Compare EFTPOS machines for Small Business

	EFTPOS Air mobile app Learn more Learn more Learn more	EFTPOS Now Learn more Enquire Enquire	EFTPOS Now with Presto Learn more Enquire Enquire


Integrates with POS	No, however, EFTPOS app with built-in POS features for compatible phones and tablets.	Optional with the Presto app available to integrate with your eligible point of sale system².	Yes
	An app that allows you to take payments on your compatible phone or tablet.	Terminal that can be used at the counter, at tables, and when mobile. POS integration also available via the Presto app.²	Terminal that integrates wirelessly with a wide range¹of popular point of sale systems².
What is this
Chosen by	Mobile businesses such as trades, food wagons, coffee carts and market stalls Cafes and shops with simpler payment needs Businesses wanting a back-up device for busy days and system failures.	Restaurants Cafes Shops Professional service providers Food trucks Tradespeople.	Restaurants Cafes Retail stores.
Features
Key features	EFTPOS app for compatible phones or tablets Simple set up and easy to use Take payments anytime, anywhere No additional hardware or lock-in contracts 24/7 local support Built-in POS features.	Email receipts, tipping, refunds and cash out Pre-authorisation and split billing Presto app available to integrate your eligible point of sale system and simplify reconciliation LitePOS - a simple point of sale system Backup connectivity 24/7 local support Surcharging available for all types of payments Accessibility features Long-life battery Print / reprint receipts Online statements, transaction, and settlement reporting via Online Banking.	Tipping³, refunds and cash out Pre-authorisation, Pay@Table and split billing Backup connectivity 24/7 local support Surcharging available for insert and swipe payments only³ Fast payments and simple reconciliation Print / reprint receipts³. Online statements, transaction, and settlement reporting via Online Banking.
Instant settlement (daily into your account)⁴	Same day settlement	Yes	Yes
Connectivity options	4G 5G Wi-Fi.	4G Wi-Fi Ethernet.	Wi-Fi Ethernet 4G.
Payments methods accepted	Apple Pay Google Pay^TM Samsung Pay Visa Mastercard® eftpos.	Apple Pay Google Pay^TM Samsung Pay Visa Mastercard® eftpos UnionPay American Express®⁵ JCB Fitbit Pay Garmin Pay.	Apple Pay Google Pay^TM Samsung Pay Visa Mastercard® eftpos UnionPay American Express®⁵ JCB Fitbit Pay Garmin Pay.
Cost
Transaction rate and monthly terminal fee	1.4% of eftpos, Mastercard and Visa transactions. $0 terminal fee (just use your own compatible iPhone or Android device).	1.2% of eftpos, Visa, Mastercard and UnionPay transactions⁶ + $24.75 monthly terminal fee. Different rates apply to other payment methods.	1.2% of eftpos, Visa, Mastercard and UnionPay transactions⁶ + $24.75 a monthly terminal fee. Different rates apply to other payment methods.

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Call us on 1800 029 749

(8am-8pm Sydney time, Mon-Fri).

Common questions about EFTPOS machines

What is the main difference between EFTPOS machines?

A key difference between EFTPOS machines is that some integrate with point of sale (POS) systems and some are standalone, meaning you manually key-in the amount to be paid. Westpac also offers the EFTPOS Air app, which allows payments to be taken on compatible phones and tablets⁷. The mobile app has built-in POS features included at no extra cost.

All our EFTPOS machines are simple, reliable, secure and easy to use. They offer instant settlement (to a Westpac business transaction account) for your daily business takings and 24/7 technical support. The EFTPOS Air app offers same day settlement.

So, whether your business accepts EFTPOS payments at the counter or on the move, we’ve got you covered.

What’s the best type of EFTPOS machine for a small business?

This will depend on your specific business needs. You may want an EFTPOS machine that integrates with your point of sale (POS) system, so you don’t need to manually key-in the amount to be paid. Alternatively, you may be happy with a standalone terminal that accepts EFTPOS payments at a fixed location, or has wireless portability for at-table payments.

Whatever EFTPOS machine you choose, make sure you do your research to find the payment solution that's suits your business. Here are 8 questions to consider when shopping for an EFTPOS machine.

What are some of the things I should think about when choosing an EFTPOS machine?

Decide if you want to integrate your EFTPOS with a point of sale (POS) system
Compare fees – you may wish to choose custom pricing where the fees may be tailored for your business
Think about ease of use and simplicity of training
Check for backup connectivity, which guards against network outages
Consider battery life
Check how long it will take for your takings to actually get into your bank account
Ask how long delivery and set-up takes and if there is a charge for both
Make sure your supplier offers adequate support that suits your business hours.

Disclaimers

Applications for merchant services are subject to approval. Terms and conditions and other fees and charges (PDF 105KB) apply. Full details are available on request.

You can find out if your POS is compatible with the Presto app.
The Point of Sale solutions are supplied by POS Providers, not us. We do not guarantee or endorse those products and any related services.
Subject to our approval. This functionality is POS dependent.
Westpac instant settlement functionality is not available between 9:30 pm and 11:00 pm - Sydney time. You can only perform a settlement once a day, before 9:30 pm (Sydney time). A settlement done after 11:00 will be processed as a settlement for the next day. Subject to system availability, settlement can take place 7 days a week. Settlement must be to an eligible Westpac transaction account. Instant Settlement functionality is not available on Corporate Online. Instant Settlement is only available for Mastercard®, Visa® and eftpos transactions (plus UnionPay if using EFTPOS Connect).
If you want to accept American Express or JCB payments, you'll need to call 1300 363 614 to enter into a separate merchant agreement with American Express or JCB.
Our 1.2% flat transaction rate applies to eftpos, Mastercard^®, Visa and UnionPay but not to American Express or JCB cards. A 1.4% EFTPOS Air flat rate applies to eftpos, Mastercard® and Visa payments only, by card or digital wallet.
Compatibility: To use EFTPOS Air your iPhone or Android device will need to be Near Field Communication (NFC) enabled and running on one of the supported iPhone Operating System (iOS) or Android Operating Systems (OS), listed at https://help.eftposair.westpac.com.au/compatibility/, which may change from time to time. 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.
This functionality is POS dependent
4G backup is not available for Linkly Cloud connectivity. Refer to EFTPOS Connect Quick Reference Guide (PDF 454KB) and User Guide (PDF 1MB) for details.
Surcharging is only available for POS vendors accredited with the Linkly Dynamic Surcharging feature. Linkly does not currently support JCB surcharging. For information about surcharging visit 'The rules for card payment surcharges.'

Bluetooth® is a registered trademark owned by Bluetooth SIG, Inc. and use of the mark by Westpac is under license.

UnionPay is a trademark of UnionPay International Co. Ltd.

Visa® is a registered trademark of Visa International Service Association.

Mastercard^® is a registered trademark of Mastercard International Incorporated.

American Express^® is a registered trademark of American Express.

Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co.

iPhone, iPad, iPod touch and Apple Watch are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a Service mark of Apple Inc.

Android, Google Play and the Google Play logo are trademarks of Google LLC.

Compare EFTPOS machines

EFTPOS Air mobile app

EFTPOS Now

EFTPOS Now with Presto

The smart terminal that grows with your business

Ready to get started?

Call us on 1800 029 749

Common questions about EFTPOS machines

Disclaimers