Ways your business could benefit

Accept all payment types, in-store and on the go

  • Tap & Pay for payments with smart phone and smart watches
  • 4G/3G10 mobile data connectivity when on the road. Optus and Telstra connectivity supported
  • Fixed line broadband internet and Bluetooth connectivity provides you freedom to take payment anywhere in your store

Pricing plans to suit your business

  • Pay a fixed monthly amount for your device and transactions with our Simple Merchant Plan, as long as you stay within the included monthly card turnover.4
  • Pay 1.8% Merchant Service Fee per transaction5
  • Or choose an interchange pricing plan and opt in for Least Cost Routing

Take advantage of Same Day Settlement9

Receive your funds to your linked CommBank Business Transaction Account2 on all eftpos and credit card sales your business makes, 365 days a year. 

24/7 Australian-based support

  • 24 hour, 7 days a week customer support team based in Australia
  • A replacement EFTPOS terminal within four hours6 if needed
  • You’ll receive training for you and your staff on delivery

Choose a plan

Choose a fixed monthly fee or pay 1.8% per transaction5 - with the flexibility to switch between pricing plans as your income changes.

Help me choose a plan

Monthly plan

Flat monthly fee

  • Our Simple Merchant Plan starts from just $30 per month
  • Based on your estimated monthly card transactions

Plans include

  • 1 EFTPOS machine ($29.50 per additional EFTPOS machine per month)
  • Card transactions and a capped transaction allowance

Best suited to businesses with a consistent income.

You can switch between plans if you're forecasting higher or lower sales for upcoming months. 

Pay 1.8% per transaction5

Pay per transaction

  • Pay 1.8% merchant service fee per transaction

Plans include

  • Current offer: $0 merchant terminal rental fee for up to 6 months on up to 3 terminals 1
  • Then $24.50 per EFTPOS machine per month after 6 months

Best suited to businesses with seasonal or less predictable income.

You can switch to a monthly plan if your income becomes consistent. 


$0 terminal rental fee

Apply by 30 June 2021 to reduce your costs for the first 6 months when you get started1


Switch between plans, any time

Other fees and charges8

What's it for
Joining fee
Charged to set up your account 
Chargeback fee
Charged to cover investigation costs if a customer disputes a transaction  
$30 per chargeback
Recovery and data removal fee
Charged if you cancel your plan 
Terminal non-return fee
Charged if you don't return your machine once you've finished your plan or if you return a damaged EFTPOS machine
$500 per EFTPOS machine 

How to apply

1. Apply online or call

When you apply, we'll make sure the product is right for your business. 

2. Review your application

  • We’ll email you your final application form to review
  • If no signature is required, we'll fast track your application for approval
  • If we need a physical signature, we'll email your application to you to sign and return

3. Get approved

  • If approved, we'll send you a confirmation letter with your merchant facility ID

4. Receive your terminal

  • You can choose to receive a text message confirming when your terminal will arrive
  • Our technicians will deliver your terminal
  • Delivery takes at least 3 days for metro and 5 days for regional locations

Get ready to apply

What you’ll need

  • A business trading name registered with ASIC
  • To apply for this product online, you must have a CommBank Business Transaction Account2. If you’d like to settle into a different settlement account please call 1800 230 177.

Have these details handy 

  • Business contact information, including phone and email
  • Australian Business Number (ABN), business structure and registered address
  • Financial information, including monthly turnover and average card transaction sizes
  • Details or every director, partner or trustee depending on your business structure. This includes birth date, residency and occupation information 

How to apply

Apply online if you're a sole trader or own a private company, and

  • You make up to $12,000 per month in card transactions
  • You need up to 3 EFTPOS machines
  • You want to settle your EFTPOS sales to a CommBank Business Transaction Account2

Apply now

Or call 1800 230 177 to apply

  • Get custom pricing if your card transactions are more than $12,000 per month
  • If you want to settle your EFTPOS sales to a non CommBank account
  • If you're already using a CommBank EFTPOS machine to take payments

Call now

Want to link to your Point of Sale? Try Essential Plus

Our Essential Plus solution links seamlessly with any PC eftpos accredited POS provider to accept payments.

