---
title: Low Cost EFTPOS Machines Australia | No Lock-in | Kokipay
description: Kokipay's low cost EFTPOS machines offer fast, secure payment processing with no lock-in contracts. Works standalone or with Kokipay Smart POS.
image: https://kokipay.com/hubfs/CloudMenu%20POS%20EFTPOS%20Feature.jpg
---
Card surcharging ended on 1 October 2026. Keep more of every sale with Low Cost EFTPOS. [See Low Cost EFTPOS](https://kokipay.com/low-cost-eftpos?hsLang=en-au)
[](https://kokipay.com/?hsLang=en-au)
- [Payments](https://kokipay.com/low-cost-eftpos?hsLang=en-au)
[**Low Cost EFTPOS**Fast, secure terminals with no lock-in contract](https://kokipay.com/low-cost-eftpos?hsLang=en-au) [**Super Saver EFTPOS**Our lowest flat rate on domestic and international cards](https://kokipay.com/eftpos-saver?hsLang=en-au) [**Mobile Tap to Pay**Take card payments on your phone](https://kokipay.com/mobile-tap-to-pay?hsLang=en-au)
- [POS & Ordering](https://kokipay.com/pos-point-of-sale?hsLang=en-au)
[**Smart POS**$0 POS software with every advanced feature](https://kokipay.com/pos-point-of-sale?hsLang=en-au) [**Online Ordering**$0 branded ordering website, no setup fee](https://kokipay.com/online-ordering?hsLang=en-au) [**QR & Table Ordering**$0 scan, order and pay from the table](https://kokipay.com/qr-code-table-online-ordering-system?hsLang=en-au) [**Delivery**Your drivers or on-demand couriers](https://kokipay.com/delivery?hsLang=en-au) [**Kitchen Display**Every order on one kitchen screen](https://kokipay.com/kitchen-display?hsLang=en-au) [**Customer Display Screen**Order, total and promos facing the customer](https://kokipay.com/customer-display-screen?hsLang=en-au) [**Reservations**Online bookings tied to your floor plan](https://kokipay.com/reservations?hsLang=en-au) [**Multi Location**Run every venue from one account](https://kokipay.com/multi-location?hsLang=en-au) [**Self Ordering Kiosk**Cut the queue with self-service](https://kokipay.com/self-ordering-kiosk?hsLang=en-au) [**Uber Eats Integration**Delivery app orders straight into the POS](https://kokipay.com/uber-eats-integration?hsLang=en-au)
- [Grow](https://kokipay.com/loyalty-rewards?hsLang=en-au)
[**AI Google Reviews**More 5-star reviews, replies drafted by AI](https://kokipay.com/ai-google-reviews?hsLang=en-au) [**Loyalty & Rewards**Points, punch cards and VIP tiers](https://kokipay.com/loyalty-rewards?hsLang=en-au) [**Targeted Promotions**The right offer to the right customers](https://kokipay.com/targeted-promotions?hsLang=en-au) [**Marketing Campaigns**Email and SMS that bring people back](https://kokipay.com/marketing-campaigns?hsLang=en-au) [**Gift Cards**Sell and redeem at the register](https://kokipay.com/gift-cards?hsLang=en-au) [**Staff Shift Management**Clock-ins, tills and staff performance](https://kokipay.com/staff-shift-management?hsLang=en-au)
- [Industries](https://kokipay.com/eftpos-for-hospitality?hsLang=en-au)
[**Hospitality**Restaurants, cafes, bars and hotels](https://kokipay.com/eftpos-for-hospitality?hsLang=en-au) [**Retail**Counter and mobile EFTPOS for shops](https://kokipay.com/eftpos-for-retail?hsLang=en-au) [**Hair & Beauty**Pay at the counter or at the chair](https://kokipay.com/eftpos-for-hair-and-beauty-salons?hsLang=en-au) [**Trades**Get paid on site when the job is done](https://kokipay.com/eftpos-for-trades?hsLang=en-au)
- [Pricing](https://kokipay.com/pos-plans-price?hsLang=en-au)
- [Shop](https://shop.kokipay.com/)
[Sign up](https://kokipay.com/signup?hsLang=en-au) [Get started](https://kokipay.com/low-cost-eftpos#page-form)
Menu
Payments
[Low Cost EFTPOS](https://kokipay.com/low-cost-eftpos?hsLang=en-au) [Super Saver EFTPOS](https://kokipay.com/eftpos-saver?hsLang=en-au) [Mobile Tap to Pay](https://kokipay.com/mobile-tap-to-pay?hsLang=en-au)
POS & Ordering
[Smart POS](https://kokipay.com/pos-point-of-sale?hsLang=en-au) [Online Ordering](https://kokipay.com/online-ordering?hsLang=en-au) [QR & Table Ordering](https://kokipay.com/qr-code-table-online-ordering-system?hsLang=en-au) [Delivery](https://kokipay.com/delivery?hsLang=en-au) [Kitchen Display](https://kokipay.com/kitchen-display?hsLang=en-au) [Customer Display Screen](https://kokipay.com/customer-display-screen?hsLang=en-au) [Reservations](https://kokipay.com/reservations?hsLang=en-au) [Multi Location](https://kokipay.com/multi-location?hsLang=en-au) [Self Ordering Kiosk](https://kokipay.com/self-ordering-kiosk?hsLang=en-au) [Uber Eats Integration](https://kokipay.com/uber-eats-integration?hsLang=en-au)
