Support

To access the eftpos brand guidelines, brandmarks, trade marks, and marketing material, please head to the eftpos brand portal.

 

If you have a query about branding or trade marks, or need to submit material for review,  please contact [email protected].

eftpos apps and API keys are now available on the AP+ developer portal at developers.auspayplus.com.au. If you need support, please contact [email protected]

When a consumer pays with a multi-network debit (MND) card, the transaction can be processed on either eftpos or an international card network. Most merchants can enable Merchant Choice Routing (MCR), which allows transactions to be routed through their preferred network. This is typically on the lower cost debit network (also known as Least-cost Routing or LCR).  
 
If MCR is not enabled, the transaction is processed on the default card network, which may be more expensive for the merchant. Additionally, if a consumer explicitly selects an account (such as SAV or CHQ on a terminal), or card network (which is available in some digital wallets), the consumer’s choice overrides the merchant’s routing preference.  
 
To get started with MCR or for more information, contact your banking partner, payment service provider, or AP+ relationship manager.

Merchant Choice Routing or MCR can help reduce the cost for businesses to accept debit card payments, by allowing them to send transactions through the lowest cost network. With debit card usage in Australia now representing over 75%¹ of all card payments, MCR can help businesses manage their costs. From a merchant perspective, there are no changes to settlement processes or merchant protections. You can find more info here. 
 
1. Retail Payments statistics, RBA December quarter 2024 ↩︎

Many debit cards in Australia are multi-network debit (MND) cards, so they can be used to make transactions through eftpos, or an international card network. A consumer can see if their debit card is multi-network enabled if there’s an eftpos logo on the ‘back-of-card’ and typically an international card network on the ‘front-of-card’. MND cards are sometimes referred to as dual-network debit cards or co-badged debit cards.

To get started with MCR or for more information, contact your banking partner, payment service provider, or AP+ relationship manager.

To implement MCR, below are suggested questions to ask: 

Potential savings will vary depending on your situation, and the terms you’ve agreed on with your banking partner, or payment service provider that enables your card payments.

Yes. For eftpos transactions, chargeback rights cover the full range of losses required by the  ePayments Code.

According to the RBA, 75% of merchants² across Australia already have MCR successfully up and running, with no discernible difference in how things operate for merchants or customers (apart from the benefits). 
 
2. Update on availability and enablement of least-cost routing for merchants, RBA December 2024 (published March 2025) ↩︎

Currently MCR only applies to multi-network debit cards in Australia – so the savings don’t apply to credit card transactions.

The Reserve Bank of Australia (RBA) refer to Merchant Choice Routing as Least-cost Routing (LCR), and they have been strongly encouraging the provision of MCR to merchants since 2017. They believe that MCR can directly reduce card payment costs for merchants while also increasing the competitive pressure on debit networks and putting downward pressure on payment acceptance costs across the economy.³ You can learn more about this here.

 

3. Review of Merchant Card Payment Costs and Surcharging Consultation Paper (page 61), RBA July 2025 ↩︎

No, they won’t. While insurances on debit cards are very rare, currently available information suggests they are offered at an account level rather than a network level. That means consumers should still be eligible for insurance benefits offered on multi-network debit cards.

When a business or merchant chooses MCR, it doesn’t affect a customer’s checkout experience, the price paid by the consumer for the goods or services, or the customer’s rights (if any) to a refund or return under Australian Consumer Law. The transaction is deducted from the same account no matter which network is selected, and the terms and conditions regarding use of the customer’s card are set out in the customer’s agreement with the card provider. If a transaction is processed through eftpos via MCR, the customer's account is updated in real-time in their online banking.

From 1 October 2026, Australian businesses will no longer be permitted to apply card payment surcharges on designated card networks, including eftpos, unless expressly permitted by applicable law. This change is being introduced by designated card networks in line with policy reforms announced by the Reserve Bank of Australia (RBA). These changes apply to card payments made by consumers and businesses.  

A card payment surcharge is any fee, charge or amount applied by a business because a customer has elected to pay by card. The no-surcharging changes apply to card payment surcharges on eftpos and other designated card networks, for all in-store, online and digital transactions, including when they are completed by using cards in mobile wallets. They also apply to card payments made by businesses to other businesses.

Blended or single-rate pricing can make things simpler for businesses, but it can also reduce visibility of underlying costs and limit the benefit of choosing lower-cost routing options. Ensuring businesses can access and benefit from lower-cost networks remains important. 

