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Smartpay

EFTPOS Machine

Empowering New Zealand businesses with reliable and versatile EFTPOS machines, tailored to your needs.

Choose an EFTPOS machine that suits your business

Smartpay’s range of EFTPOS terminals are designed to support all kinds of business requirements. Whatever your size or industry, we can help you make it easy for your customers to pay whenever and however they want. 

Mobile EFTPOS

Card inserted inside EFTPOS machine for payment

A versatile payment terminal for New Zealand businesses

Take payments on the go with mobile EFTPOS machines; designed for businesses that want the flexibility to take payments anywhere, at any time.

Countertop EFTPOS​

The reliable EFTPOS machine for New Zealand businesses

Smartpay’s countertop EFTPOS terminals are reliable and dynamic allowing you to make seamless transactions regardless of the size of your business. 

Exclusive Offer: Get 12 months FREE EFTPOS Rental

Get the first 12 months of EFTPOS Rental free*. Simply ask us to apply this deal when you sign up for a 36-month EFTPOS rental contract with Smartpay.
Applicable to new Smartpay customers.

*Terms & Conditions apply.

Compare EFTPOS machines

 Mobile EFTPOSCountertop EFTPOS
Physical designPortable, lightweight and easy to carryStylish fit for any countertop surface. Perfect in-store payments solution
Connectivity optionsWi-Fi, Mobile SIM (GPRS/3G/4G) or Wired (Ethernet) internet connectionWired (Ethernet) internet connection
Best suited forWhere payments are needed on the move or internet is unavailable (uses SIM card)Where payments can be taken on a till or tabletop with a wired internet connection
Optional add-onsBluetooth enabled charging base 
Term availabilityAvailable for short term rentals and long term leaseAvailable for short term rentals and long term lease
Payment methodsAccept all major debit and credit cards. Enabled for insert, swipe, QR code mobile payments and contactless payments from cards and smart devices.Accept all major debit and credit cards. Enabled for insert, swipe, QR code mobile payments and contactless payments from cards and smart devices.
SurchargingAutomatic surcharging available for contactless and credit card paymentsAutomatic surcharging available for contactless and credit card payments
Value-add payment featuresIncludes cash out, tipping, MOTO (card not present) and refundsIncludes cash out, tipping, MOTO (card not present) and refunds
24/7 NZ based supportTechnical help desk support available 24/7/365 Technical help desk support available 24/7/365
 Mobile EFTPOS 
Physical designPortable, lightweight and easy to carry 
Connectivity optionsWi-Fi, 3G (SIM) or Wired (Ethernet) internet connection 
Best suited forWhere payments are needed on the move or internet is unavailable (uses SIM card) 
Optional add-onsBluetooth enabled charging base 
Term availabilityAvailable for short term rentals and long term lease 
Payment methodsAccept all major debit and credit cards. Enabled for insert, swipe, QR code mobile payments and contactless payments from cards and smart devices. 
SurchargingAutomatic surcharging available for contactless and credit card payments 
Value-add payment featuresIncludes cash out, tipping, MOTO (card not present) and refunds 
24/7 NZ based supportTechnical help desk support available 24/7/365 
 Countertop EFTPOS 
Physical designStylish fit for any countertop surface. Perfect in-store payments solution 
Connectivity optionsWired (Ethernet) internet connection 
Best suited forWhere payments can be taken on a till or tabletop with a wired internet connection 
Optional add-ons  
Term availabilityAvailable for short term and long term lease 
Payment methodsAccept all major debit and credit cards. Enabled for insert, swipe, QR code mobile payments and contactless payments from cards and smart devices. 
SurchargingAutomatic surcharging available for contactless and credit card payments 
Value-add payment featuresIncludes cash out, tipping, MOTO (card not present) and refunds 
24/7 NZ based supportTechnical help desk support available 24/7/365 

Competitive EFTPOS machine prices with Smartpay

At Smartpay, we believe in transparency and simplicity when it comes to our EFTPOS pricing structure. Our payment specialists customise the EFTPOS solution and the pricing plans to your requirements depending on the type of terminal and lease term you choose.  

