Accepting payments
More choice for businesses
Whether your customers are in-store, online, or on-the-go, eftpos can help merchants of all sizes accept payments seamlessly and securely. With eftpos, merchants can be confident that transactions are processed securely and locally, while meeting Australian privacy and security standards.
Accept eftpos contactless payments
Debit card use in Australia is growing and now represents over 75% of all card payments¹. With eftpos available on over 50 million² contactless-enabled debit cards and digital wallets, businesses can benefit from Merchant Choice Routing (MCR), and it's easy for consumers to pay.
eftpos contactless payments can be accepted in-store or on-the-go with most payment terminals. eftpos also supports Tap to Pay on mobile solutions, enabling merchants to easily and securely accept in-person, contactless payments from cards and digital wallets with their iPhone or Android devices. That means there's no need for additional hardware or payment terminals.
Tap to Pay on iPhone
With Tap to Pay on iPhone, merchants can accept all types of in-person, contactless payments using an iPhone.
Accepting payments is easy
Merchants can accept all types of in-person, contactless payments using an iPhone – from physical cards to Apple Pay and other digital wallets.
No extra hardware needed
No extra terminals, readers, or hardware are needed to start accepting contactless payments using an iPhone.
Secure and private transactions
Tap to Pay on iPhone uses the built-in features of iPhone to help keep data private and secure. When a payment is processed, Apple doesn’t store card numbers on the device or on Apple servers.
Get started
To start using Tap to Pay on iPhone, talk to your banking partner, or payment service provider.
Tap to Pay on Android
With Tap to Pay on Android solutions, merchants can accept in-person, contactless payments from cards and digital wallets using a compatible Android device.
A quick, easy and convenient way to accept payments
Simply download the payment app and set up on a compatible Android device (phone or tablet).
Lowering the barrier to entry for payment acceptance
Empowered by NFC technologies, there’s no need for additional hardware or payment terminals.
Accept payments securely
Uses the same security and encryption technology offered with EMV® chip cards throughout the world, and the same switching process occurs as traditional POS transactions.
Get started
To start using Tap to Pay on Android, talk to your banking partner, or payment service provider.
Accepting ecommerce and card-not-present payments
eftpos supports ecommerce and card-not-present (CNP) payments that are made remotely without tapping or processing a physical card via a card reader or terminal (and without entering a PIN manually). Common CNP payments include payments made online, over the phone, or regular payments where your card is stored on file.
eftpos Click to Pay
eftpos Click to Pay is launching soon in a world-first for online multi-network debit (MND) card payments. eftpos Click to Pay combines the seamless, secure online checkout experience customers expect with the added benefit of Merchant Choice Routing (MCR).
A fast way to pay
eftpos Click to Pay offers a streamlined and consistent customer experience, allowing consumers to make fast, convenient and secure purchases online with one-click, by removing the need to manually enter card details.
Integrated MCR
eftpos Click to Pay gives merchants the benefit of automated routing to the most cost-effective payment network through MCR, helping businesses save on every transaction.
Tokenised payments
eftpos Click to Pay leverages tokenisation technology, which replaces sensitive information (like card numbers) with a digital token. This includes in-built lifecycle management benefits so consumers aren’t required to manually update card details, and removes the exposure and need for merchants to store card details.
Maximise sales conversion
eftpos Click to Pay supports a common integration regardless of the payment card, digital channel or device used, helping to simplify the online checkout process for customers, whilst maximising conversion rates for merchants.
For more information on payment acceptance solutions for your business, contact your banking partner, payment service provider, or AP+ relationship manager.
Jump to
Paying with a mobile wallet?
Find out more about paying with a mobile wallet including Apple Pay, Google Pay, or Samsung Pay.
Pricing and fees
Find out more about interchange fees, their purpose and rates.
Frequently asked questions
Check out our FAQs for common questions asked by businesses and consumers.
eftpos brand portal
Explore our eftpos brand guidelines and marketing material to help deliver a consistent brand experience.
1. Retail Payments statistics, RBA December quarter 2024
2. eftpos statistics, June 2025
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. The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC. For more details, see https://developer.apple.com/tap-to-pay/
The Click to Pay icon is a trademark owned by and used with permission of EMVCo, LLC
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