Go to Essential Plus

Merchant support

Essential Lite user guide    

Get to know your terminal including key functions and basic troubleshooting. 

Download user guide (PDF)

Order EFTPOS stationery

Visit our online store for your stationery supplies. 

Order EFTPOS stationery

Instructions and guides

All our product support in the one place. 

Product support

Merchant security hub

Keeping your business safe and sound.

Explore merchant security hub

Things you should know

As this advice has been prepared without considering your objectives, financial situation or needs, you should, before acting on the information, consider its appropriateness to your circumstances. Please view our Merchant AgreementFinancial Services Guide and Operator and User Guides at our Merchant Support Centre.

1The $0 terminal rental fee is available to eligible customers who apply for and open a new merchant terminal between 29 March 2021 and 30 June 2021, and settle to a CommBank Business Transaction Account on eligible pricing plans. Offer valid until 30 June 2021 and subject to change. The $0 terminal rental fee offer means customers have their terminal rental fees waived for the first 6 months for up to a maximum of 3 terminals, available on Essential Lite and Essential Plus.  The offer is only available at the initial application and can’t be extended to additional terminals after the application has been processed. Offer is not available for group deals (including Alliance Partners) or Bankwest. For more information on our range of EFTPOS products and pricing plans, visit commbank.com.au/merchantterminal.

2Business Transaction Account is required to settle your transactions, if you apply online through NetBank. You can choose to settle your transactions to an alternate account held with us or another financial service provider by calling our Merchant Sales team on 1800 230 177, any time after your application is finalised. The information on this website has been prepared without considering your objectives, financial situation or needs. Because of that, you should, before acting on the information, consider its appropriateness to your circumstances.  Terms, conditions, fees and charges apply to Business Transaction Accounts and NetBank. Read the Terms and Conditions for Business Transaction and Savings Accounts and the Electronic Banking Terms and Conditions (PDF) and consider whether these products are right for you.

Mail Order and Telephone Order (MOTO) processing also known as Handkey: Call our Merchant team after your application is approved. Once authorised, you can process payments manually by entering credit card details into an EFTPOS machine. Each request will be assessed individually. We don't guarantee your application for Handkey functionality (MOTO) will be approved.

MOTO transactions accepted over the phone or by mail order are subject to a separate application and review. Eligibility criteria apply. For more info and to apply call us on 1800 230 177.

Excess usage fees of 1.5% applies to any monthly card turnover over your included amount. Additional fees and charges may apply. The full fee list will be sent to you once your application is processed.

1.80% covers Visa®, Mastercard®, eftpos®, UnionPay® transactions (not AMEX®, or Diners®).

4 hour device replacement service is available for metro and 3-5 business days for remote areas. Remote area is anywhere which isn’t serviced by a technician, and only phone support is available.

7Joining fee of $250 applies if you settle to another financial provider.

8 Additional fees and charges including $110 recovery and data removal fee if you cancel your plan, $500 terminal non-return fee if you need to replace a damaged EFTPOS machine or you don't return your machine once you've finished your plan and EFTPOS stationery order charged if you order new EFTPOS rolls and stationery for your machine. You may incur an upgrade fee of $149 per EFTPOS machine if you choose to upgrade. 

9  Everyday Settlement available to eligible customers with a Commonwealth Bank Business Transaction Account and a linked Commonwealth Bank merchant facility. ‘Same day’ includes all card sales before 5:30 pm (AEST)

10 4G only available in 4G compatible areas.

Mastercard and the Mastercard brand mark are registered trademarks of Mastercard International Incorporated. American Express is a trademark of American Express. Visa is a registered Trademark of Visa in the United States. Union Pay is a registered trademark of UnionPay International Co., Ltd. Diners Club is a registered trademark of Diners Club International Ltd. 

View Terms and Conditions for Business Transaction and Savings Accounts and our Financial Services Guide and consider them before making any decision about these products. This advice has been prepared without considering your objectives, financial situation or needs. Before acting on the advice, consider if it’s right for you. Bank fees and charges may apply. Download the Merchant Agreement Terms and Conditions for more information.