If you are unsure whether merchant choice routing (MCR) has been enabled for your business, please speak with your bank or payment service provider.  

You can access more information on our website, including: 

Unless permitted by applicable law or regulation, businesses should no longer apply surcharges for card payments on designated card networks, including eftpos, after 1 October 2026. Businesses that continue to do so may be contacted by their bank or payment service provider to remove non-permitted surcharging and may be subject to penalties. 
 
If you have applied a surcharge or a customer believes you have incorrectly done so, you may be requested to clarify and refund the surcharge amount. Businesses should be prepared to manage customer queries and ensure surcharges are not applied to future card payments

New no-surcharge changes for cards shifts how payment costs can be recovered by businesses, rather than removing them altogether. That’s why it is important for Australian businesses to have access to low-cost payment options and tools like least-cost routing, which allow them to minimise the cost of accepting debit payments.   
 
Businesses are encouraged to review their payments setup and speak to their bank or payment service providers to ensure they are getting the most value out of their setup.  
 
You can access more information on our website, including: 

To find out more, we encourage you to visit: 

Click to Pay is an online checkout experience that allows consumers to make fast, convenient and secure purchases from any device, without manually entering card details. eftpos Click to Pay is built based on EMV® Secure Removte Commerce (SRC) specifications, and is a global standard for secure online payments.  
 
In a world-first for online multi-network debit card payments, eftpos Click to Pay combines the seamless, secure online checkout experience customers expect, with the added benefit of Merchant Choice Routing (MCR). This gives merchants the benefit of automated routing to the most cost-effective payment network through MCR, helping to reduce the cost for businesses to accept debit card payments.

To get started with eftpos Click to Pay or for more information, contact your banking partner, payment service provider, or AP+ relationship manager.

With eftpos Click to Pay, merchants can opt-in to Merchant Choice Routing or MCR, which allows you to send transactions through the lower cost debit network to help reduce the cost of accepting debit card payments. If a business doesn’t select a preferred network, the transaction is processed on the default network, which may be more costly.  
 
eftpos Click to Pay supports a common integration, helping to simplify the online checkout process for customers, whilst maximising conversion rates for merchants.

Click to Pay offers a streamlined and consistent customer experience, regardless of the payment card, digital channel or device used. Consumers are enrolled in Click to Pay via participating payment card issuers, and once enrolled, a consumer can pay online wherever they see the Click to Pay icon with one-click, removing the need to manually enter card details.

eftpos Click to Pay is built based on EMV® Secure Remote Commerce (SRC) specifications and is a global standard for secure online payments, so consumers can expect comparable security and convenience to in-store purchases. In addition, eftpos Click to Pay leverages tokenisation technology which replaces sensitive information (like card numbers) with a digital token – this removes the exposure and need for merchants to store card details.

For merchant support, contact your banking partner or payment service provider.

For Tap to Pay on iPhone, eftpos Merchant Choice Routing is supported by default on Apple's TTPOI SDK. Payment services providers, banking partners and merchants will decide to enable or disable MCR according to their business requirements.

eftpos approved Tap to Pay on iPhone Kernel/SDK product for payment services providers and banking partners to integrate to their own payment app (L3): 

Tap to Pay on iOS kernel: Apple has certified the Tap to Pay on iPhone kernel on iOS.

 

For Tap to Pay on Android, eftpos Merchant Choice Routing is highly recommended and widely supported. Payment services providers, banking partners and merchants will decide to enable or disable MCR according to their business requirements.

eftpos approved Tap to Pay on Android Kernel/SDK product for payment services providers and banking partners to integrate to their own payment app (L3): 
 
Until June 2023, Tap to Pay on Android Kernel: Digitsecure, Soft space, Square, MyPINpad have certified their mPOS – Tap to Pay.

 

Devices approved for use by the Issuers and Acquirers Community and supporting documentation. 
View the list 
 
Bank Identification Number (BIN) list 
Used to identify cards that have eftpos functionality and understand the cost of acceptance. 
Last updated 18 May 2026. 
Download
 
eftpos also has an API enabling members and services providers to automatically download the BIN tables into their systems – to find out more visit the AP+ developer portal.
 
Interchange fee schedule 
Last updated 1 May 2025. 
View 

 

The eftpos Hub is a central place where all eftpos transactions are processed, no matter where they’re made across Australia. It’s designed to handle all sorts of eftpos payments, including online, contactless and mobile payments – and even ATM transactions. The eftpos Hub maintains high availability while also conducting regular releases, changes and processing millions of transactions every day.