EFTPOS is a cost-effective option for almost any business, with just three main costs:

Leasing an EFTPOS machine

  • Enjoy seamless transactions with a fixed monthly leasing cost, ensuring straight forward budgeting for your business costs.
  • Choose between short-term and long-term lease durations, with 24 to 36 months contracts available, offering cost-efficiency.
  • Benefit from 24/7 dedicated support and automatic compliance updates, hassle-free, ensuring a seamless and reliable EFTPOS experience for your business.

Connecting to a payment (EFTPOS) network

  • Paid directly to Worldline, a fixed monthly fee of $18.90 + GST keeps you connected and includes an unlimited number of insert/swipe transactions (with EFTPOS and debit cards).
  • We connect to NZ’s leading payment network, Worldline (formerly Paymark), ensuring reliable and secure EFTPOS transactions.

Merchant facility and service

  • Negotiated directly with your business bank or acquirer.
  • Includes a business bank account from your bank or acquirer for you to receive your funds.
  • Merchant services fees (MSF) charged for certain transactions (credit cards and contactless) processed through your merchant facility. Smartpay provides the option to pass these fees on to customers through surcharges, allowing you to offset the cost of acceptance.
S920 EFTPOS machine front on

Tips to reduce EFTPOS costs

Consider longer lease terms (such as 24 to 36 months) to help reduce monthly rates.

Consider implementing surcharges on credit card and contactless transactions to mitigate Merchant Service Fees.

Contribute to sustainability by disabling default receipt printing, saving paper and the environment.

Prioritise service quality when evaluating providers; you’re investing in reliability and continual support.

Consider a Point of Sale (POS) system to minimise customer time spent at checkout by eliminating manual keying of transactions and potential errors. 

food truck lady using short term EFTPOS hire

Payment apps and Value-added features

Smartpay EFTPOS machines come with various payment features to add value to Kiwi businesses and help customise your payment solution. You can choose from a range of point of sale (POS) integrations, value-add ons and applications that will enhance the way you do business and take payments from your customers. 

EFTPOS machine next to laptop with POS screen

Point of Sale (POS) integrations

Seamlessly integrate your EFTPOS machine with world leading POS providers

Contactless card payment on bar counter

Contactless payments

Tap into the power of contactless payments and improve your customer experience

EFTPOS machine with surcharge screen and surcharge receipt beside it

Paywave & Credit card surcharge

Minimise your cost of acceptance of credit cards and contactless payments with an automatic surcharge

Short Term and Flexible Term rentals

As a payments provider, we understand that your business has flexible needs. Our Short term and Flexible term rentals solutions are cost-effective options designed for when you require an EFTPOS machine for a shorter term. 

Up to 3 months – Our Short term solution works perfectly for one-off events when you need to take payments at markets, pop-ups, school fairs and charity drives. You can hire the EFTPOS machine for a day, week or month. 

More than 3 months – Our Flexible Term solution is perfect for businesses that are looking to rent a terminal for 3-12 months. If you are just starting out or your business has seasonal changes, this solution gives you the flexibility you need.

What makes Smartpay EFTPOS machines the preferred choice in New Zealand?

Discover why Smartpay leads the way in EFTPOS solutions in New Zealand, offering unique advantages that define our brand:

In-house tech and support teams

Leading 24/7 service and support

Feature-rich, fully customisable solutions

Proudly local - Supporting 30,000+ businesses

Success stories with Smartpay EFTPOS machines

”Being able to accept a variety of payment methods including cards, mobile payments and QR code payments on our Smartpay EFTPOS machine has allowed us to serve more customers and increase sales”

