Tap to Pay on iPhone
Take in-person, contactless payments with just your iPhone and the EFTPOS Air app.¹˒²
Once approved, start taking payments instantly
- 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
- Receive funds same day 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.
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.
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 a Westpac business account for same-day settlement
You'll need to have a Westpac business transaction account to receive settlements into.
Business One
$0 monthly fee account
Good if you mainly bank online.
- $3 per staff-assisted transactions made in branch
Business One Plus
$10 monthly fee account
Good if you occasionally bank in branch.
- 25 free staff-assisted transactions a month in branch
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 (8am-8pm (Sydney time), Mon-Fri) to apply for other business types.
If you are a not-for-profit organisation and would like to discuss our exclusive rates, please call us on 1800 029 749. Alternatively, find out more here.
The Tap to Pay on iPhone with the EFTPOS Air app is free to download from the App Store. All you pay is a 1.4% transaction fee when you use the app to accept card and digital wallet payments.⁴
Tap to Pay on iPhone requires an iPhone XS or later using iOS 16.4 or later. The device must be logged into iCloud and set with Face ID, Touch ID or Passcode.
When you use the EFTPOS Air app, payments are processed by Westpac using security features that have been specifically developed to enable card transactions. Payments made through your mobile device will be just as secure as those made through our physical EFTPOS machines.
If your device is lost or stolen, password protection and the ability to sign out remotely from the EFTPOS Air Portal will help protect you against fraud.
You’ll need an Internet connection on your device to take payments. Tap to Pay on iPhone with the EFTPOS Air app can connect through 4G, 5G and Wi-Fi.
Yes, you can use the Tap to Pay on iPhone with the EFTPOS Air app to track your cash payments and calculate change.
No. If all you want to do is take payments, choose Simple Mode rather than Retail Mode.
You’ll need to have a Westpac business transaction account to receive settlements into.
If you don't have one yet, open a Business One, Business One Plus or Community Solutions Account.5
Yes, EFTPOS Air allows you to accept payments across multiple devices and users at the same time. When applying, you can select how many users you want to accept payments at the same time. If you already have EFTPOS Air, please call us on 1800 029 749 (Mon-Fri, 8am-8pm Sydney time). Alternatively, request a callback for our team to contact you directly. Once set up, you can use the EFTPOS Air Portal and App to manage your users, roles, and permissions.
No, EFTPOS Air can only accept in-person contactless card payments. If you’d like to accept manual entry or MOTO payments, please call us on 1800 029 749 (Mon- Fri, 8am-8pm Sydney time) to discuss our other payment solutions.
You can sign in to Xero via the EFTPOS Air app, which securely connects EFTPOS Air to your Xero account. This allows you to automatically synchronise your invoices, payments and customers to Xero - making reconciliation easy, visit the EFTPOS Air Help Centre for more information.
Merchant support & stationery
- Visit the EFTPOS Air support centre
- Call 1800 029 749 for 24/7 tech support
- Get help choosing a payment solution
- Compare EFTPOS solutions
Helpful information
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.
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.
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 813KB).
Read the Westpac Online Banking Terms and Conditions (PDF 408KB) 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.
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.