About
eftpos is Australia's domestic debit card network, run by Australian Payments Plus (AP+), the member-owned body formed in February 2022 by combining eftpos, BPAY and NPP Australia. Payments come straight from the cardholder's bank account by PIN, contactless, online or tokenised in Apple Pay, Google Pay and Samsung Pay. On dual-network debit cards, merchants can send the payment over eftpos rather than Visa or Mastercard (least-cost routing). As of 2026 AP+ says eftpos is available on over 70 million debit cards and digital wallets, and surcharges on eftpos cards are banned from 1 October 2026.
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