Business benefits

  • Stay connected with more connectivity options

    • With our new dual SIM capability, each Smart terminal will come with both Telstra and Optus SIM cards to keep you connected via 4G/3G1
    • You can take payments on a fixed countertop or when moving around in store, using Broadband connectivity (via the communications cradle2) or Wi-Fi3
  • More features to help you run your business seamlessly

    • Manage payments quickly and easily, with surcharging, tipping and email receipts
    • A simple inventory system (Lite POS) comes standard, for businesses that don’t need a comprehensive integrated solution
    • Customise your payments experience with our App Marketplace, featuring business management apps to improve your day-to-day tasks
  • Manage business cash flow

    • Same Day Settlement4 if you receive your funds to your linked CommBank Business Transaction Account4 on all EFTPOS and credit card sales your business makes, 365 days a year
    • An available feature on interchange pricing plans, Least Cost Routing5 allows you to choose which network debit contactless payments get processed through, potentially saving on fees
  • 24/7 Australian-based support

    • 24 hours, 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


  • Pay 1.1% per transaction10

    Single Rate Per Transaction

    • Pay 1.1% on all transactions10
    • 1.1% covers Mastercard®, Visa®, AMEX® /JCB®13, eftpos®, and UnionPay® transactions10

    Plans include

    • Current offer: $0 merchant terminal rental fee for up to 6 months11 on up to 3 terminals11
    • Then $29.50 per EFTPOS machine per month after 6 months11
  • Speak to one of our Merchant Payment Specialists on 1800 730 554 to find out which pricing plan is suitable for your business.

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
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 

Customise the way you take payments with our App Marketplace12

Improve your customers’ experience and simplify your business through Smart apps from our App Marketplace12.

Download a range of available apps in the App Marketplace12, or build customised apps tailored for your business.

Find out more


Designed for an inclusive experience for the blind and vision impaired, the Smart terminal includes tactile indicators on the device itself and helps facilitate payments easily using Accessibility Mode.

Find out more

Apply now

  • What you’ll need

    • A business trading name registered with ASIC
    • To apply for this product online, you must have a CommBank Business Transaction Account9. If you’d like to settle into a different settlement account please call 1800 730 554.

    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 of every director, partner or trustee depending on your business structure. This includes birth date, residency and occupation information 
  • Apply online if you're a sole trader or own a private company, and

    • You make up to $250,000 per year in card transactions
    • You need up to 5 EFTPOS machines
    • You want to settle your EFTPOS sales to a CommBank Business Transaction Account2

    Apply now

  • Or call 1800 730 554 to apply

    • Get custom pricing if your card transactions are more than $250,000 per year
    • 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

    Request a call back


  • Smart user guide

    Download the PDF


  • Order EFTPOS rolls and more

    Existing customers can order stationery online any time.

    Take me there

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 Agreement, Financial Services Guide and Operator and User Guides at our Merchant Support Centre.

    1 4G only available in 4G compatible areas.

    2 Additional costs apply for the communications cradle

    3 Connectivity to a secured Wi-Fi network is supported subject to network coverage and compatible areas.

    4 Same Day Settlement is available on all EFTPOS transactions made before 10.00pm (Sydney/Melbourne time) and all eCommerce transactions made before 5:30pm (Sydney/Melbourne time) for eligible customers with a CommBank transaction account and a linked CommBank merchant facility

    5 Least Cost Routing is also known as Merchant Choice Routing. A reference in the Merchant Agreement dated 1 April 2020 to Merchant Choice Routing is also a reference to Least Cost Routing. Only for eligible devices.

    6 Replacement within 4 business hours in all locations except remote areas. 3 to 5 business days for remote areas. A remote area is not serviced by a technician and only phone support is available.

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

    8 Additional fees and charges including $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 A Business 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. See our Financial Services Guide (PDF). Terms, conditions, fees and charges apply to Business Transaction Accounts and NetBank. Read the Terms and Conditions for Business Transaction and Savings Accounts (PDF) and the Electronic Banking Terms and Conditions (PDF) and consider whether these products are right for you. The target market for this product can be found within the product’s Target Market Determination.

    10 1.1% covers Mastercard®, Visa®, AMEX®/JCB®,  eftpos®, and UnionPay® transactions (additional costs may apply for all other cards).

    11 The $0 terminal rental fee is available to eligible customers who apply for and open a new merchant terminal between 25 October 2021 and 30 June 2022, and settle to a CommBank Business Transaction Account on eligible pricing plans. Offer valid until 30 June 2022 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 Smart, 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

    12 App Marketplace is coming soon.

    13 AMEX/JCB is available for eligible customers only.

    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. JCB is a registered trademark of JCB International. Union Pay is a registered trademark of UnionPay International Co., Ltd. Doshii is a registered trademark of Doshii Connect Pty Ltd. Eftpos is a registered trademark of eftpos Payments Australia Ltd. Verifone is a registered trademark of VeriFone Inc.