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The Best EFTPOS Machine with Zero Fees and Fast Settlements
Choosing an EFTPOS machine shouldn’t be complicated. The right setup depends on your volume, cash flow, and how your business runs – not just the rate.
- Same-day Settlement
- No Rental Fees
- No Lock-in Contracts
Why pay for an EFTPOS machine when you don’t have to?
No upfront cost. No rental fees. Just a setup that works for your business
FREE
Zero Upfront Cost
How to Choose the Right EFTPOS Machine
Choosing the right EFTPOS setup goes beyond the upfront rate. What really matters is how it supports your daily operations and impacts your long-term costs.
Fees vs Real Cost
Low rates can be appealing, but extra charges, add-ons, and hidden fees can add up quickly. It’s important to look at the full cost, not just the headline number.
Rental vs Ownership
Some providers charge ongoing rental fees, while others offer more flexible options. Over time, this can significantly impact your total cost.
Settlement Speed Impact
How quickly you receive your funds affects your cash flow. Faster settlement can make a big difference in keeping your business running smoothly.
How Our EFTPOS Setup Solves This
Instead of navigating these trade-offs on your own, we help you set up an EFTPOS solution that removes the common pain points.
Transparent, competitive fees
Clear pricing with no hidden costs or unnecessary add-ons
Faster access to your funds
Same-day settlement to support steady cash flow
No rental fees
You get a FREE EFTPOS machine with no fees whatsoever
One Terminal. Every Payment Option
Customers expect flexible ways to pay, and this setup makes that easy. Everything runs through one all-in-one EFTPOS terminal – no extra devices, no complicated setup – just a simple way to accept payments however your customers prefer.
NFC Touch (Tap & go)
Fast, contactless, and frictionless. Customers can tap their card, phone, or smartwatch to complete a payment in seconds, perfect for busy environments where speed matters.
Insert (Chip & PIN)
For customers who prefer chip payments, the EFTPOS supports secure insert transactions with full PIN verification and encrypted processing.
Swipe
Process magnetic stripe card payments easily with fast, secure swipe functionality built into your EFTPOS machine.
Scan (QR Code)
Supports QR code scanning directly from the terminal, making it easy for customers who prefer digital wallet and app-based payments.
NFC Touch (Tap & Go)
Fast, contactless, and frictionless. Customers can tap their card, phone, or smartwatch to complete a payment in seconds, perfect for busy environments where speed matters.
Insert (Chip & PIN)
For customers who prefer chip payments, the terminal supports secure insert transactions with full PIN verification and encrypted processing.
Swipe
Traditional magnetic stripe payments are still supported, ensuring you never miss a sale – even with older cards.
Scan (QR Code)
Supports QR code scanning directly from the terminal, making it easy for customers who prefer digital wallet and app-based payments.
All-in-One EFTPOS + POS System
(Included at No Extra Cost)
Managing separate systems for payments and POS can be unnecessary. With everything built into one device, you can handle both from a single terminal, no extra subscriptions, no add-ons, just a simpler, more efficient way to run your operations.
Features
T+0 Settlement
Get faster access to your money with same-day settlement, helping improve cash flow and giving you more control over your day-to-day finances without unnecessary delays.
Seamless EFTPOS & POS Integration
Everything works together in one connected system, making it easier to manage payments and operations while keeping checkouts smooth, reducing errors, and simplifying your workflow.
App & Merchant Management
Manage your EFTPOS setup through the app or online platform, so you can track transactions, monitor activity, and stay in control of your business from anywhere.
Real-Time Analytics
Track sales, revenue trends, peak hours, and payment breakdowns from a single dashboard, with real-time insights across one or multiple locations to help you make better business decisions.
Downloadable Reports
Download statements, transaction records, and settlement summaries in one click. Search transactions, export reports, and retrieve past settlement emails with ease.
24/7 Real-Person Support
Get real human customer support 24/7, including weekends and public holidays. No chatbots, no long delays, just responsive assistance from people who understand payments and your business.
EFTPOS Terminal Specs – Built for Speed, Power & Performance
Explore the key specifications of this smart EFTPOS terminal, designed for fast, secure payments and reliable performance throughout the day.
