518:
and not on the transaction value. Cash out is a facility provided by the merchant, and not the bank, so the merchant can limit or vary how much cash can be withdrawn at a time, or suspend the facility at any time. When available, cash out is convenient for the customer, who can bypass having to visit a bank branch or ATM. Cash out is also cheaper for the customer, since only one bank transaction is involved. For people in some remote areas, cash out may be the only way they can withdraw cash from their personal accounts. However, most merchants who provide the facility set a relatively low limit on cash out, generally $ 50, and some also charge for the service. Some merchants in
Australia only allow cash out with the purchase of goods; other merchants allow cash out whether or not customers buy any goods. Cash out is not available in association with credit card sales because on credit card transactions the merchant is charged a percentage commission based on the transaction value, and also because cash withdrawals are treated differently from purchase transactions by the credit card company. (However, though inconsistent with a merchant's agreement with each credit card company, the merchant may treat a cash withdrawal as part of an ordinary credit card sale.)
213:
107:
490:
1093:
498:
115:
550:
signal if the card is chip-enabled. The second digit indicates if the transaction must be sent online for authorisation always or if transactions that are below floor limit can take place without authorisation. The third digit is used to indicate the preferred card verification method (e.g., PIN) and the environment where the card can be used (e.g., at point of sale only). Merchant terminals are required to recognise and act on service codes or send all transactions for online authorisation.
482:
941:
586:
their PIN to finalise cash withdrawals. Since 2018, these ATMs work with Apple Pay and Google Pay as well, where a customer taps their NFC-enabled phone instead of their card. Bank debit cards and other credit cards do not currently offer a contactless payment facility. ePAL is developing a contactless payment system for debit cards based on EMV technology as well as an extension of debit cards for use for on-line transactions, and a
1009:
462:
non-Australian debit and credit cards can only be used at
Australian EFTPOS terminals or ATMs if they have these logos or the MasterCard or Visa logos. Diners Club and/or American Express cards will be accepted only if the merchant has an agreement with those card companies, or increasingly if the merchant has modern alternative payment options available for those cards, such as through PayPal. The
570:. These payments are made using either electronic payment networks separate from the regular EFTPOS payment networks, or newer EFTPOS with tap sensors, and is an alternative to the previous swipe or chip systems. These networks are operated by MasterCard and Visa, and not by the banks as is the EFTPOS network, through EFTPOS Payments Australia Limited (ePAL).
608:
attempt to tamper with it) but in 1993, mobile wireless EFTPOS was conceived by
Dynamic Data Systems (H. Daniel Elbaum). In 1995, Dynamic Data Systems and the banking industry worked together to implement, certify and introduce protocols and standards for cellular networks, and by 1998, the use of mobile EFTPOS began to appear in Australia.
248:, which had been in existence since 1974. There was a dispute between the banks whether Bankcard (or credit cards in general) should be permitted into the proposed EFTPOS system. At that time several banks were actively promoting MasterCard and Visa credit cards. Store cards and proprietary cards were shut out of the new system.
534:. Historically, these transactions were authenticated by the merchant using the cardholder's signature, as signed on their receipt. However, merchants had become increasingly lax in enforcing this verification, resulting in an increase in fraud. Australian banks have since deployed chip and PIN technology using the global
804:
In
Australia, store cards have been excluded from participation in the EFTPOS and ATM systems. Consequently, several larger store accounts have entered into co-branding arrangements with credit card networks for the store-based accounts to be widely accepted. This was the case with Coles (previously,
607:
In 1991, dialup EFTPOS was conceived by Key Corp (John Wood) and deployment of dialup commenced in 1993. Until 1993, communications, connections and transactions between banks, ATM banks and EFTPOS devices where conducted via leased lines (a specific power assisted communication line that detects any
541:
As a further security measure, if a user enters an incorrect PIN three times, the card may be locked out of EFTPOS and require reactivation over the phone or at a bank branch. In the case of an ATM, the card will not be returned, and the cardholder will need to visit the branch to retrieve the card,
585:
The facility is only available for cards branded with the MasterCard PayPass or Visa payWave logos, indicating that they have the system-permitted embedded chip. ANZ launched an ATM solution based on Visa payWave in 2015, where the customer taps the card on a reader installed at the ATM and inserts
581:
