Smartpay EFTPOS terminal
Why choose Smartpay Australia's merchant facilities?
Simple, honest pricing
Two simple charging options for you to choose between, with no hidden charges.
Portable and versatile
Accept a range of payment methods, with the simplicity of one device.
Speedy settlement
Get paid the next business day into your BCU Business Access Account.
24/7 tech support
Get help when you need it. Smartpay technical experts are available all day, every day.
Charging options to suit both you and your customers
Option 1: Zero Cost EFTPOS
Keep every dollar from your sale with no merchant fees and automatic surcharge calculation.
- Unlimited fee-free transactions.
- No admin or guesswork with automatic surcharge calculation.
- Free terminal rental when $10,000 or more is processed each month.
- Ability to absorb surcharges or customise which cards have surcharges applied.
Option 2: Simple Flat Rate
Enjoy a flat rate for all Visa and Mastercard transactions, so you can skip the complicated maths.
- Predict your merchant fees with a fixed rate for Visa, Mastercard, Alipay, WeChat Pay and AMEX.
- EFTPOS transactions charged one flat fee.
- No penalty rates charged for processing more transactions and growing your sales.
- No confusing statements.
See important information below for further details.
Plug and play
Loads of options at your fingertips with just one device.
You'll be able to process payments on the move without paying additional telco fees thanks to the in-built 4G SIM, or you can use the terminal as a compact countertop solution with the flexibility to take the payments to your customers. Visa, Mastercard, EFTPOS and even China's popular mobile payment methods Alipay and WeChat Pay are all accepted, and customers are able to make contactless payments with both their cards or smart devices.
There's no lock-in contracts and the $90+GST set up fee is waived on joining and only needs to be paid if you leave before 12 months. To make things even easier, your terminal can be used with the included 4G SIM or can be set up with your Wi-Fi or broadband connection in a few simple steps.
The option to add these features for free:
- Cash out
Let customers take cash out of their debit account when making payments. - AMEX
AMEX can be added to your terminal if you have an AMEX merchant ID. - Mail Order/Telephone Order (MOTO)
Process a sale even when the customer's not around. - Tipping
Let customers include a tip with their purchase. - Chinese mobile payments
Accept payments from Alipay and WeChat Pay. - Refunds
Process refunds easily to a customer's card.
Got a question about Smartpay?
If you would like to register your interest in ordering a SmartPay terminal for your business, please call us on 1300 228 228 during business hours or via secure mail in internet banking.
We will contact you to arrange an appointment to discuss your merchant needs and charging options. We will assist you in completing your application and submit this to Smartpay. Smartpay will assess your application and provide a response within 2 business days. If they need more information, we will be in contact.
Once approved, your terminal is issued straight away and takes around 5-7 business days to arrive.
Everything you need to get started will be box and set up takes a few minutes.
Switch on the terminal by pressing the X CANCEL button for 3 seconds.
Check the terminal has full battery by looking at the battery icon in the top right corner of the display screen. If you need to charge your terminal, use the power cable suppled in your box or a base station if you have added this to your order.
Your terminal is already connected to the internet via the 3G SIM card.
Check the receipt roll is correctly seated in the printer well. If you need to load a paper roll, ensure the paper is feeding up from underneath the roll and close the lid firmly leaving a tongue of paper sticking out above the cutting blade.
You are now ready to start taking payments!
Most banks and EFTPOS providers charge you fees based on the type of card your customer pays with. Rather than paying different rates for different cards, Smartpay can give you certainty by charging a fixed percentage rate for Visa and Mastercard transactions and a fixed fee amount for EFTPOS transactions. This means you’ll always know what you’ll pay each month. AMEX transactions can be processed, however aren’t included in the flat rate.
If at any time you would like to change to a different charging type, contact Smartpay on 1800 433 876 to discuss.
Contact Smartpay’s support line on 1800 433 876 between 9am and 5pm AEST for any enquiries in relation to your account, transactions, billing and settlement.
Important information
Banking and Credit products issued by Police & Nurses Limited (BCU Bank).
Any information on this website is general in nature and does not consider your personal needs, objectives or financial situation. Our rates are current as of today and can change at any time. Credit eligibility criteria, terms and conditions, fees and charges apply.
Terms and conditions apply. Approval is provided by Smartpay Australia and is subject to their assessment criteria.
Zero Cost EFTPOS is available for merchants who process a minimum of $10,000 in card transactions every month. Merchants who do not meet the minimum transaction criteria may be approved for a terminal, however will be charged a terminal rental in the months where they do not process a minimum of $10,000 in card transactions. Transaction fees will be passed on to the merchant’s customers via a surcharge which will be disclosed on the terminal screen before payment. Some payment types are not available for surcharging including Alipay and WeChat Pay.
MOTO payments are subject to transaction limits and require a separate agreement with Merchant Warrior. Merchant Warrior will assess the application and provide approval. AMEX requires an agreement with AMEX directly. MOTO, AMEX, AliPay and WeChat Pay settlements are processed separately and on different timeframes to Smartpay settlements.