🖥 Performance & Display
Built for Fast, Smooth EFTPOS Payments
- 5.99" full-colour touchscreen
- 1440 × 720 HD resolution
- 2GB RAM + 16GB storage
📶 Connectivity
Always Connected, Always Ready
- Supports 5G connectivity
- Wi-Fi enabled
- Stable wireless performance
🔋 Battery Power
Power That Keeps You Trading
- Up to 68-hour battery life
- 8 hours continuous use
- 390 hours standby
Is This EFTPOS Setup Right for You?
Not every EFTPOS setup suits every business. It depends on how you operate, how often you take payments, and what matters most to you day to day.
Good Fit If
- Likely a match
- You process regular card payments
- Cash flow timing is important to your business
- You prefer simple, predictable costs without surprises
- You want a solution that works regardless of your transaction volume
Not Ideal if
- Maybe not
- You don’t mind waiting several days to access your funds
- You’re comfortable with unclear or variable fees
- Ongoing rental costs aren’t a concern for you
- Your business exclusively operates on cash
EFTPOS Comparison: This Terminal vs Other Merchants
(Pricing, Costs & Fees Included)
Not all EFTPOS machines are built the same. Some prioritise low upfront costs but recover it through fees, while others focus on faster access to funds and simpler pricing
| Factors | Other EFTPOS Terminals | This EFTPOS Setup |
|---|---|---|
| EFTPOS Machine Cost | Often subsidised, then recovered through fees | $0 upfront* |
| Monthly Rental Fees | $20 - $50 per month is common | $0 rental fees* |
| Lock-In Contracts | 12–36 month contracts | No lock-in contracts |
| Transaction Fees | Often higher or blended | From 1.2% - 1.6% (surcharged) |
| Settlement Speed | Delayed settlement (T+1 or longer) | Same-day settlement (T+0) |
| Paper Roll Costs | $50 - $80 per box | Free paper rolls included |
| POS & Reporting Software | Paid add-ons or “premium” tiers | Included at no extra cost |
| Surcharging Support | Limited or complicated | Fully supported (optional) |
| Customer Support | Chatbots or limited hours | 24/7 real human support |
| Hidden Fees | Common and often buried in fine print | None |
| Total Cost of Ownership | Expensive over time | Low & predictable |
Why Not Just Go Directly to the Vendor?
Going directly to a merchant might seem like the obvious choice, but working through us gives you more clarity, guidance, and support from the start.
Going Direct
Limited Context
We help you choose a setup based on how your business actually operates.
Surface-Level Pricing
Rates are shown upfront, but the full cost structure isn’t always clear at first glance.
Do-It-Yourself Setup
You’re often left to handle setup and configuration on your own.
Standardised Support
Support is general, not tailored to your specific setup or business needs.
Working With Us
Guided Decision-Making
We help you choose a setup based on how your business actually operates.
Clear, Upfront Costs
You get a transparent breakdown so you understand the real cost from the start.
Assisted Setup
We guide you through setup so everything works as expected from day one.
Ongoing, Relevant Support
Support that’s aligned with your business — not just generic responses.
CASE STUDY
Switching from Another
EFTPOS Merchant
- Business type: Burgerlor Fast Foods
- Location: Melbourne, Australia
- Previous setup: EFTPOS provided by another merchant (name intentionally not disclosed)
- Business type: Burgerlot Fast Foods
- Location: Melbourne, Australia
- Previous setup: Undisclosed EFTPOS
The Problem
Delayed settlements, rising transaction fees, slow support, and mounting EFTPOS costs were cutting into margins. Worst of all, they felt locked into a system that wasn’t working for their business.
Why They Switched to This Terminal
They chose this EFTPOS machine for same-day settlement (T+0), transparent lower fees, and no rental or lock-in contracts. With optional surcharging, processing costs no longer ate into their profits.
Burgerlor Fast Foods
The biggest difference for us was cash flow. Getting paid the same day changed everything, especially over busy weekends, we always know when our money is coming in now.
We also didn’t realise how much we were overpaying before. The pricing is clear, and there’s no lock-in, which gives us a lot more flexibility.
We were hesitant to switch at first, but looking back, it was an easy decision, we just wish we had done it sooner.
Earn Virgin Velocity Points with This EFTPOS
Most businesses think EFTPOS is just a cost of doing business. With this EFTPOS, it doesn’t have to be.
When set up correctly, The EFTPOS allows eligible merchants to earn Virgin Australia Velocity Points on card transactions. Over time, those points can add up to real rewards, including flights.