chip and antenna loop embedded in the plastic of the card. To pay using this system, a customer passes the card within 4 cm of a reader at a merchant checkout. Using this method, for transactions under a specified limit, the customer does not need to authenticate their identity by PIN entry or
549:
on which is encoded the card's service codes, consisting of three-digit values. These codes are used to convey instructions to merchant terminals on how a card should be processed. The first digit indicates if a card can be used internationally or is valid for domestic use only. It is also used to
243:
developed the capacity to host connect individual ATMS and helped create the ATM (Financial) Network. Banks started to link their EFTPOS systems to provide access for all customers across all EFTPOS devices. Cards issued by all banks could then be used at all EFTPOS terminals nationally, but debit
238:
In a short time, other countries adopted the EFTPOS technology, these systems were limited to the national borders. Each country adopted various interbank co-operative models. In
Australia, in 1984 Westpac was the first major Australian bank to implement an EFTPOS system, at BP petrol stations. The
923:
EFTPOS is highly popular in New
Zealand. The system is operated by two providers, Paymark Limited (formerly Electronic Transaction Services Limited) which processes 75% of all electronic transactions in New Zealand, and EFTPOS New Zealand. Although the term eftpos is popularly used to describe the
856:
The EFT network in
Australia is made up of seven proprietary networks in which peers have interchange agreements, making an effective single network. A merchant who wishes to accept EFTPOS payments must enter an agreement with one of the seven merchant service providers, which rent the terminal to
517:
in many other countries) is known as "cash out". For the merchant, cash out is a way of reducing their net cash takings, saving on banking of cash. There is no additional cost to the merchant in providing cash out because banks charge a merchant a debit card transaction fee per EFTPOS transaction,
454:
and other cards. Some merchants set minimum transaction amounts for EFTPOS transactions, which can be different for debit and credit card transactions. Some merchants impose a surcharge on the use of EFTPOS. These can vary between merchants and on the type of card being used, and generally are not
461:
Australian debit cards normally cannot be used outside
Australia. They can only be used outside Australia if they carry the MasterCard/Maestro/Cirrus or Visa/Plus or other similar logos, in which case the non-Australian transaction will be processed through those transaction systems. Similarly,
298:
and most recently, online via eCommerce. Not all merchants provide EFTPOS facilities, but those who wish to accept EFTPOS payments must enter an agreement with one of the many (originally seven) merchant service providers, which rent an EFTPOS terminal to the merchant. ePal also sets the EFTPOS
251:
Since 2002, the use of EFTPOS has grown significantly, and it has become the standard payment method, displacing the use of cash. Subsequently, networks facilitating the process of money transfer and payment settlement between the consumer and the merchant grew from a small number of nationwide
235:, which were limited to participating correspondent banking relationships, not being linked to each other. Consumers and merchants were slow to accept it, and there was minimal marketing. As a result, growth and market penetration of EFTPOS was minimal in the US up to the turn of the century.
303:. For credit cards to be accepted by a merchant a separate agreement must be entered into with each credit card company, each of which has its own flexible merchant fee rate. Eftpos machines for merchants are provided by larger banks and specialists such as
1100:
The nationwide acceptance infrastructure is the largest in
Singapore and includes 54,000 Unified Point-of-Sale (Unified POS) terminals and 94,000 QR acceptance points. In 2011, NETS’ debit system was designated as national payment system by the
603:
from 1986 until 1991. The ownership was for convenience and all the banks used the name and logo (commonly called "fat-E") on their cards and advertising. By mid July 1986, all major banks and retailers have agreed to implement eftpos.
962:
In 1989 the system was officially launched and two providers owned by the major banks now run the system. The larger of the two providers, Paymark
Limited (formerly Electronic Transaction Services Limited), is owned by French company
637:
In April 2009, a company, “EFTPOS Payments Australia Ltd” (ePal) was formed to manage and promote the EFTPOS system in Australia. ePal regulation commenced in January 2011. The initial members of EFTPOS Payments Australia Ltd were:
477:
which act like generic gift cards, which are anonymous and not linked to any bank accounts. These cards are accepted by merchants who accept credit cards and are processed through the EFTPOS terminal in the same way as credit cards.
924:
system, EFTPOS is a trademark of EFTPOS New Zealand, the smaller of the two providers. Both providers run an interconnected financial network that allows the processing of not only of debit cards at point of sale terminals but also
590:
system. Using contactless debit cards on tap-and-go terminals routes the transaction through the more expensive credit card system instead of the EFTPOS route, adding to the cost to the merchant, and ultimately the consumer.
