Image of a lightweight mobile EFTPOS terminal used for taking tap and go payments.

SECURE EFTPOS TERMINALS

For reliable card payments, choose a portable or fixed EFTPOS machine that can integrates with your point of sale (POS) system.
Call 1800 029 749 Request a callback

One simple monthly terminal fee plus 1.2% flat rate

  • No upfront terminal costs
  • No fixed periods
  • No cancellation fees
  • No extra ongoing costs

Why choose Westpac EFTPOS solutions?

Instant settlement

Takings appear instantly in your linked Westpac account following daily settlement¹.

Flat transaction rate

Simple 1.2% flat rate on all eftpos, Mastercard®, Visa and UnionPay transactions8.

24/7 technical support

Support’s just a call away. Get a replacement terminal within 4 hours in metro areas.

Never miss a sale

No internet? Switch automatically to backup connectivity when your Wi-Fi is down.

Tired of paying merchant fees?

Take a break and enjoy $0 merchant fees for 3 months for eligible merchant facilities^.
  • Offer available for new merchant customers for EFTPOS Air, EFTPOS Now with Presto and EFTPOS Flex products, approved before 30 June 2026 and settling into a Westpac Business transaction account.
  • After the 3-month offer period, pricing will revert to the standard pricing listed in the Terms and Conditions below.


To receive this offer, call our payment specialists on 1800 029 749, available Mon-Fri, 8am-8pm (Sydney time) and quote the ‘$0 merchant fees for 3 months’ offer. Or request a callback and a payment specialist will call you back.

Call 1800 029 749
offer image

Take money, your way

Image of an EFTPOS Now portable EFTPOS machine.

EFTPOS Now

Take payments anywhere, both in-store and on the go:

 

  • Standalone mobile terminal (go anywhere)²
  • 4G and Wi-Fi connectivity
  • Split bills, pre-authorisation, tips, refunds, and email receipts capability
  • Surcharging available for all types of payments
  • 5.5” touchscreen display with accessibility features
  • Presto app available to integrate your eligible point of sale system and simplify reconciliation 3

 

$24.75 monthly terminal fee

Chosen by: shops, cafés and professional services

Find out more
Image of an EFTPOS flex EFTPOS machine.

EFTPOS Connect

Connect with Linkly POS systems anywhere in store:

 

  • Accredited with over 600 Linkly on-premises and cloud POS providers³
  • Supports value-added services such as ZipPay and TruRating⁴
  • 4G⁵ and Wi-Fi
  • Tipping, split billing⁶ and surcharging 7
  • POS integration means manual entry is not required





 

$27.50 monthly terminal fee

Chosen by: larger retail stores and food chains

Find out more
Image of an EFTPOS Connect point of sale integrated EFTPOS machine.

EFTPOS Flex

Fast fixed POS, including self-serve kiosks:

 

  • Scalability to add more machines at your POS or self-serve kiosk
  • Accredited with hundreds of on-premises POS systems
  • Hard-wired connection for high-speed, reliable payments
  • Recover transaction costs easily with automatic surcharge
  • Avoid manual keying errors
  • Presto app available to integrate your eligible point of sale system and simplify reconciliation 3
  •  

$24.75 monthly terminal fee

Chosen by: larger retail, quick service businesses with self-checkouts or kiosks

Find out more

The smart terminals that grows with your business

Need added functionality? Take all the best features of EFTPOS Flex or EFTPOS Now and boost it with the Presto Dashboard app, integrating your point of sale (POS) system for flexible, portable and convenient payments.

Explore Presto

Trusted by 100,000+ Australian businesses

Our EFTPOS machines are relied on every day by shops, cafes, restaurants, food trucks, hairdressers, tradespeople, and many more.

Ready to get started?

Request a callback

Leave your details and one of our EFTPOS specialists will get back to you at a time that suits you.

or

Call 1800 029 749

8am-8pm (Sydney time), Mon-Fri to speak to an EFTPOS specialist.

Still don’t know which one to choose?

Use our handy tools to compare EFTPOS machines to find the solution for your business.

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Discover a new, easier way to take payments

Get paid anywhere, using our EFTPOS Air app on your compatible device. T&Cs apply.

Explore EFTPOS Air

Frequently asked questions

What is EFTPOS?

EFTPOS stands for Electronic Funds Transfer at the Point Of Sale. It's the term used to describe an electronic payment system (also known as a machine or terminal) that enables the taking of payments by digital wallets, 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, charge and 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.

