Does PayNuts offer support for PayNuts Pocket users?

Yes, our terminals integrate with over 1000 different POS providers. Please contact us to confirm if our terminals are suitable with your specific POS requirements.

Once your merchant application has been approved, it is typically delivered within 3-5 business days.

We offer multiple terminal options. This means we can recommend the most suitable option for your business based on your specific requirements. Please contact us to discuss our options.

Integrated EFTPOS allows your POS system to communicate directly with your EFTPOS terminal. The benefits of integrated EFTPOS include streamlined reconciliation, faster card processing times, a reduction in double-entry data errors and more robust reporting tools.

Integrated EFTPOS is now becoming the default option for businesses. This is because it allows you to serve customers faster and streamline reconciliation.

Our terminals are 4G, Wi-Fi and Bluetooth compatible. There is no additional cost to utilise these connectivity options as the communications cost is included in the package.

Our primary goal is to keep the cost of processing payments as low as possible to help support businesses. We have a number of options that we can recommend once we understand the requirements and circumstances of your business. Contact our sales team about the best pricing options for you.

The EFTPOS terminal is pre-configured to automatically settle at the same time 7 days a week. The settlement time is agreed upon during the application process and is your decision.

A gross settlement method is when your fees are calculated on your revenue at the end of the month. Fees are then charged and direct debited once per month.

A net settlement method is when your fees are calculated each day and retained from your funding on a daily basis. This means that you will not incur charges for your transactions at the end of each month.

Absolutely. We aim to provide flexible options for your business so you can decide which option best fits your requirements.

Same Day Funding means that we can fund your processed transactions on the very same day. E.g. Monday's revenue would be funded to your bank account on Monday evening (prior to midnight). Same Day Funding is an add on service and additional fees may apply. Please contact us to discuss this option.

Next Day Funding means that your processed transactions are funded the next business day. E.g. Monday's revenue will be funded Tuesday afternoon. For further explanation please see the following support article on our settlement and funding timeframes.

Our services are suitable for any event where you need a fast and reliable payments solution. We regularly manage payments at sporting, musical and community events as well as charity and social events including food festivals.

Event terminals are available for events with a minimum projected revenue of $20,000. Not sure if your event qualifies? Reach out to us, we're happy to chat through the details and find the right fit for you.

All event terminals are dispatched via Express Post from our Melbourne office, so they'll be with you fast. Prefer to pick them up yourself? No problem, collection is available directly from our office. Just gives us a heads up so we can have everything ready for you.

Yes, user guides and instructions are provided. For larger events we can have staff onsite to assist with operations and any training requirements.

Our solutions include supporting online payments via a payment gateway or hosted payments page. We can also provide a virtual terminal which is an app-based payment processing tool, and Payment Links which allows to you accept payments via email and SMS links.

A payment gateway is a secure technology that processes online transactions by transmitting payment information between customers, merchants, and financial institutions, allowing businesses to accept payments through websites, online stores and applications.

Yes. Online payment gateways integrate with popular ecommerce platforms such as WooCommerce, Magento, BigCommerce and OpenCart, allowing businesses to accept payments directly on their website. For others, please contact us to discuss your requirements.

We support all major payment types including Visa, Mastercard, eftpos, AMEX, UnionPay, Apple Pay, Google Pay, Alipay, WeChat Pay and Buy Now Pay Later options such as Afterpay and Zip.

Payment links allow businesses to send real-time payment requests to customers via email or SMS. They provide an efficient solution to facilitate business payments that is easy and secure for your customers.

Yes, the payment links can include your company branding to enhance and personalise them.

Yes, you can send a batch of payment links easily and at the same time. A simple CSV file is uploaded and an unlimited amount of payment links can be sent out at the click of a button.

To speak to the PayNuts sales team member please call us on 1800 338 767, Monday to Friday between 9.00am - 5.00pm (AEST). Alternatively, you can email sales@paynuts.au or fill out our contact form right here on our website.

We tailor all costs to your business size and bookkeeping needs to ensure you are not paying for anything you are not using. If you are a PayNuts customer you may be eligible for discounts on your Bookkeeping services.

Whenever we have access to a bank account, we only ever request “loading” privileges. This way all the payments that we “load” into the bank must be approved by you before they are paid.

Absolutely! We can tailor our services to whatever you require. For example, you could outsource payroll but continue to handle accounts payable yourself. If you eventually wish to outsource these services later, we can seamlessly transition to handling anything you need to run your business successfully.

Call us on 1800 EFTPOS (1800 338 767) or submit your details through our contact page and we will respond within 24 hours.

Customer Support is available 24/7. You can reach us a number of different ways.

