Smartpay (Shift4)

Name: Smartpay (Shift4) (In-person payments)
Brand: Smartpay (Shift4)
Rating: 3.6 (260 reviews)

Rented terminal

In-person payments

3.6(260 reviews · ProductReview)

Custom quote

est. at typical volume

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

Best for: Merchants considering a 'zero cost' surcharge model (ending 1 Oct 2026) or a simple flat quote.

Pricing & fees

Card rateSurcharge model / quote

ContractTerminal provided on plan; surcharge model ends 1 Oct 2026.

Pros & cons

Zero-cost model (pre-Oct 2026)

Free terminal on plans

AU support

Surcharge model ends 1 Oct 2026

Flat plan is quote-based

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 Smartpay (Shift4).