Grow
[AI Google Reviews](https://kokipay.com/ai-google-reviews?hsLang=en-au) [Loyalty & Rewards](https://kokipay.com/loyalty-rewards?hsLang=en-au) [Targeted Promotions](https://kokipay.com/targeted-promotions?hsLang=en-au) [Marketing Campaigns](https://kokipay.com/marketing-campaigns?hsLang=en-au) [Gift Cards](https://kokipay.com/gift-cards?hsLang=en-au) [Staff Shift Management](https://kokipay.com/staff-shift-management?hsLang=en-au)
Industries
[Hospitality](https://kokipay.com/eftpos-for-hospitality?hsLang=en-au) [Retail](https://kokipay.com/eftpos-for-retail?hsLang=en-au) [Hair & Beauty](https://kokipay.com/eftpos-for-hair-and-beauty-salons?hsLang=en-au) [Trades](https://kokipay.com/eftpos-for-trades?hsLang=en-au)
More
[Pricing](https://kokipay.com/pos-plans-price?hsLang=en-au) [Shop](https://shop.kokipay.com/)
[Get started](https://kokipay.com/low-cost-eftpos#page-form)
1. [Home](https://kokipay.com/?hsLang=en-au)
2. 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
[Begin Signup](https://kokipay.com/low-cost-eftpos#page-form) [See Super Saver EFTPOS](https://kokipay.com/eftpos-saver?hsLang=en-au)
Low Cost flat rate on every one of these cards
Domestic cards
- Visa
- Mastercard
- eftpos
International cards
- Visa
- Mastercard
- UnionPay
American Express is also accepted, at a separate rate.
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 low cost flat rate on domestic Visa, Mastercard and eftpos cards, and international Visa, Mastercard and UnionPay cards, on a modern touchscreen terminal that works standalone or integrates with Kokipay Smart POS.
### Key facts
- Low cost flat rate 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.
We’ve got you covered
## Solutions ready for your industry
### [ Hospitality → Pay at table, split bills and tipping for restaurants, cafes and bars.](https://kokipay.com/eftpos-for-hospitality?hsLang=en-au)
### [ Retail → Counter and mobile EFTPOS that keeps the queue moving.](https://kokipay.com/eftpos-for-retail?hsLang=en-au)
### [ Hair & Beauty → Take payments at the counter or right at the chair.](https://kokipay.com/eftpos-for-hair-and-beauty-salons?hsLang=en-au)
### [ Trades → Get paid on site the moment the job is done.](https://kokipay.com/eftpos-for-trades?hsLang=en-au)
EFTPOS terminals
## Choose your Kokipay EFTPOS terminal
Both terminals get the same low cost 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](https://kokipay.com/low-cost-eftpos#page-form)
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
- Telstra 4G, Wi-Fi and Bluetooth
- Rechargeable battery and charging base
Terminal rental**$28** /month ex GST
[Choose this terminal](https://kokipay.com/low-cost-eftpos#page-form)
**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.
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.
[Request a Callback](https://kokipay.com/low-cost-eftpos#page-form)
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.
[Enquire Now](https://kokipay.com/low-cost-eftpos#page-form)
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.
[Enquire Now](https://kokipay.com/low-cost-eftpos#page-form)
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](https://kokipay.com/mobile-tap-to-pay?hsLang=en-au)
How signup works
## Three steps to lower EFTPOS fees
Our team will guide you at every step, with regular email and SMS updates.
1. 1
### Begin your signup
Complete the short form on this page to start your signup.
2. 2
### 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.
3. 3
### EFTPOS delivered and installed
Your EFTPOS terminal is delivered and installed, and you can start saving.
[Begin signup](https://kokipay.com/low-cost-eftpos#page-form)
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 low cost flat rate on domestic Visa, Mastercard and eftpos cards, and international Visa, Mastercard and UnionPay cards, terminal rental from $17 per month (ex GST) and no lock-in contract. If you only take occasional payments, [Mobile Tap to Pay](https://kokipay.com/mobile-tap-to-pay?hsLang=en-au) 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?