How It Works
- Use a the terminal for everyday card payments
- Enable optional surcharging so your business doesn’t absorb processing fees.
- Earn Virgin Velocity Points on transactions
- Redeem points for flights, upgrades, or rewards
Why This Matters
Instead of EFTPOS being a pure expense:
- Fees can be passed on transparently
- Your margins stay protected
- Your payments can generate value back into the business
You’re processing payments anyway.
The terminal simply gives you more back for doing it.
If you want to know whether your business is eligible and how to set this up properly, we’ll walk you through it.
The right EFTPOS setup isn’t about choosing a provider - it’s about choosing what actually works for your business
Tell us a bit about your business and we’ll point you in the right direction — no pressure, no obligation
- Fast Setup
- No Rental Fees
- No Lock-in Contracts
Frequently Asked Questions About the EFTPOS Terminal
Below are the most common questions business owners ask about the EFTPOS, fees, setup, and suitability for small businesses – answered clearly and directly.
Why is this considered one of the best EFTPOS machines in Australia?
It comes down to simplicity, cost transparency, and how well it supports everyday business operations. With no upfront cost and no ongoing rental fees, businesses aren’t burdened with fixed expenses. Transaction fees can be passed on to the customer, meaning you’re not absorbing those costs yourself. Combined with fast access to funds and reliable support, it offers a practical, low-cost solution that fits how many Australian businesses operate.
How much does a the Best EFTPOS machine cost in Australia?
The EFTPOS machine comes at no upfront cost, with $0 rental fees. Transaction fees typically range from 1.2% to 1.6%, and these can be passed on to the customer, helping you keep your costs predictable.
Are there rental fees on your EFTPOS terminals?
No, Eligible businesses can access our EFTPOS terminal with no rental fees. This helps reduce ongoing operating costs compared to providers that charge monthly terminal rental fees.
Is this an affordable EFTPOS machine for small businesses?
Yes. the FTPOS machine is designed to be an affordable EFTPOS solution for small business, with competitive transaction fees, no lock-in contracts, and optional surcharging to protect margins.
What are the transaction fees for EFTPOS payments?
Transaction fees typically range from 1.2% to 1.6% per transaction. These fees can be passed on to the customer through surcharging, meaning the business doesn’t absorb the cost. This helps keep your operating expenses low and predictable.
How quickly are EFTPOS payments settled?
Funds are usually settled on the same day (T+0). This gives you faster access to your money, helping maintain healthy cash flow and making it easier to manage daily business operations.
What payment methods can this EFTPOS terminal accept?
The terminal accepts a wide range of payment methods, including:
- Contactless (tap-and-go) payments
- Chip & PIN (insert) payments
- Swipe payments
- QR code payments
- Major debit and credit cards
It works as a complete card payment terminal in one device, making it easy to accept payments however your customers prefer.
Does this EFTPOS terminal include a POS system?
Yes, the terminal includes an integrated POS system that can be easily installed via the app. This allows you to manage key parts of your business in one place, including:
- Inventory management
- Sales reporting
- Analytics
- Table management
- Multi-site management
- QR ordering
Everything works seamlessly within a single device, helping streamline both payments and day-to-day operations.
Is this EFTPOS machine suitable for small businesses in Australia?
Yes, it’s well suited for small businesses, including cafés, retail stores, salons, trades, startups, and mobile businesses. With simple pricing and fast access to funds, it’s a practical option for businesses that need to manage cash flow closely.
Can I enable surcharging on this EFTPOS machine?
Yes, surcharging is available as an option. This allows you to pass card processing costs on to customers in a compliant way, helping you maintain your margins without adding extra overhead.
Is this EFTPOS machine secure?
Yes. KPay is a secure, PCI-compliant EFTPOS terminal with encrypted payment processing to protect cardholder data and ensure compliance with industry standards.
What is the cheapest EFTPOS machine?
The cheapest EFTPOS machine isn’t just the one with the lowest upfront price — it’s the one with the lowest overall cost to run. Many providers offer low-cost terminals but charge monthly rental fees, hidden add-ons, or higher transaction rates.
A more cost-effective option is an EFTPOS setup with $0 upfront cost, no ongoing rental fees, and the ability to pass transaction fees to customers. This way, businesses can accept payments without carrying ongoing costs, making it one of the most affordable solutions in the long run.