Low 1.1% flat-rate transaction fee^

Or custom pricing transaction fees – tailored plan when you apply

$29.50 per month terminal rental fee

 

Apply online

The Smart terminal is a sleek machine, with a touchscreen and a border with the CommBank logo.

There's more to love with Smart

Enriched native features

Surcharging, tipping, digital receipts, and a Lite POS to help manage payments easily.1

Stay up & running

Enhanced connectivity with Dual SIM and Wi-Fi.3

Manage business cash flow

Enjoy same day settlement on all sales your business makes, 365 days a year.4

Portability

Take payments at the table, in-store, on the road or wherever your customers are.

Personalise the experience

Access apps to provide a better experience for you and your customer.2

Designed for an inclusive experience

Facilitate payments with accessibility mode and tactile indicators for people living with low vision or motor impairment.

Pricing

  • Hardware

    $29.50 per month
    Rental fee per terminal

    $0 joining fee
    With no lock-in contracts5

    Non-return fee
    If you don't return your terminal when you finish your plan, or it is damaged, you may be charged $500 per terminal

  • Processing rates

    1.1% per transaction
    On all Mastercard, Visa, AMEX, JCB, eftpos, and UnionPay transactions

    or

    Custom pricing
    Tailored transaction fees for your business

    Investigation fee
    $30 chargeback fee will cover the investigation if a customer disputes a transaction

Compare all terminals

Smart

A smarter way to take payments, with a sleek, all-in-one EFTPOS terminal

$29.50 per month to rent

1.1% flat rate transaction fee, or

Custom transaction fee pricing

Mastercard Visa American Express JCB Eftpos UnionPay

Features

  • POS integration

  • Dual SIM

  • Wi-Fi

  • 4G/3G

  • Surcharging

  • Tipping

  • Merchant Portal/Hub

  • App Marketplace

  • Digital receipts

  • Split billing

Apply now

Smart Mini

The freedom to take payments on the go with our portable payment solution.

$59 outright

1.1% flat rate transaction fee

Mastercard Visa Amex JCB Eftpos UnionPay

Features

  • POS integration

  • Dual SIM

  • Wi-Fi6

  • 4G/3G6

  • Surcharging

  • Tipping

  • Merchant Portal/Hub

  • App Marketplace

  • Digital receipts

  • Split billing

Explore

Smart Integrated

Integrate with your POS vendor in-store via a secure wired connection

$29.50 per month to rent

1.1% flat rate transaction fee, or

Custom transaction fee pricing

Features

  • POS integration

  • Dual SIM

  • Wi-Fi

  • 4G/3G

  • Surcharging

  • Tipping7

  • Merchant Portal/Hub

  • App Marketplace

  • Digital receipts

  • Split billing7

Explore

Essential Plus

Versatile and seamless integration with your POS vendor in-store

$29.50 per month to rent

Custom transaction fee pricing 

Mastercard Visa American Express JCB Eftpos Union Pay

Features

  • POS integration

  • Dual SIM

  • Wi-Fi

  • 4G/3G

  • Surcharging7

  • Tipping7

  • Merchant Portal/Hub

  • App Marketplace

  • Digital receipts

  • Split billing7

Explore

How to apply

Gather your documents:

  • Business contact information, including phone and email
  • Australian Business Number (ABN), business structure and registered address
  • Financial information, including monthly turnover and average card transaction sizes
  • Details of every director, partner or trustee depending on your business structure. This includes birth date, residency and occupation information.

Apply online if:

  • You're a sole trader or own a private company and are registered with ASIC
  • You want 1.1% flat rate transaction pricing and you make no more than $1,000,000 per year in card transactions
  • You need up to 5 EFTPOS terminals
  • You want to settle to a CommBank Business Transaction Account.8

Apply now

Speak to us if:

  • You would like to explore custom pricing or 1.1% flat rate transaction pricing
  • You want to settle to a non CommBank account
  • You're already using a CommBank EFTPOS terminal to take payments.

Request a callback

Call 1800 730 554

Customise your terminal

Smart Sync app

  • Get real-time transaction data with the Smart Dash portal
  • Seamless POS integration

Smart Hospitality app

  • Split bills by item, amount or number of people
  • Customisable tipping 

Smart Giving app for charities & not for profits

  • Pre-set donation amount or allow donors to choose
  • Print donation receipts

Learn about App Marketplace

We're here if you need us

24/7 Australian-based support

Whenever you need us, we have our specialists on standby. We’ll even give you complimentary training on how to use your new terminal.

Protecting you and your customers

Fraud protection to help protect you, your business and your customers.

Accidents happen but we’re ready

If anything happens to your EFTPOS terminal, we’ll get you a replacement within four hours.9

Merchant support hub

Things you should know

  • As this advice 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)Financial Services Guide (PDF) and Operator and User Guides at our merchant support hub.

    1.1% covers Mastercard, Visa, AMEX, JCB, eftpos, and UnionPay transactions (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 8am to 6pm Sydney time.

    1 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 commbank.com.au/surcharging.

    Split billing available via an app.

    3 Subject to network coverage and compatible areas.

    4 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.

    5 For Interchange pricing a joining fee may apply if you settle to another financial provider.

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

    7 Available via an accredited POS vendor that provides the feature.

    8 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 Payment Solutions 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) and the Electronic Banking Terms and Conditions (PDF) 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.

    9 Replacement within 4 business hours in all locations except remote areas. 3 to 5 business days for remote areas. A remote area is not serviced by a technician and only phone support is available.

    Mastercard and the Mastercard brand mark are registered trademarks of Mastercard International Incorporated. American Express is a trademark of American Express. Visa is a registered Trademark of Visa in the United States. JCB is a registered trademark of JCB International. Union Pay is a registered trademark of UnionPay International Co., Ltd. Eftpos is a registered trademark of eftpos Payments Australia Ltd. Verifone is a registered trademark of VeriFone Inc.