Smartpay is an NZX/ASX listed EFTPOS provider across Australasia supporting over 30,000 merchants and 37,000 terminals. They have been helping businesses with their EFTPOS and payment solutions for over 20 years, delivering payment products specially built for Small to Medium sized businesses.

Smartpay has EFTPOS solutions across a variety of different industries. Whether its pouring craft beers, styling the perfect hair-do or repairing a car, Smartpay can help.

Key Strengths
  • No-Cost or Low-Cost payment solutions for SME’s:
    • Zero Cost EFTPOS allows merchants who have an average turnover of over $10,000 per month to pay $0 on transaction and terminal fees with no ongoing bill to pay at the end of the month. Merchants can pass on the cost of these solutions via a surcharge payable by the cardholder.
    • Simple Flat Rate ensures each merchant gets a tailored solution to manage their costs - by knowing exactly what their fees will be on a monthly basis.
  • Our solutions support industries such as hospitality, hair, health and beauty, retail, food services and automotive.
  • Features (such as tipping and integration etc) are provided
  • 24/7 Customer support.
Useful Links

Merchant Services

Online Payments

Tools & FAQs

Settlement time frames and Settlement cut-off times 

  • 4 days next business day settlement for all transactions, 11:30 pm AEST settlement cut-off. All Friday to Sunday transactions are settled on Monday, 11.30 pm AEST settlement cut-off.
How to Apply

If you find SmartPay the most suitable payments service provider for your business, please send an email to Sean Kaplan, Head of Business Development at SmartPay using the email wording below.

Attach the SmartPay Merchant Services Pricing Report from us and cc pricing@paymentsconsulting.com in your email.

Email address:


Hi Sean,

We have been referred to by Payments Consulting Network after using their Merchant Advisory Pricing Comparison Service. Please see attached the SmartPay Merchant Services Pricing Report they have provided to us. We would gladly appreciate your response regarding the next steps so that we can commence the application process.

Looking forward to hearing from you soon. Thank you.