239:
other major banks implemented EFTPOS systems during 1984, initially with petrol stations. The banks' existing debit and credit cards (but only allowed to access debit accounts) were used in the EFTPOS systems. In 1985, the
1084:, and Dynamic Data Systems, beginning the rollout of mobile systems in Asia. By 2004, Cellular based Eftpos infrastructure had really taken off, and by 2010, Cellular Eftpos had become the standard for the global market.
334:, and sometimes as a credit card. The card merely provides the means by which a customer's linked bank or other accounts can be accessed using an EFTPOS terminal or ATM. These cards can also be used on some
1461:
442:
offers a Visa Debit Card, as does the National Australia Bank. The main difference with regular debit cards is that these cards can be used outside Australia where the respective credit card is accepted.
314:(APCA). The system for ATM and EFTPOS interchanges is called Issuers and Acquirers Community (formerly Consumer Electronic Clearing System; CECS) also called CS3. CECS required authorisations from the
848:
In 2011, these figures increased to 750,000 terminals, with 325,000 individual businesses, processing over 2 billion transactions with combined value of approximately $ 131 billion for the year.
1284:
267:
627:, supplementing the traditional EFTPOS swipe or chip system. The system was rolled out across Australia in 2009; other systems being rolled out are Westpac Bank's MasterCard PayPass and
1683:
917:
841:
As of June 2018, there were 961,247 EFTPOS terminals in Australia and 30,940 ATMs. Of the terminals, over 60,000 offered cash withdrawals. In 2010, 183 million transactions, worth
458:
A feature of a debit card is that an EFTPOS transaction will only be accepted if there is an available credit balance in the bank cheque or savings account linked to the card.
318:(ACCC), which was obtained in 2001 and reaffirmed in 2009. ATM and EFTPOS clearances are the made under individual bilateral arrangements between the institutions involved.
1000:
Paymark process over 900 million transactions (worth over NZ$ 48 billion) yearly. More than 75,000 merchants and over 110,000 EFTPOS terminals are connected to Paymark.
1213:
1821:
1227:
2024:
1715:
1445:
997:
EFTPOS is highly popular in New Zealand, and being used for about 60% of all retail transactions. In 2009, there were 200 EFTPOS transactions per person.
2029:
2019:
1879:
538:
card standard; as of 1 August 2014, Australian merchants no longer accept signatures on transactions by domestic customers at point of sale terminals.
1281:
231:
EFTPOS technology originated in the United States in 1981 and was rolled out in 1982. Initially, a number of nationwide systems were set up, such as
1168:
513:
A number of merchants permit customers using a debit card to withdraw cash as part of the EFTPOS transaction. In Australia, this facility (known as
1802:
315:
415:
1680:
1554:
1249:
1379:
1740:
1667:
278:
is the name of a proprietary domestic debit payment system launched in the 1980s, owned by eftpos Payments Australia Limited (ePAL) (now
252:
systems to the majority of payment processing transactions. For EFTPOS, USA based systems allow the use of debit cards or credit cards.
989:
During July 2006 the five billionth EFTPOS payment was processed, and at the start of 2012 the 10 billionth transaction was processed.
1853:
1048:
holders in Singapore to make transactions through the initial network of 195 terminals located in various retail outlets and by 1993,
861:
363:
311:
438:
Some banks offer alternative debit card facilities to their customers using the Visa or MasterCard clearance system. For example,
244:
cards issued in other countries could not. Prior to 1986, the Australian banks organised a widespread uniform credit card, called
754:
1511:
857:
the merchant. All the merchant's EFTPOS transactions are processed through one of these gateways. Some of these peers are:
1529:
1344:
1331:
1316:
1405:
1905:
2044:
1831:
1760:
171:
1884:
1102:
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1639:
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signature, as on a regular EFTPOS machine. For transactions over the above limit, PIN verification is required.
1653:
1442:
1142:
814:
527:
526:
EFTPOS transactions involving a debit, credit or prepaid card are primarily authenticated via the entry of a
163:
2049:
798:
701:
546:
2054:
2034:
279:
1430:
1228:"eftpos online payments & security rollout forges ahead with certification of Australia's GPayments"
1214:"ACCC authorises amalgamation of BPAY Group, eftpos and NPP Australia to form Australian Payments Plus"
955:
introduced EFTPOS in 1985, with the first merchant terminals being installed through a pilot scheme at
729:
655:
369:
1806:
147:
71:) is the technical term referring to a type of payment transaction where electronic funds transfers (
20:
979:(formerly ANZ National Bank). The second is operated by EFTPOS New Zealand, which is fully owned by
455:
imposed on debit card transactions, and widely not on MasterCard and Visa credit card transactions.
