Any business with an average monthly card transaction turnover exceeding $10,000 can apply for OPT Zero Cost EFTPOS. If your monthly turnover falls below this threshold, you’ll incur a terminal rental fee of $34.95 + GST, but there will be no transaction fees.

We waive the $90 + GST setup fee when you join. You will only be charged this fee if you cancel within the first 12 months.

Many of our clients find that their customers accept a small surcharge. Surcharges have become common in industries such as bars, cafes, restaurants, automotive services, and professional services. We provide clear countertop signage with each terminal to ensure your customers are fully informed about the surcharge before completing their payment. The terminal also displays the surcharge amount separately when the customer confirms the total.

If a customer prefers not to pay the surcharge on a specific transaction, you have the option to absorb the surcharge by bypassing it on the terminal.

With OPT Zero Cost EFTPOS, you can accept EFTPOS, debit, Visa, and Mastercard. If you have an AMEX merchant ID, you can also process AMEX payments, although AMEX will still charge fees for those transactions.

No need to worry! OPT Zero Cost EFTPOS simplifies everything, so there’s no administrative work or manual calculations required on your part.

If you choose to handle your own surcharge, you'll need to:

- Calculate an acceptable surcharge that complies with the RBA’s standards, ensuring it doesn’t exceed the cost of accepting payments, or risk facing penalties.
- Continue paying transaction fees each month, and manage those fees to make sure your surcharge covers them.
- Spend extra time separating surcharge payments from your sales for accounting purposes.

With OPT Zero Cost EFTPOS, all this admin work is handled for you! However, if you prefer to control the surcharge yourself, we offer that option through our Simple Flat Rate add-on.

No worries—there’s no penalty for increased sales! In fact, the more you earn, the more you save on merchant fees.

No, OPT Zero Cost EFTPOS has no minimum contract term. If you cancel before 12 months, you’ll only need to pay the setup fee that was initially waived ($90 + GST).

Your funds are settled into your account the next business day. Monday through Thursday transactions are settled the following day, while Friday through Sunday transactions are settled on Monday. Availability depends on your bank's processing times.

You can choose any Australian business bank account for your settlements—there's no need to change your current bank.

No, there’s no terminal rental fee if you process $10,000 or more in card transactions within the month. If you don't meet this threshold, you’ll pay $34.95 (plus GST) per terminal for that month.

After your application is approved, your terminal will typically arrive within 5–9 business days.

Yes, paper rolls are charged at a low cost, with a fixed-rate delivery fee. You can conveniently order them online.

You’ll have access to our 24/7 technical support team. If your issue can’t be resolved over the phone, we’ll send you a replacement terminal at no extra cost.

No, your OPT terminal will automatically receive free security and software updates throughout the duration of your lease.