STOP OVERPAYINGON EFTPOS FEES.
YOUR BUSINESS DESERVES A BETTER RATE.
Compare your current EFTPOS rate with competitive options from multiple payment providers. Surpass works with leading Australian payment processors to find your business a better deal.
Takes around 10 seconds. No obligation.
One flat rate covers all major cards
The Problem
Most businesses overpay on EFTPOS
without even knowing it.
EFTPOS fees aren't always transparent. Here's why your current rate might be costing you more than it should.
Hidden Rate Markups
Many providers add margin on top of the base interchange rate. You could be paying more than you realise on every single transaction.
Complex Statements
Merchant statements are hard to read. Different rates for different card types, surcharges, terminal fees — it all adds up silently.
Set and Forget
Businesses often sign up years ago and never review their rate. Provider loyalty rarely rewards you with better pricing over time.
Free Rate Assessment
See what rate your business
could qualify for.
Enter your approximate card turnover and we'll assess what merchant pricing may be available across multiple providers.
EFTPOS Rate Assessment
Enter your details to see your EFTPOS rate
Tell us about your business and your approximate card turnover. We'll show you what merchant rate your business could qualify for.
The Surpass Offer
Rate from
0.9%*
EFTPOS terminal
FREE*
Monthly terminal rental
$0*
How It Works
We compare. You save.
We handle the rest.
Surpass is your merchant services advisor. We don't just sell you a terminal — we compare providers, negotiate your rate, and support you ongoing.
Assess Your Rate
Enter your approximate card turnover. We assess what merchant pricing your business may qualify for across multiple providers.
Statement Review
Upload your current merchant statement. Our payments team reviews your existing pricing for an accurate comparison.
Negotiate Better
We leverage our relationships with multiple payment providers to negotiate the most competitive rate for your business profile.
Terminal Supply
Eligible merchants receive an EFTPOS terminal with $0 monthly rental. We handle the application, not just ship a box.
Installation
Surpass installs, configures and tests your EFTPOS terminal on-site. We integrate with your POS where supported.
Ongoing Support
One company, one point of contact. Australian-based support stays with you long after installation day.
Why Surpass
Not a payment gateway.
Your merchant services advisor.
A payment gateway sells you their product. Surpass compares multiple providers, negotiates your rate, and stays with you for the long haul.
Surpass
Advisor & Partner
Typical Gateway
Single Provider
Savings Examples
A small rate difference adds up fast.
Illustrative comparison of 1.30% versus tiered rates. Higher card turnover can qualify for lower rates. Your actual rate depends on your application and approval.
| Monthly Card Turnover | At 1.30% | At your rate | Potential Annual Difference |
|---|---|---|---|
| $50,000 | $650 | $450 (0.90%) | $2,400 |
| $100,000 | $1,300 | $850 (0.85%) | $5,400 |
| $250,000 | $3,250 | $2,000 (0.80%) | $15,000 |
| $500,000 | $6,500 | $3,750 (0.75%) | $33,000 |
| $1,000,000 | $13,000 | $5,500 (0.55%) | $90,000 |
Examples only. Not all merchants currently pay 1.30%. Tiered rates shown are illustrative — actual rates depend on your approved rate, card mix and business profile.
Who We Help
EFTPOS comparison for every
Australian business.
FAQ
Frequently Asked Questions
Stop overpaying.
Start comparing.
See what EFTPOS rate your business could qualify for. Free assessment, no obligation, takes 10 seconds.
Surpass Business Solutions Pty Ltd ABN 27 144 909 777. Surpass works with multiple payment providers and is not a single payment gateway. Merchant rates, terminal availability and payment solutions are subject to application, approval, eligibility and provider terms and conditions. "Rates from 0.9%" means eligible merchants may qualify for 0.9% — final pricing is subject to approval. Free EFTPOS terminal and $0 monthly terminal rental offers are subject to eligibility and provider terms. Savings examples are illustrative only and do not represent guaranteed savings.