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7 reasons to try Tap to Pay on iPhone with EFTPOS Air

From giving you greater flexibility in the way you take payments to simplifying cash flow management, Tap to Pay on iPhone with Westpac EFTPOS Air could benefit your business in many ways. And, it’s all in the palm of your hand, with no additional hardware required.

  • Quick and easy set-up
  • A multi-purpose mobile payment solution
  • Fast and flexible payments to help speed up cash flow
  • Built-in point of sale and inventory catalogue
  • Invoicing made simple
  • Easier for you, instant for customers
  • Safe and secure

Tap to Pay on iPhone with the EFTPOS Air app enables businesses to accept contactless payments in a fast, easy, flexible way, so you can focus on your business.

How you choose to use Tap to Pay on iPhone with Westpac EFTPOS Air is up to you – as your primary way of accepting payments with point of sale features on the go, as part of a more flexible in-store set-up, or as a reliable addition to use alongside your EFTPOS machine during busy times.

Whichever way works, here are seven reasons why you and your business may benefit from Tap to Pay on iPhone with the EFTPOS Air app: 


1. Quick and easy set-up – no extra hardware required 

It’s time to leave clunky payments hardware where it belongs – back in the early 2000s.


Setting up Tap to Pay on iPhone with Westpac EFTPOS Air is simple. All you need is a compatible iPhone* and a Westpac business transaction account to apply online.


For most small businesses, the application can be completed in a matter of minutes.  Once complete and approved, you can download the free EFTPOS Air app, log in and start taking payments on your iPhone.


You’ll be able to accept in-person, contactless payments, giving your customers the opportunity to pay however they choose to—with major card providers, Apple Pay or other digital wallets.


No need for extra hardware or plug-ins also means no downtime spent wrangling complicated tech set-ups and no more frustrating delays from unreliable device pairing. Plus, you don’t need to charge up a separate device or dongle or remember to take it with you – when you’re flat out working on the go. All you need is the iPhone in your pocket.


*EFTPOS Air requires iPhone XS or later running iOS 16.4 or later.


2. A multi-purpose mobile solution to use your way

With such fast and simple set-up, Tap to Pay on iPhone with Westpac EFTPOS Air makes in-person, contactless payments easy by integrating your iPhone with your way of working, wherever you’re doing business.


For tradespeople, food trucks and market stalls running businesses on the go, convenience alone makes it a great way to accept in-person, contactless payments. 


For gyms or sports clubs running ad hoc classes, it can add additional payment acceptance support for specific days or special events.


On a mission to raise money for others? It is a great way to take contactless payments at pop-up charity fundraisers – think raffles, stalls and sausage sizzles for community groups, from the school P&C to local sports or surf clubs.


For more established small businesses operating in a fixed location, Tap to Pay on iPhone with Westpac EFTPOS Air can be an addition to your current in-store payments setup to give you flexibility and help keep your business running smoothly during busy times, or to use in cases where your traditional terminal becomes unavailable. All you need is an iPhone on hand.


Every small business is different, so the way you use Tap to Pay on iPhone with Westpac EFTPOS Air should be too. Use it your way. Whatever that means for you. 


3. Same day settlement to improve cash flow

There’s nothing like same day settlement to help improve your business's cash flow.


EFTPOS Air can give you same day access to your takings, which could help to avoid cash flow problems. 


To boost positive cash flow even more, there are no upfront costs for using EFTPOS Air, no terminal fees, no ongoing fees, and no lock-in contracts. No monthly fees for hardware (that may get lost, broken, or left at home when you’re on the go) also helps reduce business expense. 


The flat fee structure – all you pay is a 1.4% transaction fee when you use the app to take a payment – can also support your future cash flow forecasts and planning, allowing for enhanced cash management, while the ability to set automatic card surcharging can help you recover transaction costs to reduce cash outflows. Win-win all round. 


4. Built-in point of sale features

The ability to preload products and services so you can easily select items – and track payments – on your iPhone is super straightforward with the EFTPOS Air app.


Its point-of-sale features make it easy to group related products into categories, customise items (on a café menu, for example), scan barcodes, and add discounts or surcharges. 


Whether you’re busy selling in store or on the go, the app will track sales for you, and then show you trends and insights from a simple app dashboard. 


5. Invoicing made simple

To get that customer over the line, you might still need to create a quote or an estimate. Good news: EFTPOS Air can do this. It can also generate and send invoices (with your logo on it) once the job is done, all from the palm of your hand.


To help improve cash flow, the app can send a reminder email or SMS about unpaid invoices to encourage prompt payment. That means you don’t need to chase customers to pay bills and can save time on admin, so you will be able to spend more time doing what you do best – running the day-to-day operations of your business.


6. Easier for you, instant for your customers

With more payment options available than ever, customers are now used to paying their way – and paying quickly. So why not let them (and help your cash inflow)? Why make them wait for an invoice if they can tap a credit or debit card, or use Apple Pay or another digital wallet in the moment?


The ability for a customer to pay their way could be the difference between an immediate sale or a lost sale. If you always have your iPhone with you, and the EFTPOS Air app downloaded, you’ll never miss an opportunity or turn a paying customer away again. And in small business, that’s a big deal. 


7. Privacy and security built -in

Tap to Pay on iPhone uses the built-in features of iPhone to help keep your business and customer data private and secure. When a payment is processed, Apple doesn’t store card numbers on the device or on Apple servers, so you can rest assured knowing your business, and your customers’ details, stay safe.


Additionally, when you use EFTPOS Air, payments are processed by Westpac using security features that have been specifically developed to enable card transactions. 


Payments accepted on your iPhone will be just as secure as those made through our physical EFTPOS machines, while automated cloud backup has your payments data covered on-the-go wherever you work. 


What happens if your iPhone is lost or stolen? Password protection and the ability to sign out remotely from the EFTPOS Air portal will help protect against fraud. Westpac has 24/7 merchant support so you’re never on your own. 


The backing of a leading Australian bank that’s committed to making doing business on the go simpler, smarter and safer doesn’t hurt either.

Things you should know

Eligibility criteria, terms and conditions apply for EFTPOS Air.


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 Systems (iOS) or Android Operating Systems (OS) listed at, which may change from time to time. 


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 accounts: Before making a decision about any of our products or services, please read the terms and conditions available at Fees and charges apply and may change.


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