Before the eftpos Hub was created, these transactions were processed via a network of complex bilateral links between financial institutions and merchants. By replacing this network with a single hub, we’ve made it much easier and quicker to upgrade the network and add new capabilities. With the eftpos Hub, it’s much easier for Members to make any system changes needed (such as products upgrades), as these can now be done once via a single eftpos Hub link – rather than with multiple changes on numerous bilateral links.

Need any additional eftpos resources or support? AP+ Payment Operations is here to help. Please contact [email protected]

The eftpos Hub can give organisations an efficient, centralised, low-cost solution for ATM processing. If you’re interested in taking advantage of this, please contact [email protected].

The eSS is a system that allows all of a Member’s eftpos transactions to be processed in one central place: the eftpos Hub. It has been designed to make the payment settlement process easy and efficient – especially when Members are managing industry change. 

eftpos determines the multilateral net settlement obligation for each Member, and initiates the settlement of those obligations through instructions to the Reserve Bank of Australia’s (RBA) Information and Transfer System (RITS). In doing so, it allows all inter-bank transactions to be settled easily and simply.

Essentially, it removes legal complexities from the settlement process, driving efficiencies across Members’ internal business operations. 

All foundation and most new eftpos Members are now using the eSS to process their eftpos CHQ and SAV transactions.

eSS also manages the movement of funds for closed disputed transactions, streamlining the process for dispute management.

Need any additional resources or support? AP+ Payment Operations is here to help. Please contact [email protected] 

You’ll need a mobile device that is enabled with a digital wallet, and your bank will need to be signed up with the right method for your device (for example, Apple Pay if you have an iPhone). You’ll then need to connect a debit card to your digital wallet. The good news is that the vast majority of Australian banks and financial institutions are now offering Apple Pay, Samsung Pay, and Google Pay.

If your debit card has an eftpos logo, payments made with your digital wallet may be routed through eftpos. This is because merchants can now choose the card network their transactions are processed through (unless you’ve opted otherwise), so transactions may be reflected in real-time in your online banking.

 

Some digital wallets may allow you to choose the preferred network. If this is enabled and you’re with a participating bank, simply add your debit card to your digital wallet, and choose eftpos as your default payment method before you tap. 

Very! That’s because payments made using a digital wallet are tokenised, which replaces sensitive data like your card numbers with a digital token. This token can be used for transactions but is useless if stolen, protecting sensitive card data. So you can be confident your card details are never shared. 

You can disable mobile payments, without needing to cancel your physical cards. 
  
For more info on what to do if your Apple device is lost or stolen, visit the Apple support page. 
  
For missing Samsung devices, visit the Samsung support page.  
   
For missing Google devices, visit the Google Pay support page.

You can spend the same amount as you can using your debit card. This limit will be set by whoever issued your card. To find out more, get in touch with your bank or financial institution.

Find out more about using eftpos with Samsung Pay, as well as a full list of Samsung Pay providers in the Samsung Pay section. 
  
Find out more about using eftpos with Google Pay, as well as a full list of Google Pay providers in the Google Pay section. 
  
Find out more about using eftpos with Apple Pay, as well as a full list of Apple Pay® providers in the Apple Pay section.

Simply follow these steps to use your eligible debit card with Samsung Pay.

 

For Samsung Phone, launch the “Pay” application or download from the app store and follow the prompts.

Below are the financial institutions that offer an eftpos debit card for Samsung Pay.

Samsung Pay with eftpos is available on a range of devices – you can find the full list right here.

Open Samsung Pay, select your card, then select eftpos. If eftpos isn’t coming up as an option, you’ll need to remove your card and re-add it. Here’s what to do:

 

Adding your card to Google Pay takes just a few minutes – just download the app from Google Play or check to see if it’s already installed on your phone. Then, open the app and follow the instructions.

Google Pay works anywhere you see a contactless payment symbol at checkout. Just wake the display on your phone and hold it near the terminal. You don’t even need to open the app.

On my iPhone:

On Apple Watch:

Apple Pay with eftpos is available on iPhone and Apple Watch. You can find more info here and here.

You use Apple Pay anywhere contactless payments are accepted, using your iPhone or Apple Watch. You’ll need to authenticate your purchase with Face ID, Touch ID or your device passcode. You can find more info on using Apple Pay here.

Just follow these simple steps (and if you need more info, you can find it right here).