2039:
1826:
1716:"'Kiwi success story' Eftpos marks 30 years – but NZ is falling behind on contactless 'tap and go'"
379:
295:
1908:
The Business Times, p. 2. January 21, 1993. Retrieved from NewspaperSG. Accessed on June 3, 2018.
871:
773:
686:
502:
431:
357:
1765:
612:
240:
154:
types of payments. Other countries use different brand names for their EFTPOS systems, such as
392:, Queensland Police Credit Union, Dnister and Indue sponsored financial institutions: Cue Card
1246:
407:
212:
1300:
1072:
installing systems in 1997 and the first example of a pizza delivery in Singapore accepting
599:
The name and logo for EFTPOS in Australia were originally owned by Shiyombo Makasa and were
2014:
1857:
1627:
1476:
1127:
1036:
to establish the debit network and drive the adoption of electronic payments in Singapore.
1033:
976:
891:
Other organisations may have peering agreements with the one or more of the central peers.
411:
183:
8:
1365:
952:
826:
559:
514:
724:
650:
178:. Since the early 2010s, country specific EFTPOS systems have been overtaken by global
1600:"APCA PaymentsMonitor publication — Industry establishes new company to manage EFTPOS"
106:
1599:
1533:
1265:
1049:
866:
842:
739:
668:
474:
345:
226:
144:
1192:
489:
1117:
1053:
911:
822:
818:
291:
202:
84:
36:
1092:
1687:
1515:
1449:
1320:
1288:
1253:
1057:
986:
1995 was the first deployment of cellular Eftpos in NZ, by Dynamic Data Systems.
956:
830:
403:
335:
300:
261:
187:
124:
1132:
1021:
587:
574:
439:
399:
375:
155:
1348:
114:
2008:
1313:
947:
In New Zealand, a trial scheme of EFTPOS began in 1984, with a terminal in a
788:
768:
531:
463:
425:
341:
Each Australian bank has given a different name to its debit cards, such as:
76:
1613:
266:
497:
327:
206:
198:
194:
96:
88:
1575:
940:
825:(now Woolworths Money) which initially was partnered with credit provider
1266:"EFTPOS. Merchant banking services. EFTPOS. Bank of Queensland Australia"
929:
925:
916:
744:
673:
467:
451:
338:
and other automatic payment mechanisms, such as ticket vending machines.
287:
136:
92:
1169:"The only way to pay? Charting the history and future demise of Eftpos"
1137:
806:
759:
624:
611:
In 2006, Commonwealth Bank and MasterCard ran a six-month trial of the
600:
481:
447:
389:
304:
100:
1044:
NETS was officially launched on 18 January 1986, allowing millions of
1147:
1073:
1069:
1029:
1017:
948:
734:
663:
159:
132:
1024:
was founded in 1985 by a consortium of the country's local banks of
1081:
1045:
1025:
1008:
980:
968:
964:
899:
845:
12 billion, were made using Australian EFTPOS terminals per month.
716:
642:
628:
331:
283:
245:
1745:
1579:
1122:
1077:
983:
Systems, following its sale by ANZ New Zealand in December 2012.
972:
895:
876:
793:
783:
696:
691:
631:
616:
567:
563:
446:
Those merchants that enter the EFTPOS payment system must accept
351:
326:
Australian financial institutions provide their customers with a
1933:
Cornell, Andrew (1998-04-24). "DDS sights Asian Eftpos market".
1076:
via cellular payment in 1998, which was a collaboration between
1780:"Trust Bank launches mobile EFTPOS for businesses on the move".
778:
749:
678:
620:
419:
383:
1918:
Cornell, Andrew (1998-04-28). "Visa plays the mobility card".
1555:"Commonwealth Bank rolls out contactless terminals and cards"
1380:"PINs now replace signatures on Australian card transactions"
711:
1698:
1216:(Press release). Australian Payments Plus. 9 September 2021.
450:
issued by any Australian bank, and some also accept various
1230:(Press release). Australian Payments Plus. 7 February 2022.
