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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

Great
4.2
Based on 160 reviews
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.
Tze Wei Daniel T.
Tze Wei Daniel T.
Aran has been super helpful in answering my questions promptly and always quick to reply. Very reliable in registering and starting with Smartpay.
Montrose Cafe B.
Montrose Cafe B.
Excellent service. I have rented mobile machines for past few years for events.They always deliver with great service. Thanks guys
Glam nails &.
Glam nails &.
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 best
Josh A.
Josh A.
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
Zdenija S.
Zdenija S.
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!
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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.