 

To use Face ID on iPhone:

To use Touch ID on iPhone:

To use Apple Watch:

Apple Pay was designed with security and privacy in mind. When using eftpos on Apple Pay, the actual card numbers are not stored on the device or Apple servers. Instead, a unique Device Account Number is assigned, encrypted and stored in the Secure Element on your device. This means no one ever sees your personal info. For more info on Apple Pay security and privacy, visit the Apple website.

A dispute is when you want to challenge an eftpos transaction – usually when you don’t think you’ve been fairly charged. For example, you might want to raise a dispute if:

 

Disputes are also referred to as ‘chargebacks’ – the terms are used interchangeably.

Your first port of call is your bank (whoever issued the card connected to the transaction). You will have a certain number of days from the date of the transaction to raise the dispute, so do this as soon as you become aware of a potential issue.

A payment surcharge is any fee, amount or charge applied by a business because a customer pays by card. The changes apply to card payment surcharges on designated card networks, including eftpos cards, for all in-store, online and digital transactions, including when they are completed by using cards in mobile wallets. 
 

From 1 October 2026, businesses in Australia will no longer be permitted to apply card payment surcharges on designated card networks, including eftpos, unless expressly permitted by applicable law or regulation. For example, payment surcharges in taxis are subject to regulation by state and territory regulators.  
 
Consumers can expect simpler and clearer checkout pricing with no separate surcharge for card payments. Displayed prices for goods and services should be closer to the final price at checkout. 

Yes, this will affect both in-store and online payments that are made by card or digital wallets. 

Businesses may continue to apply a card surcharge until 30 September 2026. However, from 1 October 2026, if you notice a card surcharge has been applied, you should ask the business to clarify prior to making payment where possible, as the surcharge may be permitted under applicable law or applied in error.

If you believe a surcharge has been incorrectly applied because you intend to pay by card, you should request for it to be removed or consider making the purchase with an alternative payment method.

Businesses may continue to apply a card surcharge until 30 September 2026. However, from 1 October, if you believe you have been incorrectly surcharged, you should first try to contact the business and request clarification. The surcharge may be permitted under applicable law or applied in error.

If you believe, a surcharge has been incorrectly applied because you paid by card, ask the business to clarify and, if applicable, provide a refund.

No, you can continue to use your debit card as usual, including in digital wallets. 

eftpos Click to Pay is an online checkout experience that allows consumers to make fast, convenient and secure purchases from any device, without manually entering card details.  
 
If your debit card has an eftpos logo (typically shown on the ‘back of card’), Click to Pay payments you make may be processed through eftpos. This is because merchants can now choose the card network their transactions are processed through, so transactions may be reflected in real-time in consumers’ online banking.

Consumers can check out with eftpos Click to Pay at participating merchants, wherever you see the Click to Pay icon and eftpos brandmark.

For added security, you may receive an eftpos Secure (EMV 3DS) prompt that requires your authentication. This helps to ensure the security of the purchase and protect your card against checkout unauthorised use.

For added security, a one-time code may be sent in some instances to your phone/email to verify your identity.

The one-time code may have been entered incorrectly or has expired, try logging in again.

eftpos Click to Pay is built based on EMV® Secure Remote Commerce (SRC) specifications and is a global standard for secure online payments, so consumers can expect comparable security and convenience to in-store purchases. In addition, eftpos Click to Pay leverages tokenisation technology which replaces sensitive information (like card numbers) with a digital token. This token can be used for transactions but is useless if stolen, protecting sensitive card data, and helps to reduce the risk of fraud.

You may not need to do a thing as your bank may automatically enrol you and your eligible cards into Click to Pay, which will include eftpos if your debit card has an eftpos logo (typically shown on the ‘back of card’). Otherwise, you may be able to set up your Click to Pay profile in your online banking.

If you have a multi-network debit (MND) card with an eftpos logo (typically shown on the ‘back of card’), this is eligible for linking to eftpos Click to Pay, and payments you make may be processed through eftpos.

Participating banks may allow you to manage your Click to Pay profile in your online banking. This includes adding/removing linked cards in your Click to Pay profile and deleting your eftpos Click to Pay profile. If this option isn’t available in your online banking, contact your bank or financial institution to find out how you can manage your profile.

For support, contact your bank or financial institution.

For support about a purchase including, disputes, returns and refunds, contact your bank or financial institution.

The eftpos Click to Pay session will expire if the browser window is closed or after a period of inactivity. If this happens, you will need to start your session again and select to pay with eftpos Click to Pay.