810:
578:
42:
1530:"Commonwealth Bank unveils "Tap N Go™" payment technology"
1056:
1.14 billion. Since the late-2010s, NETS has also adopted
707:
The current members of EFTPOS Payments Australia Ltd are:
60:
535:
179:
167:
175:
1741:"Banks sell EFTPOS provider Paymark to French company"
1495:
Cornell, Andrew (January 1997). "A boost for EFTPOS".
1406:"Credit card signatures to be phased out in Australia"
103:). EFTPOS technology was developed during the 1980s.
1478:
Electronic Funds Transfers Point of Sale in Australia
1060:
through NETS QR, which is also integrated with SGQR.
63:
45:
310:
The clearing arrangements for EFTPOS are managed by
57:
51:
1674:
562:smart debit cards under the brand names MasterCard
39:
1906:Nets rings up record $ 1.14b in consumer spending.
558:In the late 2000s, MasterCard and Visa introduced
1512:"Optus to develop GSM-based mobile EFTPOS system"
1282:Proposed changes to the interchange fees standard
951:petrol station connected to a bank computer. The
2006:
1978:"Home-delivered pizza now paid by credit card".
1475:Gyoery, Ralph; Seberry, Jennifer (August 1986).
884:First Data Network Australia (formerly Cashcard)
316:Australian Competition & Consumer Commission
122:
1398:
1068:In 1996, mobile EFTPOS arrived, with hotels in
1880:"Clearing and Settlement Systems in Singapore"
1822:"Eight billionth eftpos transaction processed"
821:. Woolworths organised its credit card called
1963:"Citibank's 'mobile' service for customers".
1819:
1474:
330:, which can be used as a debit card or as an
193:The payment cards used by EFTPOS systems are
1791:Bedford, Dean. "Eftpos becomes more mobile".
1714:Donaldson, Rachel Helyer (7 November 2019).
1360:
1358:
2025:Financial services companies of New Zealand
1709:
1707:
1484:(Thesis). University of Sydney. p. 30.
1372:
1334:. Stgeorge.com.au. Retrieved on 2013-09-27.
1813:
521:
493:Varieties of EFTPOS terminals in Singapore
422:sponsored financial institutions: rediCARD
27:Electronic Funds Transfer at Point Of Sale
2030:Financial services companies of Singapore
2020:Financial services companies of Australia
1713:
1433:. Visa-asia.com. Retrieved on 2013-09-27.
1355:
862:Australia & New Zealand Banking Group
553:
473:In addition, credit card companies issue
1805:. Paymark. July 24, 2006. Archived from
1704:
1462:"The hidden cost of the tap-and-go boom"
1091:
1007:
496:
488:
480:
312:Australian Payments Clearing Association
265:
211:
113:
105:
16:Type of Electronic Funds Transfer system
1993:"Now, you can also charge your pizza".
1932:
1917:
1681:RBA paper on Australian Payment systems
1494:
1166:
110:Pin pad and touchscreen EFTPOS terminal
2007:
1277:
1275:
1241:
1239:
1237:
1063:
898:protocol, which is closely related to
1509:
1803:"Nought to five billion in 17 years"
1576:"Introducing contactless technology"
1557:. Commonwealth Bank. 15 October 2009
829:, but changed on 26 October 2014 to
542:or request a new card to be issued.
87:usually via payment methods such as
1872:
1790:
1272:
1234:
1185:
501:EFTPOS terminal in a restaurant at
13:
1820:Gregor, Kelly (14 December 2009).
1701:. Cuscal. Retrieved on 2013-09-27.
1345:"Welcome to Diners Club Australia"
1206:
939:
915:
805:Coles-Myer) which co-branded with
14:
2066:
1950:Electronic Payments International
1497:Electronic Payments International
1193:"eftpos - the way Australia pays"
967:, following its sale in 2018 by
1948:"Mobile drive in Asia-Pacific".
1668:"The World of EFTPOS | Overview"
1332:Visa Debit Card - St.George Bank
813:which co-branded with Visa, and
220:
35:
1986:
1971:
1956:
1941:
1935:The Australian Financial Review
1926:
1920:The Australian Financial Review
1911:
1899:
1885:Monetary Authority of Singapore
1846:
1795:
1784:
1773:
1753:
1733:
1692:
1660:
1646:
1632:
1620:
1606:
1592:
1568:
1547:
1522:
1503:
1488:
1468:
1454:
1436:
1424:
1337:
1325:
1195:. eftpos Payments Australia Ltd
1103:Monetary Authority of Singapore
227:Debit card § United States
143:is also the brand name for the
1640:"APCA Card Transaction Volume"
1307:
1293:
1258:
1220:
1167:Gregory, Justin (2018-06-09).
