Compare EFTPOS machines for Small Business

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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.

Apple, the Apple logo, iPhone and iPad 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

The smart terminal that grows with your business

Ready to get started?

Call us on 1800 029 749

Common questions about EFTPOS machines

Disclaimers