What our customers have to say

Amanda, is really good with customer services communication response respectful all sort of things. And very fast handling of efpost machine. Very affordable for new business owners. Very easy to... connect. 100/100 recommend. Thank you Amanda. You are the bestread more
Glam nails &.
Glam nails &.
1707347072
Joshua Was awesome to deal with and helped me with all my questions and covered a lot more recommend this company for all your eftpos needs amazing to deal with Highly
Josh A.
Josh A.
1705448917
Xevithirus Adrastos was the best contact person to get my machine super fast and ready!, definitely I recommend to get the service from Smartpay 👌😊 happy customer here!
Zdenija S.
Zdenija S.
1700442798
Shameel was amazing, got everything done ASAP to really help with the opening of our new store. Really appreciate his support and went above and beyond to get it all done in time. Would recommend... smartpay to anyone!read more
Bridie M.
Bridie M.
1699327957
Xevithirus was absolutely fantastic to deal with. Super knowledgeable and helpful, made everything run smoothly, job was done very quickly. Highly recommended. Thank you.
Katie F.
Katie F.
1697670285
100% genuine and trustworthy, as a new business owner they have helped me in every way possible to make sure that it works out with my business requirements.
Pizza G.
Pizza G.
1697068949
We, on behalf of Probasee Bengalee Association of NZ, have hired EFTPOS machine from Smartpay a couple of times in the last few year for a couple of our events. Xev has been instrumental with... required support both these times. He had communicated with us throughout the process, and although we had applied for it quite late and were on a tight deadline, Xev made sure we get the terminal on time both the occasions. His communication, and proactive support and follow-up has been really impressive. We are very happy with the service. 100% recommend them if anyone is looking to hire EFTPOS terminals. And, a very special shout out to Xev for his help.read more
Soham S.
Soham S.
1693954862
If you own a business and not have SmartPay eftpos solution that mean you being ripped off by others.SmartPay is best and their wifi terminal is Vodafone network that mean full coverage as well.thank... you SmartPay team you guys are awesome 😎read more
Gurwinder S.
Gurwinder S.
1693167814
Dealing with your Team has been such a welcomed pleasure. I was hesitant to make contact initially as I thought it would be difficult and confusing to make the change! It was totally the opposite. ... Very and efficient with clear and easy to understand information over the phone. Really appreciate the wonderful service from Xevithirus Adrastos! Well done and thankyou againMaread more
Ma & Mel’s Coffee & Kai C.
Ma & Mel’s Coffee & Kai C.
1690152073
Very helpful. Great Service got this going in 2 days from signing my contract.
pratthana S.
pratthana S.
1686523125
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Understanding EFTPOS machines

Whether you are setting up a new business or are an established business looking to get started with EFTPOS, here are a few useful resources to help you navigate the complexity of EFTPOS machines and providers:

EFTPOS Machine FAQ's

EFTPOS, short for “Electronic Funds Transfer at Point of Sale,” simplifies payments. It allows customers to electronically pay for goods and services, transferring funds directly from their bank accounts to the merchant’s account. Payments can be made via EFTPOS cards, debit/credit cards and digital wallets on smartphones or smartwatches. EFTPOS offers the benefits of speed, convenience and enhanced security during payments for both customers and businesses. It makes payment acceptance easy for businesses, eliminating the need for physical cash or checks.

Payments can be made on EFTPOS terminals with EFTPOS cards, debit or credit cards and electronic devices with a mobile wallet such as, smartphones or smartwatches. There are different ways to process payments, and knowing the differences is important. EFTPOS and debit card payments are processed by inserting or swiping and incur a fixed monthly network fee for the merchant. However, contactless (hover/tap), mobile and credit card payments have additional merchant service fees (MSF) as a percentage of the total transaction cost.

Consider a few basic factors while looking for EFTPOS for your business to ensure that you choose a customisable machine that aligns with your business needs.
  • Consider usage locations and connectivity options (GPRS/3G/4G, Wi-Fi or LAN).
  • Think about the payment methods you want to accept and the costs associated.
  • Consider if you want additional EFTPOS features like POS integrations, surcharging and more.
  • Opt for a user-friendly, versatile EFTPOS terminal that simplifies transactions, is easy to troubleshoot and allows remote feature activation.
Reliability is paramount in payments. Look for an EFTPOS provider that offers ongoing support, security updates, quick issue resolution and expert guidance. Essential factors include the provider’s support, security, contract terms and pricing transparency.
EFTPOS is a cost-effective method for businesses to accept payments with 3 main costs, including:
  • Leasing the machine – often paid monthly to the EFTPOS provider.
  • Connecting to the payment network – paid monthly to the payment network (Worldline).
  • Merchant Service Fees – paid directly to the bank depending on the package negotiated.
In addition to these, you may also want to factor in additional costs, such as POS integration and internet connectivity, paid directly to the providers.

Smartpay EFTPOS terminals require a working internet connection to the payment network to process payment transactions. Having a stable internet connection is important to avoid communication errors and time-outs on transactions. The terminal connects to the internet using either a Wired (LAN), Wireless (Wi-FI) or GPRS (SIM card) connection. It is important to ensure the connection is reliable and backup comms methods are available (such as a mobile hotspot).

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.