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.
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.
With Tap to Pay on iPhone, merchants can accept all types of in-person, contactless payments using an iPhone.
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 terminals, readers, or hardware are needed to start accepting contactless payments using an iPhone.
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.
To start using Tap to Pay on iPhone, talk to your banking partner, or payment service provider.
With Tap to Pay on Android solutions, merchants can accept in-person, contactless payments from cards and digital wallets using a compatible Android device.
Simply download the payment app and set up on a compatible Android device (phone or tablet).
Empowered by NFC technologies, there’s no need for additional hardware or payment terminals.
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.
To start using Tap to Pay on Android, talk to your banking partner, or payment service provider.
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 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).
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.
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.
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.
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.
Find out more about paying with a mobile wallet including Apple Pay, Google Pay, or Samsung Pay.
Check out our FAQs for common questions asked by businesses and consumers.
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
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.
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