Pay less when your customers pay you

1.1% flat rate transaction fee1

$29.50 per month terminal rental fee

Offer: $0 terminal rental fee for 6 months2

Apply by 31 December 2022 to get up and running for the first 6 months, on up to 3 terminals.

The Smart terminal is a sleek machine, with a touchscreen and a border with the CommBank logo.

There's more to love with Smart

  • Enriched native features

    Surcharging, tipping, digital receipts, and a Lite POS to help manage payments easily.3

  • Portability

    Take payments at the table, in-store, on the road or wherever your customers are.

  • Personalise the experience

    Access apps to provide a better experience for you and your customer.10

  • Stay up & running

    Enhanced connectivity with Dual SIM and Wi-Fi.4

  • Manage business cash flow

    Enjoy same day settlement on all sales your business makes, 365 days a year.5

  • Designed for an inclusive experience

    Facilitate payments with accessibility mode and tactile indicators for people living with vision or motor impairment.

Customise payments with our App Marketplace

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

Download a range of available apps or build customised apps tailored for your business.6

We're here if you need us

24/7 Australian-based support

Whenever you need us, we have our specialists on standby. We’ll even give you complimentary training on how to use your new terminal.

Protecting you and your customers

Fraud protection to help protect you, your business and your customers.

Accidents happen but we’re ready

If anything happens to your EFTPOS terminal, we’ll get you a replacement within four hours.7


  • Hardware

    $29.50 per month
    Rental fee per terminal

    $0 joining fee
    With no lock-in contracts8

    Non-return fee
    If you don't return your terminal when you finish your plan, or it is damaged, you may be charged $500 per terminal

  • Processing rates

    1.1% per transaction
    On all Mastercard, Visa, AMEX, JCB, eftpos, and UnionPay transactions

    Investigation fee
    $30 chargeback fee will cover the investigation if a customer disputes a transaction

Compare all terminals


A smarter way to take payments, with a sleek, all-in-one EFTPOS terminal

$29.50 per month to rent

1.1% flat rate transaction fee

Mastercard Visa American Express JCB Eftpos UnionPay


  • POS integration
  • Dual SIM
  • Wi-Fi
  • 4G/3G
  • Surcharging
  • Tipping
  • App Marketplace
  • Digital receipts
  • Split billing
  • Settlements on terminal

Apply now

Essential Plus

Versatile and seamless integration with your POS vendor in-store

$29.50 per month to rent

Custom transaction fee pricing 

Mastercard Visa American Express JCB Eftpos Union Pay Diners Club


  • POS integration
  • Dual SIM
  • Wi-Fi
  • 4G/3G
  • Surcharging
  • Tipping
  • App Marketplace
  • Digital receipts
  • Split billing*
  • Settlements on terminal


How to apply

Gather your documents:

  • 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 are registered with ASIC
  • You make up to $250,000 per year in card transactions
  • You need up to 5 EFTPOS terminals
  • You want to settle to a CommBank Business Transaction Account.9

Apply now

Speak to us if:

  • Your card transactions are more than $250,000 per year – speak to us about custom pricing
  • You want to settle to a non CommBank account
  • You're already using a CommBank EFTPOS terminal to take payments.

Request a callback

Call 1800 730 554

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 (PDF)Financial Services Guide (PDF) and Operator and User Guides at our merchant support hub.

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

    The $0 terminal rental fee is available to eligible customers who apply for and open a new merchant terminal, and settle to a CommBank Business Transaction Account on eligible pricing plans. Offer valid until 31 December 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). For more information on our range of EFTPOS products and pricing plans, visit

    3 Surcharging is a useful tool to recover the costs of processing card payments in your business. However, the value of the surcharge must not exceed the value that it costs you to accept the transaction, you can find more information at

    4 Subject to network coverage and compatible areas.

    5 Same day settlement is available on all EFTPOS transactions made before 9.30pm (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.

    6 App Marketplace available on all Smart terminals with publicly available apps coming soon.

    7 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.

    8 For Interchange pricing a joining fee may apply if you settle to another financial provider.

    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 730 554, any time after your application is finalised. 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 Split billing available via an app.

    Available via an accredited POS vendor that provides the feature.

    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. Eftpos is a registered trademark of eftpos Payments Australia Ltd. Diners Club is the registered trademark of Diners Club International Limited. Verifone is a registered trademark of VeriFone Inc.