Tap to Pay on the EFTPOS Air app
Take secure in-person payments with EFTPOS Air on your compatible phone or tablet.¹˒²
Once approved, start taking payments instantly
No extra hardware needed
Once your application is approved, download the EFTPOS Air app on your compatible device¹. Easy.
Simple costs
No setup costs, monthly fees or lock-in contracts. Just pay 1.4% per transaction.³
Avoid long queues
Multiple users can take payments simultaneously.
Receive funds same day
Keep your cash flowing with nightly settlement of funds into your Westpac business account.⁴
Safe, secure and supported
With round-the-clock support, rest assured we've got you covered when you're taking payments on the go.
Data defence
Payment data is encrypted in the same way as it is for an EFTPOS machine.
24/7 assistance
Get support via the Westpac Merchant Helpdesk on 1800 029 749.
Built to do business
EFTPOS Air is flexible enough to integrate seamlessly into the way you do business.
- Accept all major card types – eftpos, Mastercard® and Visa plus digital wallets.
- Record cash transactions – And let customers split payments between cash and card.
- Set automatic card surcharging – To help recover transaction costs.
- Integrate with Xero – Simplify payment reconciliation with automatic synchronisation of invoices, payments, and customers to your Xero account.
- Preload products and services – Set up your products in advance for quick selection or enter amounts manually.
- See sales insights – View sales reporting, top sellers, and more to help your business grow.
- Store customer details – Assign a customer to a sale to easily send receipts or invoices, and view sales history.
- Customised invoices and quotes – Add your business information, logo, custom messaging, and more.
- Send branded receipts – Instantly send receipts via SMS or email straight from the EFTPOS Air app and portal.
- Add multiple users6 – Allow your staff to take payments simultaneously and track the sales from each user.
- Manage multiple locations – See transactions and reporting for all of your EFTPOS Air facilities in one place via the portal.
- Enable sales tagging – Set up auto-tagging on each device to streamline sales reconciliation across different events, locations, or shifts.
- Generate and export reports – Use the EFTPOS Air Portal to export transactions and reports for reconciliation.
- Access in-app tutorials – Learn how to make the most of all EFTPOS Air has to offer.
- Get answers online – Via the dedicated EFTPOS Air Support Centre.
- Speak to us – Our Australia-based Merchant Helpdesk is available 24/7, on 1800 029 749.
EFTPOS Air makes it easy to get paid
Whether you're a tradie, stallholder or barista, EFTPOS Air is a simple solution that'll keep the payments flowing, whatever the day throws at you.
Benefits businesses on the go
EFTPOS Air is a convenient way for mobile businesses such as trades, food trucks and market stalls to take payments. It’ll also suit cafés, gyms, sports clubs and associations running events.
Provides a back-up for busy times
Use EFTPOS Air alongside your EFTPOS terminal during busy periods. Or, have your phone on hand as a back-up in case your terminal becomes unavailable.
Watch EFTPOS Air unpacked
See what EFTPOS Air is all about - in just over a minute.
Get started with EFTPOS Air
Before you apply, you’ll need to have a Westpac business transaction account to receive settlements into.
1. Open
If you don't have a Business Transaction account yet, open a Business One, Business One Plus or Community Solutions Account.5
2. Apply
Apply online for an EFTPOS Air merchant facility if you are a sole trader, company or association.
For other business types such as partnerships and trusts, please call us on 1800 029 749 (8am-8pm, Sydney time, Mon-Fri).
Applications for EFTPOS Air are typically reviewed within one business day.
3. Download
Once approved, download the EFTPOS Air app to your compatible device and log in to start taking payments.
Open a Westpac business account for same-day settlement
You'll need to have a Westpac business transaction account to receive settlements into.
Business One
$0 monthly fee account
Good if you mainly bank online.
- $3 per staff-assisted transactions made in branch
Business One Plus
$10 monthly fee account
Good if you occasionally bank in branch.
- 25 free staff-assisted transactions a month in branch
How EFTPOS Air helps businesses like yours
"It’s very easy to set up and use the app, and we didn't need to buy any external devices. We didn't need to learn anything new to be able to operate this.”
Gabrielle Head, NSW Guide Leader
“[Tap to Pay on iPhone] and the EFTPOS Air [app] really helped me to have my day off again. I used to ask clients to transfer money to me. By the time I texted my bank details, it was a few days after I’d provided the service, then it would take a few days to receive the money. With EFTPOS Air, it’s immediate and it’s perfect.”
By Lowri
“The app is great for busy times as it helps our team serve customers faster. It allows me to accept payments both in the cafe and at our market stall.”