Online - view support resources here or submit a support request via our online form.
Email - support@paynuts.au
Phone - 1800 338 767

Please visit our Resources and Support section here. This includes FAQs, support articles and support documents for download. You can also submit support requests here too.

Customer Support is available 24/7 by calling our Customer Support team on 1800 338 767. You can also email us at support@paynuts.au.

Please visit our Resources and Support section here. You will find a number of online forms you can complete and submit for updates and changes to your business or account information.

Documents required for an application include:

1. Identification (Drivers License or Passport) for any Beneficial Owner with 25% or more controlling ownership in the entity.
2. Proof of Business Bank Account which shows your Account Name, BSB, and Account Number. This must be a recent document dated within the last 90 days.
3. Proof of Trading Address Document clearly showing your trading address.

To confirm any specific requirements please reach out to our team.

Yes, we would need to see proof of a business bank account that matches the applying entity. We can link your payment facility to any Australian business bank account, so using your existing bank account is easy and straightforward.

Yes, our EFTPOS terminals have advanced tipping options along with other functions that aid the hospitality industry.

Our payments products include EFTPOS terminals, ecommerce and online/mobile payment solutions, and event EFTPOS rental throughout Australia.

PayNuts are headquartered in Melbourne, Australia. Our offices are located at Level 8 / 574 St Kilda Road, Melbourne, VIC, 3004. We support businesses Australia-wide and are Australian owned.

We support all major payment types including Visa, Mastercard, AMEX, eftpos Alipay, WeChat Pay, UnionPay, Apple Pay, Google Pay, and many BNPL options including Afterpay and Zip.

If you wish to lodge a dispute or complaint with us related to our provision of services to you, please contact us at complaints@paynuts.au. We will investigate and respond to your dispute or complaint in accordance with our standard processes, including those set out in our agreement with you.

If you are not satisfied with our response to your dispute or complaint, you may have the right to lodge a complaint with the Australian Financial Complaints Authority (AFCA). AFCA offers an independent dispute resolution service for certain financial complaints that is available to consumers and small businesses at no cost to you. To contact AFCA, visit afca.org.au, email info@afca.org.au, call 1800 931 678 (free call) or write to Australian Financial Complaints Authority, GPO Box 3, Melbourne, VIC 3001.

If your complaint involves mishandling of your personal information and you are unable to resolve it with us, you may lodge a complaint with the Privacy Commissioner. To contact the OAIC, go to oaic.gov.au, email enquiries@oaic.gov.au, call 1300 363 992 or write to the Office of the Australian Privacy Commissioner, GPO Box 5218, Sydney NSW 2001.

Yes, merchants can choose from the following bundles:

• Bundle 1 - PayNuts Counter or Flexi (dual screen) + cash drawer + standard printer
• Bundle 2 - PayNuts Counter or Flexi (single screen) + cash drawer + standard printer

Yes, we do. You can order additional printers, scanners or a Kitchen Display Screen. Please contact our sales team for more information.

Yes, you can. Please contact our sales team for more information.

Yes, only monthly POS license fee.

Training is included as part of your installation. You can also access our support area and YouTube content for more information.

Your first box (24 rolls) is free. Additional boxes cost $35 (incl. GST) + shipping.

Yes, additional POS lanes, licenses, hardware bundles and accessories can be added at any time.

Deliveries take 7- 12 business days, depending on location and stock availability.

PayNuts Go (mPOS) is available on Android only.

Yes, you can upload your business logo & colour scheme so that your customer gets a personalised experience from your business.

Yes. 3DS 2.0 is required for all payment link requests to help significantly reduce the risk of fraudulent transactions.

PayNuts will take care of the entire sign‑up process for your NBN service, but you will become a customer of More. Once you're connected, all ongoing NBN support will be provided by More and their support team.

For More's Support contact details, please click here.

The nbn® rollout is largely complete, so most addresses in Australia will have the ability to connect to the nbn® network. If you have not yet had an nbn® connection activated at your address, this will need to be facilitated by NBN Co technicians before you can get connected to More nbn®.

When you enter your address in our service qualification tool on our More nbn® sign up page, you will see if an existing connection is available at your address. If you’re not yet connected, once you sign up for a More nbn® plan an order will be placed with NBN Co to perform an activation at your address. The time it takes to get nbn® installed at your address will depend on your property the type of connection available.

nbn® New Development Charge

The Australian government enforce a New Development Charge to greenfield developments that need to be connected to the nbn® network.

Part of this charge is the End User Contribution Charge of $300 (inc. GST). Internet Service Providers such as More pass this charge to the end user when they want to connect to the nbn®.

