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Tap to Pay on the EFTPOS Air app

Take secure in-person payments with EFTPOS Air on your compatible phone or tablet.¹
Open EFTPOS Air

Accepting payments is easy with just a tap on your phone2

No extra hardware needed

Once your application is approved, download the EFTPOS Air app on your compatible device¹. Easy.

Simple costs

No setup costs, monthly fees or lock-in contracts. Just pay 1.4% per transaction.³

Avoid long queues

Multiple users can take payments simultaneously.

Same day settlement

Keep your cash flowing with nightly settlement of funds into your Westpac business account.⁴

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Safe, secure and supported

With round-the-clock support, rest assured we've got you covered when you're taking payments on the go.

Data defence

Payment data is encrypted in the same way as it is for an EFTPOS machine.

24/7 assistance

Get support via the Westpac Merchant Helpdesk on 1800 029 749.

Built to do business

EFTPOS Air is flexible enough to integrate seamlessly into the way you do business.

  • Accept all major card types – eftpos, Mastercard® and Visa plus digital wallets.
  • Record cash transactions – And let customers split payments between cash and card.
  • Set automatic card surcharging – To help recover transaction costs.

EFTPOS Air makes it easy to get paid

Whether you're a tradie, stallholder or barista, EFTPOS Air is a simple solution that'll keep the payments flowing, whatever the day throws at you.

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Benefits businesses on the go

EFTPOS Air is a convenient way for mobile businesses such as trades, food trucks and market stalls to take payments. It’ll also suit cafés, gyms, sports clubs and associations running events.

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Provides a back-up for busy times

Use EFTPOS Air alongside your EFTPOS terminal during busy periods. Or, have your phone on hand as a back-up in case your terminal becomes unavailable.

Watch EFTPOS Air unpacked

See what EFTPOS Air is all about - in just over a minute.

Get started with EFTPOS Air

Before you apply, you’ll need to have a Westpac business transaction account to receive settlements into.

1. Open

If you don't have a Business Transaction account yet, open a Business One, Business One Plus or Community Solutions Account.5

2. Apply

Apply online for an EFTPOS Air merchant facility if you are a sole trader, company or association. 
For other business types such as partnerships and trusts, please call us on 1800 029 749 (8am-8pm, Sydney time, Mon-Fri).

Applications for EFTPOS Air are typically reviewed within one business day.

3. Download

Once approved, download the EFTPOS Air app to your compatible device and log in to start taking payments.

 

Open EFTPOS Air

Open a Westpac business account for same-day settlement

You'll need to have a Westpac business transaction account to receive settlements into.

Business One

$0 monthly fee account

Good if you mainly bank online.

  • $3 per staff-assisted transactions made in branch
Open now Explore Business One

Business One Plus

$10 monthly fee account

Good if you occasionally bank in branch.

  • 25 free staff-assisted transactions a month in branch
Open now Explore Business One Plus

How EFTPOS Air helps businesses like yours

"It’s very easy to set up and use the app, and we didn't need to buy any external devices. We didn't need to learn anything new to be able to operate this.” 

Gabrielle Head, NSW Guide Leader

“[Tap to Pay on iPhone] and the EFTPOS Air [app] really helped me to have my day off again. I used to ask clients to transfer money to me. By the time I texted my bank details, it was a few days after I’d provided the service, then it would take a few days to receive the money. With EFTPOS Air, it’s immediate and it’s perfect.”

By Lowri

“The app is great for busy times as it helps our team serve customers faster. It allows me to accept payments both in the cafe and at our market stall.”

Ron Danieli, founder of Danieli Cafe, The Rocks, Sydney

FAQs about our mobile EFTPOS app

Sole Traders, Company and Association business types can apply for EFTPOS Air online here. Please give us a call on 1800 029 749 (8am-8pm (Sydney time), Mon-Fri) to apply for other business types.

If you are a not-for-profit organisation and would like to discuss our exclusive rates, please call us on 1800 029 749. Alternatively, find out more here.

Not a Westpac business customer yet?

Before applying for EFTPOS Air, open an account to receive payments into.

Already a Westpac business customer?

If you already have a business account, apply online for an EFTPOS Air merchant facility:

Get started

Are you a not-for-profit?

Find out how EFTPOS Air can support your organisation and make fundraising simpler.

Learn more

Merchant support & stationery

Helpful information

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Things you should know

Eligibility criteria, terms and conditions apply for EFTPOS Air.

This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it. Read the disclosure documents for your selected product or service, including the Terms and Conditions or Product Disclosure Statement and consider whether the product or service is right for you.
 

1. Compatibility: To use EFTPOS Air your iPhone or Android device will need to be Near Field Communication (NFC) enabled and running on one of the supported iPhone Operating System (iOS) or Android Operating Systems (OS), listed at https://help.eftposair.westpac.com.au/compatibility/, which may change from time to time. Tap to Pay on iPhone requires iPhone XS or later running iOS 16.4 or later and a supported payment app. Some contactless cards may not be accepted by your payment app.


2. Mobile coverage: Internet connection is required to take payments.
 

3. 1.4% flat rate pricing: Applies to eftpos, Mastercard and Visa payments by card, mobile wallet, or wearable.
 

4. Same day settlement:  Subject to system availability, settlement is performed directly after business day cut off. Business day cut-off for EFTPOS Air takes place 7-days a week at 8.50 pm (Sydney time). Settlement must be to an eligible Westpac business transaction account.
 

5. Business Transaction accounts: Before making a decision about any of our Business Transaction Accounts, please read the terms and conditions available at westpac.com.au/transaction-accounts. Fees may be incurred for certain electronic transactions such as foreign transactions and withdrawals from some overseas ATMs. Customers must be able to meet any applicable fees and charges. For a complete view of fees, please refer to our Terms and Condition (PDF 911KB).

Read the Westpac Online Banking Terms and Conditions (PDF 1MB) before making a decision. Not all accounts are eligible to be included in a bank feed. Not all third-party service providers support bank feeds for all accounts.

Bank feeds must be set up with third-party service provider before it can be connected in Westpac Online Banking. If your third-party service provider doesn’t appear in the drop-down menu in Westpac Online Banking, you may need to check that your third-party service provider is registered with Westpac. Should there be any changes to your user access or network access levels, you may need to disconnect your bank feed(s) as any access changes won’t impact bank feeds. The products and services offered by third-party service providers are subject to their own terms and conditions and fees and charges. Westpac doesn’t guarantee or endorse the services or products offered by third-party service providers.


Select the 'Find out more' buttons to check your eligibility for any of our transaction accounts. Find out what information you need to provide to become a Westpac customer.
 

Business Debit Mastercard® Terms and Conditions (PDF 235KB)

 

Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

 

Visa® is a registered trademark of Visa International Service Association.