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Accepting payments is easy

  • Take contactless payments from debit and credit cards, Apple Pay and other digital wallets and wearables
  • Simple set up with no additional hardware or plug-ins needed
  • Use as your main payment acceptance device or as an additional terminal for busy times
  • Same day settlement into your Westpac business account³
  • 1.4% per transaction with no upfront, contract or monthly fees.⁴

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.

Made to do business

Accept major card types

Take eftpos, Mastercard® and Visa payments including cards, Apple Pay, and other digital wallets.

Save time with optional POS features

Set up a handy product or service menu and benefit from useful sales insights all in the EFTPOS Air app.

Avoid long queues

Take payments simultaneously on multiple iPhones at the same time. Call 1800 029 749 to get started.

Enjoy the reassurance of 24/7 assistance

If our online support centre can’t help with your query, call us on 1800 029 749

Who’ll love Tap to Pay on iPhone and the EFTPOS Air app?

Businesses on the go

You want a simple, lightweight way to take payments in-store or in your mobile business.

Businesses wanting extra flexibility

You want an additional device for busy days and to keep trading during EFTPOS hardware or system outage.

How to get started

You’ll need to be a sole trader, company or association and have a Westpac business transaction account to receive settlement payments into.

1. Open

If you don’t have one yet, open a business transaction account.5

2. Apply

Apply online for an EFTPOS Air merchant facility.

For other business types such as partnerships and trusts, please call us on 1800 029 749 (8am-8pm, Sydney time, Mon-Fri).

Approvals are typically received in one business day.

3. Download

Once approved (takes around 1 business day) download the free EFTPOS Air app and log in to start taking payments with just your iPhone. EFTPOS Air requires iPhone XS or later running iOS 16.4 or later.


Hear from some of our EFTPOS Air users

"What's truly remarkable is how [Tap to Pay on iPhone] with EFTPOS Air has improved our customers' experience. They love the convenience of contactless payments and the flexibility it offers. This innovative solution has streamlined our payment processes and elevated customer satisfaction and trust.”

Cook Relocations

"Last year when we just had cash, we were counting coins and notes at the end of the day. It was awesome to just jump on the app and see how much money we’d raised. We’ll definitely use it for fundraising, and I’d definitely recommend it to others … it’s literally on your iPhone!“

Grays Point Activity Centre

“[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

Any questions?

Sole Traders, Company and Association business types can apply for EFTPOS Air online here. Please give us a call on 1800 029 749 to apply for other business types.

Things you should know

Eligibility criteria, terms and conditions apply for EFTPOS Air.


1. Compatibility: 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. 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.


4. 1.4% flat rate pricing: Applies to eftpos, Mastercard and Visa payments by card, mobile wallet, or wearable.


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. 


Apple, the Apple logo, iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a Service mark of Apple Inc.


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.