Smartpay (Shift4)
- In-person rate
- Custom quote
- Online rate
- Custom quote
- Monthly fee
- $100 + GST minimum per month
- Hardware cost
- Rental
- Contract length
- No lock-in
- Settlement time
- Next business day
- Est. monthly cost
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Smartpay (Shift4)
Smartpay (Shift4) is the Australian EFTPOS provider that now trades as Shift4, selling card terminals, integrated EFTPOS and phone payments on a single flat percentage rate quoted to each business.
Best for
Businesses that want one flat rate across every card type, a portable or integrated terminal and local support, with enough card volume to clear a monthly minimum fee.
- In-person rate
- Custom quote
- Online rate
- Custom quote
- Monthly fee
- $100 + GST minimum per month
- Contract
- No lock-in
Pricing breakdown
Every fee we track, grouped by where it applies.
In-person payments
EFTPOS terminal and tap-to-pay transactions.
- Transaction rate
One flat percentage rate across all standard card types including MOTO; the rate is not published. The surcharge-funded Low Cost EFTPOS Pass ended when the surcharge ban took effect on 1 October 2026. Source: shift4-au.com.au, read 2026-10-02.
- Monthly fee
- $100 + GST minimum per month
A minimum, not an extra charge: "A minimum monthly fee of $100 + GST applies. If the amount of merchant service fees paid is less than this amount then all you will be billed is the difference." No numeric value is stored, because adding it to the rate would double-count. Source: shift4-au.com.au, read 2026-10-02.
- Hardware cost
- Rental
- Setup fee
- Free
"$0 Set-Up Fees". Source: shift4-au.com.au, read 2026-10-02.
Online payments
Online checkout and keyed-in card transactions.
- Transaction rate
- Monthly fee
- $100 + GST minimum per month
A minimum, not an extra charge: "A minimum monthly fee of $100 + GST applies. If the amount of merchant service fees paid is less than this amount then all you will be billed is the difference." No numeric value is stored, because adding it to the rate would double-count. Source: shift4-au.com.au, read 2026-10-02.
- Setup fee
- Free
"$0 Set-Up Fees". Source: shift4-au.com.au, read 2026-10-02.
Other fees
- Chargeback fee
- AMEX rate
- International card surcharge
- Early termination fee
- None
No lock-in contracts.
- Instant payout fee
- Next business day
- Refund fee
- Quote
- PCI compliance fee
Contract terms
- Contract length
- No lock-in
- Settlement time
- Next business day
- Least-cost routing
- Yes
- Recurring billing
- No
In-person EFTPOS focus.
How Smartpay (Shift4) compares
All prices in AUDPrices checked
Side-by-side with the closest alternatives by estimated cost.
Based on $15,000/mo card volume at a $50 average transaction, 70% in person and 30% online.
Square
$267/mo est.
- In-person rate
- 1.6%
- Online rate
- 2.2%
- Monthly fee
- Free
- Hardware cost
- $65
- Contract length
- No lock-in
- Settlement time
- Next day
- Est. monthly cost
- $267/mo
Zeller
$248.25/mo est.
- In-person rate
- 1.4%
- Online rate
- 1.75% + 25c
- Monthly fee
- Free
- Hardware cost
- From $99
- Contract length
- No lock-in
- Settlement time
- Next business day
- Est. monthly cost
- $248.25/mo
Stripe
$295.50/mo est.
- In-person rate
- 1.65% + $0.10
- Online rate
- 1.65% + $0.30
- Monthly fee
- Free
- Hardware cost
- From $89
- Contract length
- No lock-in
- Settlement time
- Standard payouts
- Est. monthly cost
- $295.50/mo
Common questions about Smartpay (Shift4) for payment providers
The same questions Australian merchants ask before signing up.
Shift4, formerly Smartpay, charges one flat percentage rate across all standard card types, including phone (MOTO) payments, but it does not publish that rate: it is quoted to each business. Ask for the rate in writing and compare it with the published flat rates in our table.
Both plans worked by passing the merchant fee to the customer as a surcharge. Surcharging on eftpos, Mastercard and Visa cards became illegal on 1 October 2026, so Shift4 switched surcharging off on its terminals and moved those merchants onto its Low Cost EFTPOS plan, where the business pays the merchant service fees.
Shift4 charges a minimum monthly fee ($100 + GST minimum per month). It is a floor rather than an extra charge: if the merchant service fees you pay in a month come to less, you are billed the difference. A business with low card volume therefore pays more than the rate alone suggests.
Yes. Shift4 (formerly Smartpay) terminals support least-cost routing for eligible contactless debit transactions, routing them through the eftpos network when it results in a lower fee.
Not as a separate product. Shift4's Australian range is in-person EFTPOS: terminals, a credit card reader and phone (MOTO) payments keyed on the terminal. A business that also sells online needs a second provider for its website checkout.
No. Shift4 (formerly Smartpay) has no lock-in contracts, so you can leave without an early termination fee.
Shift4 suits in-person businesses, from hospitality to trades, that want one flat rate across every card type, a portable or integrated terminal and 24/7 local support, with enough card volume to clear the monthly minimum fee. A business that also sells online will need a second provider.
Strengths and trade-offs
Pros
- One flat rate across standard card types, including phone (MOTO) payments
- No lock-in contract and no set-up fee
- Free 4G SIM alongside WiFi, and 24/7 local support
- Next-business-day settlement
Cons
- Rate is quoted, not published
- Minimum monthly fee, so a low-volume business pays the difference
- In person only: no online checkout or payment links
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
About Smartpay (Shift4)
Smartpay (Shift4) is an Australian EFTPOS provider, now trading as Shift4 as part of the global Shift4 payments group. It sells portable terminals, a credit card reader, integrated EFTPOS and phone (MOTO) payments on one flat percentage rate across standard card types, quoted per business, with no lock-in contract and no set-up fee. A minimum monthly fee applies: if your merchant fees for the month come to less, you are billed the difference. Its surcharge-funded Low Cost EFTPOS Pass ended when surcharging on eftpos, Mastercard and Visa became illegal on 1 October 2026.
Smartpay (Shift4) was founded in 2003 and is headquartered in Sydney, Australia.
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