Tap to Pay on iPhone

Take in-person, contactless payments with just your iPhone and the EFTPOS Air app.¹˒²
Open EFTPOS Air

Accepting payments is easy

  • Take contactless payments from debit and credit cards, Apple Pay and other digital wallets and wearables
  • Simple set up with no additional hardware or plug-ins needed
  • Use as your main payment acceptance device or as an additional terminal for busy times
  • Same day settlement into your Westpac business account³
  • 1.4% per transaction with no upfront, contract or monthly fees.⁴

Privacy and security built-in

  • Tap to Pay on iPhone uses the built-in features of iPhone to help keep your business and customer data private and secure. When a payment is processed, Apple doesn’t store card numbers on the device or on Apple servers, so you can rest assured knowing your business, and your customers’ details, stay safe.

$100 bonus, just for using Tap to Pay on iPhone

Take payments the easy way with EFTPOS Air – and get $100 for taking $1,000 through the app. Must be within 30 days of merchant facility approval between 3 June and 30 September 2024. T&Cs apply.*

 

Apply for EFTPOS Air

Made to do business

Accept major card types

Take eftpos, Mastercard® and Visa payments including cards, Apple Pay, and other digital wallets.

Save time with optional POS features

Set up a handy product or service menu and benefit from useful sales insights all in the EFTPOS Air app.

Avoid long queues

Take payments simultaneously on multiple iPhones at the same time. Call 1800 029 749 to get started.

Enjoy the reassurance of 24/7 assistance

If our online support centre can’t help with your query, call us on 1800 029 749. 

Who’ll love Tap to Pay on iPhone and the EFTPOS Air app?

Businesses on the go

You want a simple, lightweight way to take payments in-store or in your mobile business.

Businesses wanting extra flexibility

You want an additional device for busy days and to keep trading during EFTPOS hardware or system outage.

How to get started

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 (takes around 1 business day) download the free EFTPOS Air app and log in to start taking payments with just your iPhone. EFTPOS Air requires iPhone XS or later running iOS 16.4 or later.

 

Open EFTPOS Air

Open a Westpac business account for same-day settlement

You'll need to have a Westpac business transaction account to receive settlements into.

$0 monthly fee

Business One

Great for start-ups and smaller businesses looking to mainly manage online.

  • $3 per staff-assisted transaction in branch
Apply online Explore Business One

$10 monthly fee

Business One Plus

Ideal for expanding businesses, looking for an account that can grow with them.

  • 25 free staff-assisted transactions a month in branch
  • Up to $10,000 in savings and discounts through our partner offers*
Apply online Explore Business One Plus

Hear from some of our EFTPOS Air users

"What's truly remarkable is how [Tap to Pay on iPhone] with EFTPOS Air has improved our customers' experience. They love the convenience of contactless payments and the flexibility it offers. This innovative solution has streamlined our payment processes and elevated customer satisfaction and trust.”

Cook Relocations

"Last year when we just had cash, we were counting coins and notes at the end of the day. It was awesome to just jump on the app and see how much money we’d raised. We’ll definitely use it for fundraising, and I’d definitely recommend it to others … it’s literally on your iPhone!“

Grays Point Activity Centre

“[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

Any questions?

Sole Traders, Company and Association business types can apply for EFTPOS Air online here. Please give us a call on 1800 029 749 to apply for other business types.

Not a Westpac business customer yet?

Before applying for EFTPOS Air, open an account to receive payments into.

Have you got a different device?

Explore EFTPOS Air for other compatible devices.

Learn more

Already a Westpac business customer?

If you already have a business account, apply online for an EFTPOS Air merchant facility:

Get started

Merchant support & stationery

Helpful information

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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.

 

* $100 Bonus Offer: Conditions, fees, charges, eligibility criteria and exclusions apply. Standard product terms and conditions also apply. To be eligible for the $100 Bonus Offer (Bonus Offer) you must have an application for a Westpac EFTPOS Air facility approved between 3 June 2024 and 30 September 2024 and have achieved $1,000 gross sales within 30 days of the EFTPOS Air application approval (Eligibility Criteria). Gross sales represent sales where a fee is charged on the value and/or number of sale transactions. The value and/or number of refund transactions are not included in the calculation. Gross sales exclude any payments taken using a merchant’s personal card. You are not eligible to receive the Bonus Offer if, in the last two years you have held, or you currently hold, any merchant facility with Westpac, St.George, Bank of Melbourne or BankSA. The $100 bonus will be paid to your Westpac business transaction account approximately 60 days after you meet the Eligibility Criteria. If you unsubscribe from receiving marketing offers, you will remain part of this Bonus Offer and payment of the Bonus Offer will only be made into your nominated billing account. Your EFTPOS Air facility must also be operational at the time of payment. This Bonus Offer is limited to only one successful application per customer. The payment represents a pre-paid volume rebate of the first $100 (including GST) of Merchant Service Fees charged to your account. This $100 bonus may have taxation implications. We recommend that you seek independent advice to determine any tax liability or other tax implications based on your individual circumstances. Westpac has the right to vary or withdraw the Bonus Offer at any time. All Westpac Group offers are subject to eligibility and only available if your account is open and remains in good standing.

 

1. Compatibility: Tap to Pay on iPhone requires iPhone XS or later running iOS 16.4 or later and a supported payment app. Some contactless cards may not be accepted by your payment app.


2. Mobile coverage: Internet connection is required to take payments.

3. Same day settlement:  Subject to system availability, settlement is performed directly after business day cut off. Business day cut-off for EFTPOS Air takes place 7-days a week at 8.50 pm (Sydney time). Settlement must be to an eligible Westpac business transaction account.
 

4. 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 539KB).

Read the Westpac Online Banking Terms and Conditions (PDF 555KB) 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.


Select the 'Find out more' buttons to check your eligibility for any of our transaction accounts. Find out what information you need to provide to become a Westpac customer.

Business Debit Mastercard® Terms and Conditions (PDF 171KB)


* Total partner value has been calculated assuming you take up all partner offers for the entire offer period. Where applicable, we have used the highest subscription offered for Samsung, an initial purchase of $4,000, followed by a subsequent $1,000 purchase. For Uber, an annual spend of $1,000 is considered. 

Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. 

 

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.