For consumers

eftpos for consumers

eftpos is Australia's trusted debit card network. eftpos is supported in most debit cards in Australia wherever the eftpos logo appears (typically on the 'back of card'), enabling consumers to pay in-store, online, or on-the-go. eftpos is committed to convenient, secure, and reliable payments, and helping consumers stay on top of their money.

An easy way to pay
An easy way to pay

With eftpos, consumers can use their own money for everyday purchases, plus get real-time balances in their online banking – making it easy to stay on top of their money.

Widely accepted across Australia
Widely accepted across Australia

eftpos is available on most Australian debit cards and prepaid cards, and is widely accepted across Australia.

250827_eftpos_Website Icons_Trusted Australian Network
Trusted Australian network

Transactions on eftpos are processed locally, ensuring transactions are secure, and consumers can benefit from eftpos’ fraud protection features. This includes PIN, online authentication and disputes and chargeback rights, so they can always shop with confidence.

Did you know?

Wherever the eftpos logo appears on a debit card or digital wallet, payments may be processed through eftpos. This is because merchants can now choose the card network their transactions are processed through (unless a consumer has opted otherwise), so transactions may be reflected in real-time in consumers’ online banking.

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Pay on the go with your digital wallet

eftpos is supported in popular digital wallets, giving debit cardholders the benefit of security and convenience. Payments made using a digital wallet are tokenised which replaces real card details (like card numbers) with a digital token that can be used for transactions. This token is useless if stolen as sensitive card details are never shared.

Some digital wallets may allow consumers to choose the preferred network. If this is enabled and a consumer is with a participating bank, they can simply add their debit card to a digital wallet, and choose eftpos as the default payment method before tapping to pay.

Smart ways to pay

Apple-Pay
Get real-time balances with every transaction, helping you stay on top of your spending.
Samsung-Pay
Make secure payments by simply swiping up and keep track of your finances with real-time balances.
Google-Pay
Gives you secure access to your own money in real-time, and it can even help you avoid surcharges.

Jump to

eftpos for businesses

eftpos is suitable for businesses of all sizes. Explore how eftpos can work for you.

Support on digital wallets

Go to our FAQs for more information on Apple Pay, Samsung Pay, and Google Pay.

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.

Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries and regions.
Google Pay is a trademark of Google LLC.
Samsung Pay is a trademark or registered trademark of Samsung Electronics Co., Ltd.

Latest eftpos
updates

Australian Payments Plus (AP+) has announced a 22% drop in wholesale fees for the domestic eftpos network which took effect (read more)
8 May 2025
Australian Payments Plus (AP+) has worked with Google to roll out eftpos functionality and Least Cost Routing (LCR) on transactions (read more)
6 March 2025
Australian Payments Plus (AP+) has made good progress on its technical update to debit cards on mobile wallets. The update (read more)
30 December 2024
Australian Payments Plus (AP+) is rolling out a technical update to some debit cards on mobile wallets to ensure consumers (read more)
18 December 2024
​Australian Payments Plus (AP+) is pleased to announce the rollout of Merchant Choice Routing (MCR) on transactions made via mobile (read more)
26 September 2024
Australian Payments Plus (AP+) today announced J.P. Morgan Payments, a part of leading global financial services firm JPMorganChase has joined (read more)
25 July 2024
Australian Payments Plus (AP+) today announced global financial services technology leader Worldpay from FIS® (NYSE: FIS), has joined Australia’s domestic (read more)
6 July 2023
Australian Payments Plus (AP+ for short) is pleased to announce that Tap to Pay on iPhone will work with the (read more)
17 May 2023
Beem to develop the first QR payments platform for the leading retailer Today, Australian Payments Plus (AP+) is pleased to (read more)
8 March 2023
Australia’s debit card system, eftpos, is continuing its rollout of secure online payments options at a pace, today announcing the (read more)
2 July 2022
Two Subway® locations have become the first major Australian quick-service restaurants to serve-up eftpos QR code payments ahead of its (read more)
18 May 2022
Australia’s debit card system, eftpos, is continuing its rollout of secure online payments options at a pace, today announcing the (read more)
7 February 2022
Lynn Kraus appointed to lead the merged group of BPAY, eftpos and NPPA Australian Payments Plus is pleased to announce (read more)
22 December 2021
The ACCC has authorised the amalgamation of BPAY Group, eftpos and NPPA to form Australian Payments Plus The three entities (read more)
9 September 2021
We welcome and support the ACCC’s ongoing consultation regarding the proposed merger of BPAY, eftpos and New Payments Platform Australia (read more)
8 August 2021
The Payments Industry Committee (“the Applicants”) has formally responded to the ACCC’s preliminary views regarding the proposed merger of eftpos, (read more)
7 July 2021
To create a more efficient and agile Australian payments group to deliver new payments innovations faster for the benefit of (read more)
23 March 2021
eftpos, BPAY Group and NPPA to be preserved as distinct operations under a single Board with a shared roadmap for (read more)
15 December 2020
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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

©2025 Australian Payments Plus. ABN: 19 649 744 203  All rights reserved

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