Smartpay (Shift4)

Rented terminalNo relationship

In-person payments

Custom quote

est. card acceptance cost inc-GST at $42,500/mo card volume

Get a quote

Offers a 'Zero Cost EFTPOS' surcharge model and a Simple Flat quote — note surcharging is banned from 1 Oct 2026.

Typical use case: Merchants considering a 'zero cost' surcharge model (ending 1 Oct 2026) or a simple flat quote. (as positioned by the provider)

Compare with alternatives

Square

Cafes, retail and pop-ups that want an all-in-one till, hardware and a quick online store with no lock-in.

$680.00/mo/mo inc-GST

Zeller

Australian SMEs wanting a single flat rate, free business account and no monthly fees.

$595.00/mo/mo inc-GST

Tyro

Hospitality and retail wanting deep POS integrations and least-cost routing.

$577.25/mo/mo inc-GST

CommBank Smart

CommBank business customers wanting same-day settlement to their own account.

$467.50/mo/mo inc-GST

NAB

NAB business customers wanting bank-grade EFTPOS with interchange-linked pricing.

$513.75/mo/mo inc-GST

Compayr may earn a referral fee when a merchant switches via our links. This never affects rankings, which are based purely on lowest card processing costs. Quote-only providers are never ranked as cheapest while a complete-cost option exists. Rates last verified 2026-09-03. Confirm current pricing with Smartpay (Shift4). We compare one standard published plan per provider; promotional and individually negotiated rates are excluded. Some providers pay Compayr a referral fee if you switch through our link; this never affects our comparison, which is ordered purely on lowest estimated card acceptance cost.