Smartpay (Shift4)
- In-person rate
- Surcharge-pass or quote
- Online rate
- Custom quote
- Monthly fee
- Varies by plan
- Terminal cost
- Rental
- Contract length
- No lock-in
- Settlement time
- Next business day
- Est. monthly cost
- —
Smartpay (Shift4)
Surcharging-first EFTPOS with no-bill Low Cost EFTPOS Pass option.
- In-person rate
- Surcharge-pass or quote
- Online rate
- Custom quote
- Monthly fee
- Varies by plan
- Contract
- No lock-in
Best for
Businesses comfortable surcharging customers to eliminate merchant fees.
Pricing breakdown
Every fee we track, grouped by where it applies.
In-person payments
EFTPOS terminal and tap-to-pay transactions.
- Transaction rate
- Surcharge-pass or quote
Low Cost EFTPOS Pass: customer pays surcharge, merchant pays $0. Pay plan: monthly fee, custom quoted.
- Monthly fee
- Varies by plan
- Terminal cost
- Rental
- Setup fee
- Custom quote
Online payments
Online checkout and keyed-in card transactions.
- Transaction rate
- Custom quote
- Monthly fee
- Varies by plan
- Setup fee
- Custom quote
Other fees
- Chargeback fee
- Custom quote
- AMEX rate
- Custom quote
- International card surcharge
- Custom quote
- Early termination fee
- None
No lock-in contracts.
- Instant payout fee
- Next business day
- Refund fee
- Quote
- PCI compliance fee
- Custom quote
Contract terms
- Contract length
- No lock-in
- Settlement time
- Next business day
- Least-cost routing
- Yes
- Recurring billing
- No
In-person EFTPOS focus.
Last verified 14 May 2026.
Accepted payment methods
Cards, wallets, and other methods supported by Smartpay (Shift4) for Australian merchants.
Cards
- Visa
- Mastercard
- EFTPOS
- AMEX
Digital wallets
- Apple Pay
- Google Pay
- Samsung Pay
Strengths and trade-offs
Pros
- Surcharge-pass model means merchant pays $0 transaction fees
- No lock-in contracts
- Next-business-day settlement
Cons
- Surcharging may impact customer experience
- No public bespoke pricing
About Smartpay (Shift4)
Smartpay (now operating as Shift4 in Australia) is best known for the Low Cost EFTPOS Pass, a customer-surcharge model where the merchant pays no transaction fees. Pricing is custom-quoted.
Smartpay (Shift4) was founded in 2003 and is headquartered in Sydney, Australia.
How Smartpay (Shift4) compares
Side-by-side with the closest alternatives by estimated monthly cost.
Zeller
$633/mo est.
- In-person rate
- 1.4%
- Online rate
- 1.7% + $0.25
- Monthly fee
- Free
- Terminal cost
- From $99
- Contract length
- No lock-in
- Settlement time
- Next business day
- Est. monthly cost
- $633/mo
Stripe
$723/mo est.
- In-person rate
- 1.7% + $0.30
- Online rate
- 1.7% + $0.30
- Monthly fee
- Free
- Terminal cost
- Hardware quoted
- Contract length
- No lock-in
- Settlement time
- Standard payouts
- Est. monthly cost
- $723/mo
Square
$757/mo est.
- In-person rate
- 1.6%
- Online rate
- 2.2%
- Monthly fee
- Free
- Terminal cost
- $65
- Contract length
- No lock-in
- Settlement time
- Next day
- Est. monthly cost
- $757/mo
Common questions about Smartpay (Shift4)
The same questions Australian merchants ask before signing up.
Smartpay (Shift4) does not publish a standard rate in Australia. Pricing is quoted based on your business size, industry, and card mix. Request a quote on their site, or use our free fee calculator to compare against providers that do publish rates.
Smartpay (Shift4) does not require a lock-in contract for Australian merchants. You can switch providers at any time without an exit fee.
Smartpay (Shift4) settles funds on a next business day schedule for Australian merchants. Settlement timing can be a deciding factor for cash flow, see how it compares on our payment-providers comparison page.
Smartpay (Shift4) AMEX pricing in Australia is not publicly listed. Ask their sales team whether AMEX acceptance and rates are included.
Yes. Smartpay (Shift4) offers least-cost routing in Australia, which can lower the cost of contactless debit transactions by routing them through the cheaper EFTPOS network. This is a real saving for busy retail and hospitality merchants.
Smartpay (Shift4) is best suited to businesses comfortable surcharging customers to eliminate merchant fees. To see how it stacks up for your specific volume and card mix, try our free fee calculator.
We may earn a commission when you click through to Smartpay (Shift4) and sign up, where a commercial arrangement is in place. This never affects ranking, the data we publish, or the comparisons we make on this page. Read our terms for the full picture.
Compare Smartpay (Shift4)
Compare Smartpay (Shift4) against every other Australian provider on price, contract terms, and features.