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An app allowing 2 or more independent merchants to share the EFTPOS terminal in their shared place of business

Multi-merchant application

The Multi-merchant app is perfect for businesses that require multiple merchant access to just the one EFTPOS terminal. This application lets merchants leverage their resources and save money by reducing banks fees and hardware rental costs.

This is also ideal for small businesses or sole traders that manage or own multiple businesses with different bank accounts. No longer do merchants need to keep track off multiple EFTPOS terminals, additional bookkeeping, costs and fees. 

Smartpay lets you consolidate and leverage your resources, saving merchants money and time.

S920 EFTPOS machine with Smartpay logo

Making payments easy with Multi-merchant

Business owners discussing numbers on a screen

Share the EFTPOS rental costs

Split the cost of the EFTPOS rental with individual merchants but get paid into your individual bank accounts

EFTPOS terminal on table close up

Clutter free and stress free sharing

Reduce the clutter in your office by sharing one EFTPOS terminal between multiple individual merchants

Contactless card payment on bar counter

Well suited for multiple industries

Perfectly suited for doctors, physio clinics, hairstylists and merchants sharing the same work space

Why get the Multi-merchant app?

Receive funds to your individual accounts

Each merchant has their own profile set-up on the EFTPOS terminal allowing the amount to settle into respective accounts

Share one terminal among 8 merchants

A single EFTPOS terminal can be programmed with 8 individual merchant accounts for settlement of funds

Keep your bank

Merchants sharing the terminal do not have to have the same bank for their business account.

Free of Charge

This feature is available free of charge to all Smartpay merchants. Just call us to activate.

Short term EFTPOS machine hire S920 terminal

How to get set up with Multi-merchant

All Smartpay terminals have the multi-merchant feature available with the ability to load 8 merchant accounts on them. 

You need to call us to provide the details of the individual merchant numbers that would be sharing this EFTPOS terminal and we will load them up for you.


Learn more about our EFTPOS solutions

Contactless card payment on EFTPOS machine


Take payments on the go with a sleek and versatile mobile EFTPOS terminal


Countertop EFTPOS

Your stylish and reliable companion for taking payments in-store

contactless card payment on EFTPOS machine with beer on the side

Short term rentals

Need EFTPOS for a limited time? Check out our flexible short term rental plans

More reasons to choose Smartpay

EFTPOS for everyone

Mobile, Countertop or POS integrated – we’ve got the EFTPOS solution for you.

Flexible solutions

Need a shorter term? Need extra features? Talk to us about a deal for your business.

Experts on hand

No middle men here. Deal directly with the experts. We develop our own software and service our own terminals.

Built on experience

Nearly two decades of making payments simple for Kiwi businesses.

Locally owned and operated

We’re proud of our Kiwi heritage and passionate about helping you succeed.


What our customers have to say

Based on 168 reviews
neeta A.
neeta A.
Great onboarding service ... Thanks Xev 🙂
Stephen B.
Stephen B.
We set up a Takeaway Coffee business recently and needed an Eftpos /Point of Sale solution. What Smartpay offered was excellent, even got free point of sale software (you'll need an IOS device to run it). The set up was smooth and friendly, and the solution robust and reliable. Highly recommend Smartpay.
Elaynah L.
Elaynah L.
I am extremely happy with the customer service I received from Joshua Cammock. He was quick (like within the hr) to call me when I placed an online enquiry, helped me with every little step I needed to know as a new business owner setting up eftpos for the first time. Set up my eftpos and managed to have one in my hands the day before I opened when I expected it to take much longer. Thanks Joshua for making something i found daunting such an easy process for me!
christainson W.
christainson W.
Got a call from the TL today regarding the service, it was so nice to see the prompt response to help customers with any grievances.Had a very bad experience Monday night, usually Smartpay does above exceptional service but this time I came across a rep who did not want to help but kept telling what things they can't support. I worked in tech support, and there is something called probing. You ask questions like what is not working instead of shutting off your customer saying, we don't support that.Otherwise Smartpay is always so good.
Sam A.
Sam A.
So far so good! Joshua Cammock was very organised and had excellent communication skills. Kept me informed and explained how it all works in great detail. Highly recommended 🤙
Christainson W.
Christainson W.
Smartpay guys are really good, they have excellent customer skills, and they know how to respect their customer. I spoke to Pam L, an agent who assisted me to get my Eftpos machines, she was absolutely amazing, she followed through patiently till the end and was so gracious with all the queries and doubts. She is certainly someone who has a great heart and attitude.Also when I reached outside the hours of pickup, the other agent actually came out of the office and waited for me to handed over the device to me... "that just blew me off", do you really need to do that guys!Thank you so so very much!Chris WelslyChai Wala Bhai
Aurelia Sierra P.
Aurelia Sierra P.
We decided to switch providers from WindCave for their poor service etc. From the "Get-Go" we dealth with Xev. They made it so easy for us. From signing up and making sure we knew what our next step was and ETA's - we were communicated with from the JUMP. Thank you SmartPay team - give my mate Xev a raise or some sort of recognition please.Even after we were all set up - when I emailed for assistance, he referred us onto the help desk team and was so polite and informative. Its always very nerve racking when switching providers and even more so when your liaison is not even informative. We really do appreciate your amazing service Xev!Highly recommend!Team at Health New Lynn
Liza-Kay B.
Liza-Kay B.
Jamie is an amazing rep - he has chased my business, and chased my bank for me. Apart from being friendly and efficient, he was also really good at getting the job done.I have been the worst customer ever - but he got me there in the end 🙂 5 stars and a pay rise for Jamie!
Newtown Union Health S.
Newtown Union Health S.
Great Solution to meld our PMS as a POS, saves so much time.
Bodywise Natural H.
Bodywise Natural H.
Great service and always very helpful.

Speak with one of our Kiwi payment specialists today!

Every year our payment specialists help hundreds of businesses in all sorts of industries to get the right payment solution. Talk to us about your business today.