Westpac

Name: Westpac (In-person payments)
Brand: Westpac
Rating: 1.8 (290 reviews)

Rented terminal

In-person payments

1.8(290 reviews · ProductReview)

$486/mo

est. at typical volume

Interchange-linked major-bank pricing with sector plans (EFTPOS Flex) that benefits from the Oct 2026 cap cut.

Best for: Westpac business customers wanting EFTPOS Flex with sector-tuned plans.

Pricing & fees

Card rate1.2% inc-GST

Monthly fee$24.75/mo inc-GST

AmexVaries

Setup fee$0

Hardware from$0

Chargeback fee$25

International cardsVaries

SettlementSame day (to Westpac account)

Contract$24.75/mo rental; same-day settlement to a Westpac account.

Least-cost routingYes

Pros & cons

~1.2% inc-GST interchange-linked

Benefits from Oct 2026 cap cut

Sector-tuned plans

$24.75/mo rental

Chargeback fee applies

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.

$618/mo

Zeller

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

$541/mo

Tyro

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

$563/mo

CommBank Smart

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

$425/mo

NAB

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

$467/mo

All in-person providers Compare my rate

Compayr may earn a referral fee when a merchant switches via our links. This never affects rankings, which are based purely on lowest total monthly cost. Quote-only providers are never ranked as cheapest while a complete-cost option exists. Rates last verified 2026-07-19. Confirm current pricing with Westpac.