1160:
1143:ACCC v Cabcharge Australia Ltd
905:
721:Australian Settlements Limited
647:Australian Settlements Limited
528:personal identification number
466:is accepted in Australia as a
321:
150:network used for facilitating
1:
1654:"APCA Card Transaction Value"
1153:
912:Debit card § New Zealand
1039:
1003:
935:
396:People's Choice Credit Union
255:
7:
1761:"ANZ sells eftpos business"
1431:Visa Australia | Visa Debit
1247:Cards and Accepting Devices
1111:
730:Bendigo & Adelaide Bank
656:Bendigo & Adelaide Bank
545:All debit cards now have a
508:
280:Australian Payments Network
262:Debit card § Australia
216:EFTPOS Magnetic Stripe Card
10:
2071:
1087:
1034:United Overseas Bank (UOB)
992:
975:, Bank of New Zealand and
909:
851:
594:
292:"point of sale"" terminals
259:
224:
201:ID-1 standard that have a
18:
1856:. Paymark. Archived from
1628:ATM and EFTPOS statistics
1443:Eftpos Annual Report 2011
1314:Australian Payment System
573:These cards are based on
148:electronic payment system
21:Electronic Funds Transfer
1827:National Business Review
836:
2045:Point of sale companies
1301:"ACCC reap proves CECS"
872:National Australia Bank
774:National Australia Bank
687:National Australia Bank
522:Cardholder verification
432:Regional Australia Bank
358:National Australia Bank
1980:Singtel Staff Magazine
1766:The New Zealand Herald
1097:
1013:
944:
920:
817:which co-branded with
613:contactless smart card
554:Contactless smart card
505:
494:
486:
271:
270:Australian eftpos logo
241:State Bank of Victoria
217:
119:
118:Modern EFTPOS terminal
111:
1095:
1052:through NETS reached
1011:
943:
919:
894:The network uses the
500:
492:
484:
269:
215:
117:
109:
75:) are processed at a
19:For general EFT, see
1769:. December 18, 2012.
1510:Sainsbury, Michael.
977:ANZ Bank New Zealand
412:Teachers Mutual Bank
209:numbering standard.
205:conforming with the
184:contactless payments
2050:American inventions
1860:on 10 December 2014
1749:. January 13, 2019.
1303:. 23 February 2013.
1064:First Mobile EFTPOS
953:Bank of New Zealand
515:debit card cashback
182:based systems with
2055:1981 introductions
2035:Interbank networks
1686:2009-07-04 at the
1448:2012-03-23 at the
1319:2012-04-07 at the
1287:2012-04-28 at the
1252:2012-03-20 at the
1098:
1014:
945:
921:
725:Bank of Queensland
651:Bank of Queensland
506:
495:
487:
272:
218:
120:
112:
1995:The Straits Times
1534:Commonwealth Bank
1464:. 8 October 2017.
1412:. CBS Interactive
1386:. CBS Interactive
1050:consumer spending
867:Commonwealth Bank
762:Network Australia
740:Commonwealth Bank
669:Commonwealth Bank
380:Bank of Melbourne
372:: Easy Money card
346:Commonwealth Bank
29:, abbreviated as
2062:
1999:
1998:
1990:
1984:
1983:
1975:
1969:
1968:
1960:
1954:
1953:
1945:
1939:
1938:
1930:
1924:
1923:
1915:
1909:
1903:
1897:
1896:
1894:
1892:
1876:
1870:
1869:
1867:
1865:
1850:
1844:
1843:
1841:
1839:
1834:on 11 April 2011
1830:. Archived from
1817:
1811:
1810:
1809:on May 13, 2010.
1799:
1793:
1792:
1788:
1782:
1781:
1777:
1771:
1770:
1757:
1751:
1750:
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1731:
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1728:
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1711:
1702:
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1664:
1658:
1657:
1650:
1644:
1643:
1636:
1630:
1624:
1618:
1617:
1614:"EFTPOS | About"
1610:
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1118:Payment terminal
1058:QR code payments
823:Everyday Rewards
819:American Express
485:IBM POS terminal
336:vending machines
203:bank card number
85:payment terminal
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634:branded cards.
