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Benefits of our EFTPOS solutions

Access your money fast

Your takings will appear in your linked Westpac account instantly following a single settlement each day.1

Keep trading during outages

No internet? No problem. Automatically switch to backup connectivity during outages, so you never miss a sale.

Get 24/7 support

In the unlikely event of a problem, call our locally based support centre. Replacement terminals can be provided within 4 hours in metro areas.

What’s the best EFTPOS machine for my business?

Image of an EFTPOS Now portable EFTPOS machine.

Take payments anywhere in store or on the go


Chosen by shops, cafés, market stalls, food trucks, trades, and professional services.


  • Standalone mobile terminal (go anywhere)²
  • 4G and Wi-Fi connectivity
  • Tips, refunds and email receipts
  • 5.5” touchscreen display with accessibility features
  • Surcharging available for all types of payments


$24.75 monthly rental

Image of a Presto Smart POS integrated EFTPOS machine.

Integrate with popular POS systems anywhere in store

Presto Smart

Chosen by restaurants, cafés and retail stores wanting to take payments without manually entering amounts.

  • Integrates with many popular POS systems³
  • Wi-Fi and 3G connectivity
  • Bill splitting,⁴ tips, refunds and more
  • Surcharging available for insert and swipe payments
  • Real-time transaction reporting



$35.00 monthly rental

Image of an EFTPOS Connect point of sale integrated EFTPOS machine.

Integrate with Linkly POS systems anywhere in store

EFTPOS Connect

Chosen by larger retail stores and food chains wanting to take payments without manually entering amounts.

  • Integrates with hundreds of Linkly POS systems³
  • 4G and Bluetooth-to-base connectivity
  • Bill splitting,⁴ tips, refunds and more
  • Add your logo to the terminal



$27.50 monthly rental

Simple pricing, no lock-in contracts

EFTPOS machine rental

Starting at $24.75 a month for an EFTPOS Now terminal.


Simple flat rate

1.2% flat rate on all eftpos, Mastercard, Visa and UnionPay transactions5.

Learn more

Merchant support centre

Find everything you need to run and maintain your Westpac EFTPOS machine.


Image of a café owner who uses an EFTPOS machine.

Frequently asked questions about EFTPOS machines

EFTPOS stands for Electronic Funds Transfer at the point of sale. It's 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 credit card or debit card account to a nominated business bank account.

Then there is eftpos, 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.

Things you should know
Applications for merchant services are subject to approval.  Terms and Conditions and other fees and charges (PDF 69KB) apply. Full details are available on request.
1. Westpac instant settlement functionality is not available between 9:30 pm and 11:59 pm (EFTPOS 1 and Presto Smart terminals) and between 9:30 pm and 11:00 pm (EFTPOS Now and EFTPOS Connect terminals) - Sydney time. You can only perform a settlement once a day, before 9:30 pm (Sydney time). A settlement done after 11:00 pm for EFTPOS Now and EFTPOS Connect terminals and after 11:59 pm for EFTPOS 1 and Presto Smart terminals, will be processed as a settlement for the next day. Subject to system availability, settlement can take place 7 days a week. Settlement must be to an eligible Westpac 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 Connect).

2. Subject to system availability

3. The point of sale systems are supplied by POS Providers, not Westpac. Westpac does not guarantee or endorse those products and any related services.

4. This functionality is POS dependent.

5.Our 1.2% flat transaction rate does not apply to American Express, Diners Club and JCB cards. 

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

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

UnionPay is a registered trademark of China Union Pay Co., Ltd

American Express® is a registered trademark of American Express.

Bluetooth® is a registered trademark owned by Bluetooth SIG, Inc. and use of the mark by Westpac is under license.

Google Pay is trademark of Google Inc.

Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries.

Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.