Ron Danieli, founder of Danieli Cafe, The Rocks, Sydney
FAQs about our mobile EFTPOS app
Sole Traders, Company and Association business types can apply for EFTPOS Air online here. Please give us a call on 1800 029 749 (8am-8pm (Sydney time), Mon-Fri) to apply for other business types.
If you are a not-for-profit organisation and would like to discuss our exclusive rates, please call us on 1800 029 749. Alternatively, find out more here.
The EFTPOS Air app is free to download. All you pay is a 1.4% transaction fee when you use the app to accept card and mobile device payments.3
Tap to Pay on iPhone requires iPhone XS or later running iOS 16.4 or later and a supported payment app. The device must be logged into iCloud and set with Face ID, Touch ID or Passcode. Some contactless cards may not be accepted by your payment app.
Android phones and tablets will need to be Near Field Communication (NFC) enabled and running on one of the supported Android Operating Systems (OS) listed at https://help.eftposair.westpac.com.au/compatibility/, which may change from time to time.
EFTPOS Air payments are processed by Westpac using security features that have been specifically developed to enable mobile transactions. Payments made through your mobile device will be just as secure as those made through our physical EFTPOS machines.
If your device is lost or stolen, password protection and the ability to sign out remotely from the EFTPOS Air Portal will help protect you against fraud.
You’ll need an Internet connection on your device to take payments. EFTPOS Air can connect through 4G, 5G and Wi-Fi.
Yes, you can use EFTPOS Air to track your cash payments and calculate change.
No. If all you want to do is take payments, choose Simple Mode rather than Retail Mode.
You’ll need to have a Westpac business transaction account to receive settlements into.
If you don't have one yet, open a Business One, Business One Plus or Community Solutions Account.5
Yes, EFTPOS Air allows you to accept payments across multiple devices and users at the same time. When applying, you can select how many users you want to accept payments at the same time. If you already have EFTPOS Air, please call us on 1800 029 749 (Mon-Fri, 8am-8pm Sydney time). Alternatively, request a callback for our team to contact you directly. Once set up, you can use the EFTPOS Air Portal and App to manage your users, roles, and permissions.
No, EFTPOS Air can only accept in-person contactless card payments. If you’d like to accept manual entry or MOTO payments, please call us on 1800 029 749 (Mon- Fri, 8am-8pm Sydney time) to discuss our other payment solutions.
You can sign in to Xero via the EFTPOS Air app, which securelyconnects EFTPOS Air to your Xero account. This allows you to automatically synchronise your invoices, payments and customers to Xero - making reconciliation easy, visit the EFTPOS Air Help Centre for more information.
Merchant support & stationery
- Visit the EFTPOS Air support centre
- Call 1800 029 749 for 24/7 tech support
- Get help choosing a payment solution
- Compare EFTPOS solutions
Helpful information
Things you should know
Eligibility criteria, terms and conditions apply for EFTPOS Air.
This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it. Read the disclosure documents for your selected product or service, including the Terms and Conditions or Product Disclosure Statement and consider whether the product or service is right for you.
2. Mobile coverage: Internet connection is required to take payments.
3. 1.4% flat rate pricing: Applies to eftpos, Mastercard and Visa payments by card, mobile wallet, or wearable.
5. Business Transaction accounts: Before making a decision about any of our Business Transaction Accounts, please read the terms and conditions available at westpac.com.au/transaction-accounts. Fees may be incurred for certain electronic transactions such as foreign transactions and withdrawals from some overseas ATMs. Customers must be able to meet any applicable fees and charges. For a complete view of fees, please refer to our Terms and Condition (PDF 830KB).
Read the Westpac Online Banking Terms and Conditions (PDF 1MB) before making a decision. Not all accounts are eligible to be included in a bank feed. Not all third-party service providers support bank feeds for all accounts.
Bank feeds must be set up with third-party service provider before it can be connected in Westpac Online Banking. If your third-party service provider doesn’t appear in the drop-down menu in Westpac Online Banking, you may need to check that your third-party service provider is registered with Westpac. Should there be any changes to your user access or network access levels, you may need to disconnect your bank feed(s) as any access changes won’t impact bank feeds. The products and services offered by third-party service providers are subject to their own terms and conditions and fees and charges. Westpac doesn’t guarantee or endorse the services or products offered by third-party service providers.
6. When applying for EFTPOS Air, you can nominate the number of users that will be taking payments at the same time. If you already have EFTPOS Air and require additional users to take payments, please call us on 1800 029 749 (8am-8pm Sydney time, Mon-Fri).
Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
Visa® is a registered trademark of Visa International Service Association.