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Minimise the costs of accepting contactless and credit card payments

Wave goodbye to the bank fees for credit card and contactless payments

Do away with bank fees

Recover your cost of acceptance for contactless and credit card payments by adding a surcharge to your customers transaction.

Let your terminal do the work

When a contactless or credit card payment occurs, the terminal automatically applies your pre-programmed surcharge. No manual calculations or guesswork.

Open your doors to more customers

Give your customers more choices to pay, by accepting credit card, payWave, Tap & Go, Apple Pay and Google Pay on any NFC enabled card or device - all without increasing your costs!

Customer making contactless payments

Offer a truly contactless payment experience

Remove the manual prompt to accept contactless surcharge. Let customers see the surcharge on screen and simply tap to pay. No need to touch the EFTPOS terminal!

Transparent and fair payments

The surcharge is clearly displayed on the terminal screen before the purchase occurs and also printed on the transaction receipt.

Quick and simple to set-up

Surcharging on your terminal is customisable, with options to suit your business needs. Simply set up your credit card and/or contactless acceptance with your merchant bank. Then just call us to get this activated free of charge.

Make surcharging work for you

You decide the surcharge amount

Set a flat fee or a percentage per transaction

Offer a truly contactless experience

Remove the manual prompt for contactless surcharge

Transparent to customers

Display surcharge value separately on customers receipt

Seamless POS integration

Works seamlessly with POS systems that support surcharging

Your obligations when surcharging

Done right, surcharging is simple, transparent and fair to all. As a merchant, you have obligations towards your customers when surcharging. This gives them a chance to assess if they would like to pay via an alternate payment method or accept the surcharge.

Displaying clear signage in-store and/or at the point of sale makes it evident that a surcharge is applicable on certain payment methods. It is also important that the surcharge amount is no more than your cost of acceptance and is collected within the transaction that it is applicable to. 

You can download surcharge signage and check out further details about your obligations by following the links below.

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What our customers have to say

Mobile payment saves time during the sale process as the customer can pay in a way which is familiar and convenient to them, which in-turn leads to a higher level of customer satisfaction.

Tanja West-Hill, Weekend Max Mara

Smartpay’s solution is convenient and easily integrates.

The set-up was smooth and straight forward.

Dan Horton, Magic Memories

I would say we have gained around 20% more of our sales by adding Alipay and WeChat Pay.

Laurance Metry, Unichem

Frequently Asked Questions

When a customer pays by credit card or a contactless payment method, the terminal identifies the payment method used and automatically calculates the programmed rate (that you have advised us to set for you). This surcharge amount is added to the customer’s payment amount on the terminal. The customer accepts the surcharge and completes the payment with a tap (contactless) or PIN (insert/swipe). It is hassle-free without the need for you having to calculate this for each transaction.

Surcharging is available on S920, S800, S900, S80/S300, S800/S300 terminal models. Once you have credit card and/or contactless payments activated on your merchant facility with the bank, get in touch with us to set this up for you. It is quick and free of charge to set-up and with our 24/7 support team on call, you can set this up anytime!

If your terminal is not included in the list above or if you have any questions, please feel free to contact us on 0800 476 278.

Yes, you can also request to activate surcharging on contactless payments if you are accepting these.

By using the “Shift Total” option, you can get a printed record of the transactions that have incurred a surcharge and what this amount is for each transaction. We recommend that you print these off daily or weekly to keep track of this. The “Shift Totals” reports on credit card (insert/swipe) and Contactless surcharges separately.

Credit card surcharging is applicable on payments made on Visa, Mastercard, UnionPay AMEX, Diner and JCB cards. If the customer inserts/swipes their credit card and chooses the “credit” option, the programmed surcharge will apply.

Contactless surcharging is applicable on payments with any NFC enabled card or device. The card is not inserted or swiped in the terminal and, if the transaction is below $200 a PIN is not required for authorisation of the payment. These include all cards and devices with payWave (Visa), Tap & Go (Mastercard), Apple Pay and Google Pay.

Enquire about Surcharging today

For Existing Smartpay Customers – Surcharging is free and available with any Smartpay EFTPOS machine. Send us your request to activate surcharging by clicking the button below and one of our team will get back to you. Or call us on 0800 476 278 when you are in front of your EFTPOS terminal to activate this free of charge.

Not a Smartpay Customer? – Let us help you by talking through your options. Call our sales team to discuss an EFTPOS solution that suits your business. Or get in touch using the button below and one of our sales specialists will call you back within one business day.