Keeping Australia moving
eftpos is Australia’s debit card network, committed to cost-effective, secure and reliable payments for businesses and consumers.
Cost-effective payments
Businesses that enable Merchant Choice Routing (MCR) save nearly 20% on debit transactions¹, helping to reduce the cost to accept debit card payments.
Trusted Australian network
eftpos is committed to continuous improvement of payments in Australia and delivering real local value for businesses and communities.
Continued innovation
eftpos continues to evolve with the needs of industries, businesses and consumers by investing in technology and delivering innovative payments capabilities and experiences.
Supporting small businesses
eftpos recognises the pivotal role small businesses have in our economy, and offers cost-effective payments and widespread acceptance.
Card surcharging changes
From 1 October 2026, Australian businesses will not be permitted to apply card payment surcharges on eftpos cards.
Visit cardsurcharge.com.au to learn more.
Committed to security
eftpos is committed to giving everyone in Australia a safe, reliable way to pay. With a robust focus on innovation and security, eftpos prioritises trust and safety to ensure merchants and consumers are protected in every transaction, and disruption is minimised.
Fraud prevention
eftpos uses leading edge technology to protect merchants and cardholders from fraud, and accelerate detection and resolution.
Tokenisation services
eftpos leverages tokenisation technology to enhance security and streamline mobile, ecommerce, and in-store transactions – this removes the exposure and need for merchants to store card details.
PCI DSS compliance
eftpos adheres to the stringent requirements of Payment Card Industry Data Security Standards (PCI DSS) to ensure every transaction is secure and processed in a safe environment.
Strong customer authentication
eftpos is committed to protecting businesses and consumers from fraud and reducing disputes. Online merchants can request customers to authenticate themselves with EMV® 3DS prior to transaction processing.
In-store transactions
Consumers can pay securely in-store using contactless, chip and PIN technology, or tokenised mobile wallets.
Stand-in processing
eftpos offers stand-in processing (STIP) capability that can authorise and process payments if the cardholder’s bank is unreachable, minimising disruptions to businesses and consumers.
eftpos vs EFTPOS: What’s the difference?
eftpos is Australia’s local debit card network, available on over 70 million debit cards and securely processing payments behind the scenes.
EFTPOS stands for Electronic Funds Transfer at Point of Sale and refers to the terminal or machine used to take payments.
Members and partners
Collaboration is at the heart of everything eftpos does. By leveraging robust technology and working closely with Members and partners, eftpos ensures a safe and seamless payment experience for businesses and their customers. eftpos is proud to collaborate with some of Australia’s leading brands to provide new and exciting payment solutions.
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eftpos for businesses
eftpos is suitable for businesses of all sizes. Explore how eftpos can work for you.
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.
EMV® is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. The EMV trademark is owned by EMVCo, LLC.
Latest eftpos
updates
AP+ acknowledges the Gadigal People of the Eora nation as the Traditional Custodians of the lands on which we are based and pay our respects to Elders past, present and emerging. We recognise all Aboriginal and Torres Strait Islander peoples' ongoing connection to the lands and waters of Australia and thank them for their pivotal role in caring for Country. Always was and always will be Aboriginal Land.
View our Reconciliation Action Plan (PDF)
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