No Cost EFTPOS for Australian Businesses
Stop paying 1–2% on every card transaction. APS no cost EFTPOS lets you pass transaction fees to customers — so you keep 100% of every sale. ACCC-compliant, no lock-in contracts.
What is Surcharge / No Cost EFTPOS?
Turn transaction fees into customer-paid costs.
Instead of you paying 1–2% on every card transaction, APS terminals can automatically add a small surcharge for customers. That means you keep the full amount of every sale.
With card usage at an all-time high and processing fees eating into already slim margins, surcharging is one of the simplest ways for Australian businesses to protect profits without raising menu prices or product costs.
Is it legal?
Yes. Surcharging is fully legal in Australia under the Australian Consumer Law, provided the surcharge doesn't exceed the actual cost of accepting the payment. APS configures all rates to comply with ACCC guidelines — so you're always protected.
How much can you save?
A business processing $500,000 per year in card payments saves $7,500–$10,000 annually with no cost EFTPOS. The savings start from your very first transaction.
How It Works
It's simple, transparent, and fully compliant with Australian regulations.
Set Your Preferences
Choose fixed rate or percentage surcharge.
Customer Pays by Card
The surcharge is displayed clearly on the terminal.
Funds Are Settled
You receive 100% of your sale value, with no deductions.
Which Businesses Benefit Most?
No cost EFTPOS works for most Australian businesses. These industries see the biggest savings.
Cafés & Restaurants
High card transaction volume makes surcharging one of the most effective ways to protect margins without raising menu prices.
Retail Stores
Pass on card costs and stay price-competitive. Works across countertop, portable, and integrated POS setups.
Tradies & Service Businesses
Accept payments on-site with portable terminals and keep the full invoice amount — no deductions on labour or parts.
Fitness & Health Studios
High monthly recurring payments mean fees add up fast. No cost EFTPOS saves studios thousands per year.
Events & Ticketing
Surcharging is already standard in ticketing. APS makes it simple to implement and ACCC-compliant from day one.
High-Volume Businesses
A business processing $500,000 annually in card payments can save $10,000+ per year by switching to no cost EFTPOS.
Benefits of No Cost EFTPOS
Fully Configured for You
We set it up so you can simply plug in your terminal and start saving from day one.
Save Thousands Per Year
Even small fees add up. A business processing $500,000 annually could save $10,000+ just by passing on costs.
Automatic Processing
APS terminals calculate and apply surcharges instantly. No manual steps, no staff training headaches.
Immediate Impact
Your very first transaction under APS No Cost EFTPOS puts more back in your pocket.
Compliant by Design
APS ensures your surcharge rate is always set within ACCC guidelines, so you'll never exceed the allowable limits.
APS No Cost EFTPOS vs Other Providers
See how APS no cost EFTPOS compares to Tyro, Square, and CommBank.
| Feature | APSRecommended | Tyro | Square | CommBank |
|---|---|---|---|---|
| Terminal Cost | No upfront cost | Terminal rental fee | Terminal purchase required | Rental or purchase |
| Merchant Fees | $0 — all fees passed to customer | Monthly rental applies | No monthly fee | Monthly terminal rental |
| Transaction Fee | Passed to customer via surcharge | Merchant pays transaction % | 1.6–1.9% per transaction | Merchant pays fees |
| Lock-in Contract | No lock-in contract | Contract terms apply | No lock-in | No lock-in contract |
| Support | Australian-based support | Contact for details | Online/email support | Branch & phone support |
Comparison based on publicly available information. Contact providers directly for exact current pricing.
Use Cases
APS No-Cost EFTPOS works across industries where margins matter most.
Service Businesses
tradies and consultants ensure fees don't eat into earnings.
Cafés & Restaurants
protect profits without raising menu prices.
Retail Stores
pass on costs so you can stay competitive.
High-Volume Businesses
gyms, ticketing, and events save thousands each year.
What Australian Businesses Are Saving
Businesses across Australia are saving thousands every year by switching to no cost EFTPOS.
A café processing $500,000 annually in card transactions saved $10,000+ per year by passing on fees.
A small retail store processing $200,000 annually saved over $4,000 — enough to cover staff bonuses for the year.
The charges were high with the other provider — about $800 a month — which wasn't nice. Now with APS: no fees, saving a lot of money for me and financial benefits, plus reward points.
Charlie, Director — Battery Zone Frankston
Your Choice, Your Control
APS gives you full control. Surcharging is completely optional — choose how you apply it.
Apply it across all card payments.
Apply it to specific card types only.
Turn it off completely and absorb the cost yourself.
This flexibility means you can adapt as customer expectations or regulations evolve.
No Cost EFTPOS — Frequently Asked Questions
Everything you need to know about no cost EFTPOS and how it works for Australian businesses.
No cost EFTPOS is a payment arrangement where transaction fees are passed to the customer as a small surcharge instead of being paid by the merchant. The customer sees the surcharge clearly on the terminal screen before paying. The merchant keeps 100% of the sale amount with zero deductions.
Ready to Switch to Smarter EFTPOS?
Fill out the form and one of our EFTPOS specialists will be in touch to help you find the perfect solution for your business.
Prefer to talk?
1300 096 983
Email us at
info@aps.businessKeep More, Stress Less
APS No Cost EFTPOS is designed to protect your profit margins in the simplest way possible. Whether you're running a café, retail store, or service business, APS terminals handle the surcharge automatically so you can focus on growth — not fees.