Yes, if it is compatible. Having an EFTPOS machine that integrates with your point of sale system helps speed up payments, avoid errors and make reconciliation far easier - as you won’t have to key each amount into your terminal. Westpac offers EFTPOS Now with Presto which integrates with a variety of popular POS systems, EFTPOS Connect and EFTPOS Flex which integrates with hundreds of Linkly POS systems.

Point of sale (POS) integration is when an EFTPOS machine can be connected to your POS system, meaning that pricing for products or services will appear on the EFTPOS machine without manually keying it in.

Our EFTPOS terminals can connect to the internet via a mobile network (4G) or via Wi-Fi and ethernet.

Westpac EFTPOS machines accept Mastercard, Visa, eftpos, UnionPay, JCB and American Express (subject to a separate agreement#). Plus Apple Pay, Google Pay and Samsung Pay.

Help when you need it

EFTPOS support

Explore EFTPOS articles

EFTPOS support

Merchant Support Centre

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

Explore resources

Give us a call

1800 029 749

24/7 tech support

OR

 8am-8pm (Sydney time), Mon-Fri to speak to an EFTPOS specialist.

We’ll call you back

Leave your details and an EFTPOS specialist will call back at a time that suits you.

Request a callback

Things you should know

Applications for Westpac merchant services are subject to approval.  Terms and conditions and other fees and charges (PDF 105KB) apply. Full details are available on request.

^ $0 merchant fees for 3 months (Welcome Offer or Offer) To be eligible for the Offer, you must have an application approved for an EFTPOS Air, EFTPOS Now with Presto or EFTPOS Flex merchant facility between 1 April 2026 and 30 June 2026 (Offer Period) and settle into a Westpac Business transaction account.

Offer details:

  • EFTPOS Air - 0% flat transaction rate for eftpos, Mastercard, Visa cards for 3 months. After this date, the standard flat transaction rate will apply, in accordance with our Terms and Conditions. The current standard flat transaction rate is 1.4%.
  • EFTPOS Now with Presto and EFTPOS Flex – 0% flat transaction rate for eftpos, Mastercard, Visa and UnionPay cards, plus a $0 monthly terminal fee/per device for 3 months. After this date, the standard flat transaction rate and monthly terminal fee will apply, in accordance with our Terms and Conditions. The current standard flat transaction rate is 1.2%, plus the monthly terminal fee of $24.75 per device.

Exclusions:

  • Applications completed via digital channels for EFTPOS Air are excluded from the offer.
  • Our flat transaction rate pricing excludes American Express and JCB cards, as this is charged by American Express and subject to their eligibility and application criteria. 
  • Request based or event-driven merchant facility fees, such as terminal accessories, excessive chargeback and equipment not returned/damaged will still apply. Details can be found in Your guide to merchant fees and charges (PDF 105KB).
  • Business transaction account fees may apply. For a complete view of fees, please refer to the Deposit account for business customers Terms and Conditions (PDF 838KB).

Eligibility:

  • Applications for Westpac merchant services are subject to approval. Terms and conditions apply.
  • 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
  • Offer eligibility criteria, conditions and exclusions apply. The offer may be withdrawn or varied at any time, without notice or for any reason excluding applications already in progress.
  • The offer is only available to new merchant customers who have not held a merchant facility with Westpac in the last 12-months before 1 April 2026.
 
1. Westpac instant settlement functionality is not available between 9:30 pm and 11:00 pm - Sydney time. You can only perform a settlement once a day, before 9:30 pm (Sydney time). A settlement done after 11:00 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. Value added services such as ZipPay and others are subject to availability by Linkly Solution. Visit Linkly.com.au for details about POS compatibility
 

5. 4G backup is not available for Linkly Cloud connectivity. Refer to EFTPOS Connect Quick Reference Guide (PDF 454KB) and User Guide (PDF 1MB) for details.
 

6. This functionality is POS dependent.
 

7. Surcharging is only available for POS vendors accredited with the Linkly Dynamic Surcharging feature. Linkly does not currently support JCB surcharging. For information about surcharging visit ' The rules for card payment surcharges.'
 
8. Our 1.2% flat transaction rate applies to eftpos, Mastercard ®, Visa and UnionPay but not to American Express or 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.

 

Visa is a registered trademark of Visa International Service Association.

 

UnionPay is a trademark of UnionPay International 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 a trademark of Google LLC.

 

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.