Pay the Lowest rate with Low Cost EFTPOS

Make your EFTPOS predictable and easy to manage, with one fixed percentage rate across all card and transaction types.

No Surprises. No Stress. Simple!

Get Low Cost EFTPOS and enjoy one low fixed percentage rate for all standard card types and MOTO. 

Simple, predicable low merchant fees

Pay the same flat percentage rate for every transaction, no matter how your customer pays.

Get paid in full, fast

Speedy settlement to your chosen bank account

Speedy 24/7 support

Need help with your EFTPOS at 2am? Our experts are here for you 24/7

Simple set-up

Quick application process. Easy plug-and-play set-up
Smartpay Android Terminal angled to right

Shift4 Low Cost EFTPOS Includes:

How It Works

01
Get a single tailored rate for every stardard card type and MOTO - you’ll pay the same low percentage rate across it all!
02
Say goodbye to grappling with interchange or scheme fees for every card and trying to decipher confusing statements. You’ll easily know what your EFTPOS fees will be.
03
Need help? Get 24/7 ANZ-based customer support from our team of experts, ready to lend a hand around the clock.

Check Out Our Customer Success Stories

Why Businesses Are Switching to Shift4

Choosing the right EFTPOS provider isn't just about the transaction rate. Here's how Shift4 delivers more for your business.
Other EFTPOS Providers
Shift4 Low Cost EFTPOS
Low, Fixed % for all Standard Card Types and MOTO
No Set up Fees
Free 4G Multi-Network SIM & WiFi Connectivity
24/7 Locally Based Support
Insights and Reporting Business Hub
No Lock-in Contracts

Low Cost EFTPOS FAQs

Most banks and other EFTPOS providers charge you fees based on the type of card your customer uses to pay (international cards and premium cards cost you more!). Rather than paying different rates for different cards, Low Cost EFTPOS means you pay one low rate for every card and transaction type. This means you’ll know what you’ll pay each month.

One simple, flat percentage rate across all processed card types. AMEX can be added to your terminal but isn’t included in the flat rate.

It’s a fixed percentage for all credit, debit, and EFTPOS card transactions.

This rate is calculated for each individual business, ensuring you get the best deal possible. Get started now to find out your rate.

Tap & Pay payments attract the same rate as cards that are inserted and require the customer to enter a PIN.

Any business can apply for Low Cost EFTPOS. A minimum monthly fee of $100 + GST applies. If your merchant service fees for the month are less than this amount, then you will be billed the difference. Please refer to our Standard T&Cs for more details.

 

There is no penalty for growing your sales – we won’t charge you a higher rate for a better-than-expected turnover. However, if your expected turnover doesn’t match the quote provided we can work together to update your rate, ensuring you get the best rate possible.

No. There is no minimum term for Low Cost EFTPOS

Your earnings are settled into your account the next business day. This means we settle Monday, Tuesday, Wednesday and Thursday transactions the next day. Friday, Saturday and Sunday transactions are settled on Monday. The funds are available to you depending on your bank’s processing. Public holidays settlement will be deposited on the next business day.

You have the freedom to choose any Australian business bank account for your settlement when you pick Shift4 for your EFTPOS.

You will receive a lightweight, portable Android terminal that can connect via a 4G Sim Card (provided by Shift4), Wi-Fi or broadband. It can support free add-on functions like Tap n Go, Tipping, Mail Order/Telephone Order (MOTO) and is fully compatible with Apple Pay, Google Pay and Samsung Pay.

  • Once your application is approved, we’ll send your terminal within 5-9 business days.

Yes. However, paper rolls are charged at the lowest cost possible, with an included fixed-rate delivery fee. You can also turn off printing receipts.

Our 24/7 local customer support is here to help! Simply call 1800 574 999 and our team will help you. If you experience a problem with your terminal that can’t be resolved by our technical support team over the phone, we will courier you a replacement terminal at no cost.

No! Your Shift4 terminal will be upgraded automatically and free of charge.

*A minimum monthly fee of $100 + GST applies. If your merchant service fees for the month are less than this amount, then you will be billed the difference. Please refer to our Standard T&Cs for more details.

Get Started with Low Cost EFTPOS Pay

Every day, our Aussie Payment Specialists help businesses like yours switch to a payment solution tailored to their business. Let’s chat about your payment needs today.
© 2026 Smartpay Australia PTY LTD (ABN 79 120 473 823) trading as Shift4. Payment services are settled via our licensed partner, Cuscal Limited (AFSL 244116).
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