CommBank Smart Mini: a perfect mobile payments solution

Discover the seamless and secure way to accept card payments on the go.

When it comes to taking payments, your small business or side hustle needs to be more mobile and flexible than ever. However, many businesses find it difficult taking card payments on the go because of:

  • Expensive and bulky equipment
  • Complicated technology
  • High transaction fees
  • Processing delays that may impact cash flow

That’s why we designed CommBank Smart Mini. It’s a perfect mobile payment solution that can keep up with you and your customers.

What is Smart Mini?

Smart Mini is a small, compact card reader that allows you to take payments from anywhere, at any time.

Simply connect the Smart Mini to your smartphone or tablet using Bluetooth1 and start processing card transactions on the spot.

Why is Smart Mini a perfect mobile payment solution?

Smart Mini lets you take card payments wherever your business takes you. Whether you’re moving between your customers’ homes, or different markets in your area, it’s the perfect companion for mobile businesses like:

  • Tradies
  • Gardeners
  • Food trucks
  • Market stall operators

Simple to set up

Smart Mini is quick and easy to set up with low upfront hardware costs. Plus, it doesn’t require any technical skills to operate.

Smart Mini’s pocket-sized design means you can take it anywhere. And with an eight-hour battery life, you’ll be able to accept payments all-day long.

Once you’re set up, you can check your transactions in detail or at a glance through the Smart Mini Hub. These real-time insights will help you make quick and informed decisions.

Keep more of your money

Anyone who runs a business knows the pain of high transaction fees. If you pass fees onto customers, you risk losing them. If you absorb fees, it can reduce your profits.

The good news is Smart Mini fees are as low as 1.1% per transaction.2

Smart Mini also offers dynamic surcharging3, which lets you automatically apply pre-set surcharges to card transactions. This helps you save time and recover some of the costs of processing card payments.

Together, low fees and dynamic surcharging mean you’ll save more of your hard-earned money from each transaction.

Get paid, fast!

Did you know only 13% of all payments made in Australia in 2022 involved cash?4 Despite the move to cashless, many small businesses prefer cash because it gives them instant access to their money.

With Smart Mini, we process payments and deposit them into your linked Business Transaction Account5 the very same day for eligible customers.6 Other banks and payment solutions might not process card payments as quickly, which can impact your cash flow.

Give your customers more confidence

Your customers have never been more concerned about their card and data security. They want to know their transactions are being handled securely. A big part of this comes down to having confidence in the device that’s scanning their card. So you need to invest in trustworthy technology.

Smart Mini devices feature clear Commonwealth Bank branding. This reassures your customers that their transactions are being handled securely by Australia’s largest bank.

Boost your business with Smart Mini

The freedom to take payments anywhere with our reliable, portable payment solution.

Things you should know

As this information has been prepared without considering your objectives, financial situation or needs, you should, before acting on the information, consider its appropriateness to your circumstances. Please view our Merchant Agreement (PDF 357.78KB), Financial Services Guide (PDF87.76KB) and Operator and User Guides at our merchant support hub.

Smart Mini reader must be paired to a mobile or tablet device with Wi-Fi or 4G/3G connectivity.

1.1% covers Mastercard, Visa, AMEX, JCB, EFTPOS, and UnionPay transactions (JCB coming soon for Smart Mini, additional costs may apply for all other cards). AMEX is subject to approval, available to eligible customers only. Eligibility criteria, terms and conditions apply. Please contact AMEX for more information on 1300 363 614, available weekdays 8:00am to 6:00pm (Sydney/Melbourne time).

Surcharging is a useful tool to recover the costs of processing card payments in your business. However, the value of the surcharge must not exceed the value that it costs you to accept the transaction, you can find more information at How does surcharging work?

Reserve Bank of Australia, Cash Use and Attitudes in Australia, June 2023

A Business Transaction Account is required to settle your transactions, if you apply online through NetBank. You can choose to settle your transactions to an alternate account held with us or another financial service provider by calling our Merchant Sales team on 1800 730 554, any time after your application is finalised. Terms, conditions, fees and charges apply to Business Transaction Accounts and NetBank. Read the Terms and Conditions for Business Transaction and Savings Accounts (PDF 378.18KB) and the Electronic Banking Terms and Conditions (PDF 493.34KB) and consider whether these products are right for you. The target market for this product can be found within the product’s Target Market Determination.

Same-day settlement is available on all EFTPOS transactions made before 9:30pm (Sydney/Melbourne time) and all eCommerce transactions made before 5:30pm (Sydney/Melbourne time) for eligible customers with a CommBank Business Transaction Account and a linked CommBank merchant facility.