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Low Cost EFTPOS

Seamless Solutions for Every Business

Low Cost EFTPOS

Boost your transactions with reliable, fast, and secure EFTPOS systems that keep your business moving forward.

Low Cost EFTPOS Fees
No Lock-in Contracts
Integrates with Kokipay Smart POS

Customer tapping a phone on a Kokipay EFTPOS terminal at a cafe counter

In short

What is low cost EFTPOS?

Low cost EFTPOS is card payment processing priced to keep merchant fees down, usually through one low flat rate and no lock-in contract. With Kokipay, Super Saver EFTPOS is a flat 0.92% (ex GST) across Visa, Mastercard and eftpos, on a modern touchscreen terminal that works standalone or integrates with Kokipay Smart POS.

Key facts

0.92% flat rate (ex GST) on Super Saver EFTPOS
No lock-in contracts
Accepts cards, Apple Pay, Google Pay and Samsung Pay
Integrated with Kokipay Smart POS, or standalone

Quick and Secure Transactions

The Kokipay EFTPOS Difference

Upgrade your payment experience with Kokipay's innovative EFTPOS solutions. Efficient, secure, and designed to adapt to your business requirements.

Colour touchscreens

A 3.5″ touchscreen with physical keypad on the Verifone P630L, or a 5.5″ HD touchscreen on the Verifone V660P-A.

Same day settlement

Receive your funds on the same day, including weekends and public holidays, with an eligible settlement account.

Countertop or portable

Keep the P630L at your counter, or take the battery-powered V660P-A to the table or on the go.

Speedy transactions

Complete transactions in seconds, minimising wait times and keeping lines short.

POS Integration

Enhance your team's efficiency and improve customer service with smooth POS connectivity.

Digital and print receipts

Print receipts on the V660P-A, or send digital receipts from either terminal.

EFTPOS terminals

Choose your Kokipay EFTPOS terminal

Both terminals get the same 0.92% flat rate, take every way your customers want to pay, and are delivered and installed for you.

Countertop

Verifone P630L

A compact terminal for a fixed checkout counter.

3.5″ colour touchscreen with physical keypad
Tap, insert or swipe, plus Apple Pay, Google Pay and Samsung Pay
Wi-Fi and Ethernet connectivity
Works standalone or with Kokipay Smart POS

Terminal rental$17 /month ex GST

Choose this terminal

Portable with printer

Verifone V660P-A

A handheld terminal for the counter, the table or on the go.

5.5″ HD touchscreen
Built-in receipt printer
4G, Wi-Fi and Bluetooth
Rechargeable battery and charging base

Terminal rental$28 /month ex GST

Choose this terminal

Card sales over $70k a month? You may qualify for a free terminal. Our team will check during signup.

Terminal rental is per terminal, per month, exclusive of GST. No lock-in contract.

Customer paying with a smart watch on a Kokipay EFTPOS terminal

Accepts cards, mobile wallets, contactless

Multiple Payment Methods

Ensure a smooth and flexible payment experience for your customers with our system that supports various payment options. Whether your customers prefer traditional methods or the latest digital wallets, our system makes it easy to process all transactions efficiently.

Accept all major cards with ease.
Process payments via Apple Pay, Google Pay, and Samsung Pay.
Facilitate secure NFC transactions.

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Ensures PCI compliance

Secure Transactions

Protect your business and customers with our robust security features, ensuring that every transaction is safeguarded from start to finish. Our system is designed to meet the highest security standards, providing peace of mind with every payment.

Meets business security requirements.
Secures payment information end-to-end.
Detects and stops fraudulent transactions.

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Kokipay EFTPOS integrated with a POS system

Simply connects with POS

Easy Integration

Streamline your operations with a payment system designed for seamless integration across your business tools. Whether it's your POS terminals, online ordering platform, or inventory management system, our solution ensures everything works together effortlessly.

Works with Kokipay POS terminal models.
Integrates smoothly with our online ordering system.
Automatically updates inventory with every transaction.

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Easy Payments

Tap to Pay on iPhone

Turn your iPhone into a versatile payment device with Kokipay's EFTPOS system, no extra hardware required. Experience fast, secure, and contactless payments, compatible with major credit cards and Apple Pay.

Process payments directly on your iPhone.
Quick and efficient payment processing.
Advanced encryption and fraud protection.
Works seamlessly with major credit cards and Apple Pay.

Explore Tap to Pay

How signup works

Three steps to lower EFTPOS fees

Our team will guide you at every step, with regular email and SMS updates.

Begin your signup
Complete the short form on this page to start your signup.
Finish your details by email
You receive an email to continue your signup: complete your business details, verify your identity (KYC) and provide your payout bank details.
EFTPOS delivered and installed
Your EFTPOS terminal is delivered and installed, and you can start saving.

Begin signup

FAQ

Low cost EFTPOS FAQs

What is the cheapest way to accept card payments with Kokipay?

For most businesses it is Super Saver EFTPOS: one flat rate of 0.92% (ex GST) for all Visa, Mastercard and eftpos transactions, terminal rental from $17 per month (ex GST) and no lock-in contract. If you only take occasional payments, Mobile Tap to Pay has no setup or hardware fees.

Is the EFTPOS terminal free?

No. Terminals are rented monthly: $17 per month for the Verifone P630L countertop terminal or $28 per month for the Verifone V660P-A portable terminal with printer (ex GST, per terminal). Businesses with card sales over $70k a month may qualify for a free terminal, and our team checks this during signup. There is no lock-in contract.

Which payment methods can a Kokipay EFTPOS terminal accept?

Kokipay EFTPOS accepts all major cards plus contactless mobile wallets including Apple Pay, Google Pay and Samsung Pay, using secure NFC.

Do I have to sign a long-term contract?

No. Kokipay EFTPOS has no lock-in contracts.

Can I use Kokipay EFTPOS with my current POS?

Kokipay EFTPOS works natively with Kokipay Smart POS and online ordering. With another POS, you can run the terminal as a standalone device alongside it.

Can Australian businesses still surcharge card payments?

From 1 October 2026, eftpos, Visa and Mastercard are introducing no-surcharge rules in Australia following the Reserve Bank of Australia’s review of retail payments, and American Express, UnionPay and PayPal have said they will do the same. That means businesses can no longer add a fee because a customer pays by card, so a low flat rate such as Kokipay Super Saver EFTPOS at 0.92% (ex GST) matters more than ever. See the RBA’s FAQs for details.

Is Kokipay EFTPOS secure?

Yes. The system is designed for PCI compliance, secures payment information end-to-end and includes fraud detection to help stop fraudulent transactions.

Low Cost EFTPOS