On 1 October 2026, eftpos, Visa and Mastercard introduced no-surcharge rules in Australia following the Reserve Bank of Australia’s review of retail payments, and American Express, UnionPay and PayPal said they would 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’s Low Cost EFTPOS matters more than ever. See the [RBA’s FAQs](https://www.rba.gov.au/payments-and-infrastructure/review-of-retail-payments-regulation/2026-03/conclusions-paper/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.
Next-gen EFTPOS
## Ready to take your business to the next level?
Reach out to us, and we'll give you all the information you need to make an informed decision. We're confident you'll be impressed with our service.
[Get Started](https://kokipay.com/low-cost-eftpos#page-form)
Step 1 of 3
## Begin your signup
Tell us about your business to start. You will then receive an email to complete your business details, KYC and payout bank details, and our team will guide you at every step.
- Local Australian team on standby
- No lock-in contracts
- $0 Advanced Smart POS software
- $0 Online and QR ordering
[](https://kokipay.com/?hsLang=en-au)
Payments made simple: low cost EFTPOS, free POS software and free online ordering for Australian businesses.
Sydney / Melbourne / Adelaide / Perth / Brisbane / Cairns / Darwin / Hobart
Smart POS app: [App Store](https://apps.apple.com/us/app/kokipos/id6792234992) [Google Play](https://play.google.com/store/apps/details?id=com.hospitalityos.pos)
### Payments
- [Low Cost EFTPOS](https://kokipay.com/low-cost-eftpos?hsLang=en-au)
- [Super Saver EFTPOS](https://kokipay.com/eftpos-saver?hsLang=en-au)
- [Mobile Tap to Pay](https://kokipay.com/mobile-tap-to-pay?hsLang=en-au)
- [K156 Smart POS + EFTPOS](https://kokipay.com/smart-pos-k156-full-hd?hsLang=en-au)
- [K156D Dual-Screen + EFTPOS](https://kokipay.com/smart-pos-k156-dual-screen?hsLang=en-au)
- [Shop](https://shop.kokipay.com/)
### POS & Ordering
- [Smart POS](https://kokipay.com/pos-point-of-sale?hsLang=en-au)
- [Online Ordering](https://kokipay.com/online-ordering?hsLang=en-au)
- [QR & Table Ordering](https://kokipay.com/qr-code-table-online-ordering-system?hsLang=en-au)
- [Delivery](https://kokipay.com/delivery?hsLang=en-au)
- [Kitchen Display](https://kokipay.com/kitchen-display?hsLang=en-au)
- [Customer Display Screen](https://kokipay.com/customer-display-screen?hsLang=en-au)
- [Reservations](https://kokipay.com/reservations?hsLang=en-au)
- [Multi Location](https://kokipay.com/multi-location?hsLang=en-au)
- [Self Ordering Kiosk](https://kokipay.com/self-ordering-kiosk?hsLang=en-au)
- [Uber Eats Integration](https://kokipay.com/uber-eats-integration?hsLang=en-au)
- [Pricing](https://kokipay.com/pos-plans-price?hsLang=en-au)
### Grow
- [AI Google Reviews](https://kokipay.com/ai-google-reviews?hsLang=en-au)
- [Loyalty & Rewards](https://kokipay.com/loyalty-rewards?hsLang=en-au)
- [Targeted Promotions](https://kokipay.com/targeted-promotions?hsLang=en-au)
- [Marketing Campaigns](https://kokipay.com/marketing-campaigns?hsLang=en-au)
- [Gift Cards](https://kokipay.com/gift-cards?hsLang=en-au)
- [Staff Shift Management](https://kokipay.com/staff-shift-management?hsLang=en-au)
### Industries
- [Hospitality](https://kokipay.com/eftpos-for-hospitality?hsLang=en-au)
- [Retail](https://kokipay.com/eftpos-for-retail?hsLang=en-au)
- [Hair & Beauty](https://kokipay.com/eftpos-for-hair-and-beauty-salons?hsLang=en-au)
- [Trades](https://kokipay.com/eftpos-for-trades?hsLang=en-au)
### Legal
- [Privacy Policy](https://kokipay.com/privacy-policy?hsLang=en-au)
- [Terms and Conditions](https://kokipay.com/terms-and-conditions?hsLang=en-au)
- [Licence Agreement](https://kokipay.com/end-user-licence-agreement?hsLang=en-au)
- [Delivery Policy](https://kokipay.com/delivery-policy?hsLang=en-au)
- [Warranty & Replacement](https://kokipay.com/warranty-policy?hsLang=en-au)
- [Return & Refund](https://kokipay.com/return-n-refund?hsLang=en-au)
© 2026 Kokipay. All rights reserved. ABN 20 669 515 940
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