time.

4. The monthly account fee, currently $10 per month, for your Business One Low Plan account or $20 per month, for your Business One High Plan account will be waived for the first 12 months while you continue to hold and settle a Merchant Facility on a Merchant Pricing Plan. After the end of 12-month period, the standard monthly account fee (applicable at that time) will be applied. The Business One Low Plan or High Plan account must be in the same name as the Merchant Facility. This offer is not applicable for any other account type and for a single account per Merchant Pricing Plan only. All other account fees and charges apply. Where you do not hold a Business One Low Plan or High Plan account or cease to hold a Merchant Facility on a Merchant Pricing Plan, the standard monthly account fee will apply for the account. This offer may be withdrawn or varied at any time.

5. Standalone mode allows you to process card payments even when the POS is not connected to your EFTPOS terminal.

# If you want to accept American Express, you'll need to call 1300 363 614 to enter into a separate merchant agreement with American Express.

Mastercard® is a registered trademark of Mastercard International Incorporated.

American Express® is a registered trademark of American Express.