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547:magnetic stripe
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503:Toronto Airport
404:Credit Union SA
324:
301:interchange fee
282:) that accepts
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197:complying with
188:QR code payment
129:
125:payment network
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1536:. 5 April 2006
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1518:on 1998-06-12.
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1366:"Nab — Eftpos"
1354:
1351:on 2011-03-01.
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577:and contain a
575:EMV technology
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440:St George Bank
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530:(PIN) at the
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475:prepaid cards
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464:Discover Card
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434:: Access card
433:
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428:: eftpos Card
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386:: FreedomCard
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366:: Access card
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123:EFTPOS (as a
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89:payment cards
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1982:. June 1998.
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1952:. June 1998.
1949:
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1901:
1889:. Retrieved
1883:
1874:
1862:. Retrieved
1858:the original
1848:
1838:29 September
1836:. Retrieved
1832:the original
1825:
1815:
1807:the original
1797:
1786:
1775:
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1744:
1735:
1723:. Retrieved
1720:The Register
1719:
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1583:. Retrieved
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1516:the original
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1197:. Retrieved
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426:Suncorp Bank
416:Nexus Mutual
370:Bendigo Bank
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328:plastic card
325:
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275:
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237:
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207:ISO/IEC 7812
199:ISO/IEC 7810
192:
151:
140:
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97:credit cards
83:) system or
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72:
30:
26:
25:
2015:Debit cards
1864:10 December
1725:25 February
1416:27 February
1390:27 February
1173:The Spinoff
906:New Zealand
815:David Jones
745:Coles Group
674:Coles Group
601:trade marks
560:contactless
468:Diners Club
448:debit cards
408:Beyond Bank
360:: FlexiCard
354:: Handycard
322:Debit cards
305:Live eftpos
288:debit cards
137:New Zealand
93:debit cards
2009:Categories
1585:2011-09-10
1561:2011-09-11
1540:2011-09-11
1199:2013-01-30
1178:2022-12-27
1154:References
1138:Visa Debit
807:Mastercard
799:Woolworths
760:First Data
702:Woolworths
625:Wollongong
390:Qudos Bank
101:gift cards
1148:Cabcharge
1074:Visa card
1070:Singapore
1030:OCBC Bank
1018:Singapore
1004:Singapore
827:HSBC Bank
735:Citigroup
664:Citigroup
566:and Visa
376:St George
348:: Keycard
284:bankcards
256:Australia
233:Interlink
190:systems.
164:Interlink
160:Singapore
145:interbank
133:Australia
1965:The Star
1684:Archived
1446:Archived
1317:Archived
1285:Archived
1250:Archived
1112:See also
1082:Citibank
1080:, Visa,
1046:ATM card
1026:DBS Bank
1012:NETS POS
981:VeriFone
969:ASB Bank
965:Ingenico
900:ISO 8583
717:ANZ Bank
660:Cashcard
643:ANZ Bank
509:Cash out
364:ANZ Bank
332:ATM card
246:Bankcard
1891:23 July
1746:Newshub
1580:Westpac
1128:Maestro
1123:Interac
1105:(MAS).
1096:NETS QR
1078:Singnet
1040:History
973:Westpac
936:History
896:AS 2805
877:Westpac
852:Network
794:Westpac
697:Westpac
632:payWave
617:PayPass
615:system
595:History
568:payWave
564:PayPass
352:Westpac
290:at POS
174:in the
166:in the
1245:APCA:
881:Cuscal
779:PayPal
750:Cuscal
679:Cuscal
621:Sydney
470:card.
420:Cuscal
418:, and
384:BankSA
276:eftpos
152:eftpos
141:EFTPOS
31:EFTPOS
1482:(PDF)
1410:ZDNet
1088:Usage
993:Usage
949:Shell
887:Other
837:Usage
765:Indue
755:EFTEX
712:Adyen
683:Indue
1893:2013
1866:2014
1840:2011
1727:2023
1699:Home
1626:APN
1418:2017
1392:2017
1384:CNET
1133:NETS
1032:and
1022:NETS
928:and
811:Myer
629:Visa
623:and
579:RFID
296:ATMs
172:Link
156:NETS
135:and
1054:S$
1016:In
843:A$
619:in
536:EMV
286:or
186:or
180:EMV
170:or
168:USA
158:in
131:In
99:or
81:POS
73:EFT
33:; (
2011::
1882:.
1824:.
1763:.
1743:.
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1706:^
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176:UK
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