eftpos is Australia’s trusted debit card network, dedicated to cost-effective payments for businesses, and empowering merchants with insights and tools to better manage their business. eftpos recognises the pivotal role small businesses play in our economy, and offers tailored pricing and widespread acceptance.
Businesses that enable Merchant Choice Routing (MCR) save nearly 20% on debit transactions¹, helping to reduce the cost for businesses to accept debit card payments.
When it comes to accepting debit card payments, eftpos provides choice through Merchant Choice Routing (otherwise known as Least-cost Routing), and helps businesses save through competitive interchange rates and scheme fees.
eftpos is committed to supporting Australian small businesses, with tailored pricing to help them manage costs more effectively.
eftpos collaborates with partners across the payments ecosystem to deliver more value, widespread acceptance, and cost-efficient payment solutions for businesses in Australia.
Whether in-store, online, or on-the-go, eftpos can help businesses of all sizes accept payments seamlessly and securely.
Many debit cards in Australia are multi-network debit (MND) cards, and can be used to make contactless payments through eftpos, or an international card network. When a customer uses a MND card at an MCR-enabled business, the transaction can be processed on the merchant's preferred network.
eftpos offers Tap to Pay on mobile, enabling merchants to easily and securely accept contactless payments from debit cards, and digital wallets via an iPhone or Android device. That means there's no need for additional hardware or payment terminals.
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 recurring payments where a card is stored on file.
In a world-first for online debit card payments, eftpos Click to Pay is soon launching with integrated MCR. eftpos Click to Pay is an online checkout experience that allows consumers to make fast, convenient and secure purchases with no need to manually enter card details.
Small businesses are the backbone of the Australian economy. By offering cost-effective payment solutions and widespread acceptance channels, eftpos empowers small businesses to focus on growth and customer satisfaction while reducing operating expenses.
From 1 December 2024, eligible small businesses will benefit from reduced interchange fees:
This tailored pricing ensures small businesses can manage costs more effectively, regardless of how customers choose to pay.
Contact your banking partner, or payment service provider to learn how you can benefit from eftpos’ tailored pricing.
eftpos is suitable for businesses of all sizes. Explore how eftpos can work for you.
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.
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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