Please note that this charge is only applicable if your property is a new development and has never been connected to the nbn® before.

You can read more about this policy here.

The More team will alert you if the New Development Charge applies when you complete your address check as part of the signing up process.

Changing to More is easy, but first, you will need to make sure you're out of contract with your current provider to avoid cancellation fees. If you have no contractual ties with your current provider, go ahead and sign up to More. Once your more service is activated, you can then call up your old provider to cancel your account.

More will keep you up to date regularly on the progress of your order via email or sms.

It is important that you look out for these notifications as they will include important information on your activation appointment, if you require NBN Co to visit your property to get connected. Depending on the connection process for your property, you may be required to be in attendance, and missing an appointment will cause delays with your order.

If your current NBN and PBX are with the same provider, switching your NBN service may lead to disconnection of your PBX (business phone line) as well. The good news, More can also provide PBX services, so we can help get your business phone line set up again if needed.

For full Terms & Conditions please click here.

A Hosted Payments Page (HPP) is a secure, ready-made checkout page hosted by PayNuts. Instead of building your own payment form, customers are redirected to the hosted page to complete their transactions safely and efficiently.

The branded experience keeps things feeling seamless, but customers are redirected to a PayNuts hosted page to complete payment.

Interchange++ is a transparent pricing model that breaks your transaction fees into three parts: interchange, scheme fees and a PayNuts margin. You see exactly what each component costs instead of a single blended fee.

Interchange is a fee set by card networks like Visa and MasterCard and paid to the cardholder's bank (issuer) every time a transaction is processed. It varies depending on the card type and transaction method.

Scheme fees are charged by card networks for using their payment infrastructure. These fees are set by the card schemes (e.g. Visa, Mastercard, eftpos) and apply to every transaction that passes through their networks.

Your rates vary under Interchange++ because the underlying costs of each transaction aren’t the same. Different cards, transaction methods, industries, and card brands all carry different interchange and scheme fees, so your final rate reflects the real cost of processing each individual transaction.

Interchange++ is ideal for merchants who want a clear, itemised breakdown of their fees and whose customers pay with a wide mix of card types. It gives full visibility into the true cost of each transaction. It may be less suitable for businesses that prefer a single, fixed rate that’s easier to predict and plan around.

Not for much longer. The RBA has announced a ban on surcharging, which comes into effect on October 01, 2026. From that date, merchants will no longer be able to pass transaction costs on to customers by way of a surcharge.

With the Low Fee plan, you pay one fixed rate on every transaction, no matter what card customers use. Whether it's Visa and Mastercard, your rate stays the same.

The Low Fee plan suits businesses that value straightforward billing and consistent costs. Not sure which plan is the best for you? Contact our sales team and we will help you with the right solution.

The impact will vary depending on the types of cards your customers use and the pricing model your payment provider uses. For a wider understanding please use the below link.

PayNuts is a privately owned Australian payments company providing business payment solutions for small, medium and large businesses.

PayNuts supports a wide range of industries including hospitality, retail, health & beauty, trades, professional services, automotive, telecommunications and eCommerce businesses across Australia. Our business payment solutions are tailored to support these specific industries.

PayNuts provides numerous payment solutions including EFTPOS terminals, integrated payments, online payment gateways, payment links, and hosted checkout pages.

Yes, real human support is available 24/7 via our Customer Support contact centre.

PayNuts is an Australian payments company headquartered in Melbourne (574 St Kilda Road) and supports businesses Australia‑wide.

EFTPOS payments are electronic transactions that allow customers to pay for goods and services using debit cards, credit cards, or digital wallets. Funds are transferred securely from the customer’s bank account to the business account at the point of sale.

Yes. EFTPOS payments use encryption, tokenisation and fraud detection systems to protect sensitive cardholder data. Transactions are processed through secure banking networks to ensure safety for both customers and businesses.

Yes. EFTPOS payment solutions are designed for businesses of all sizes, including small businesses, offering flexible pricing, simple setup and scalable features as transaction volumes grow.

The surcharge ban starts on 1 October 2026.

No, merchants will not be able to surcharge after October 2026.

Small businesses will likely need to adjust pricing strategies, but may benefit from lower fees and a simpler system long term.

PayNuts has pricing built for a surcharge‑free future, helping merchants reduce payment costs, optimise routing, and protect margins, without needing to pass fees onto customers.

Merchants can also contact PayNuts support for guidance on pricing, setup, and making a smooth transition ahead of the 2026 changes.

Integrated payments are payment systems where your EFTPOS terminal is directly connected to your point-of-sale (POS) system. This allows transaction amounts to be automatically sent from the POS to the payment device, reducing manual entry and improving checkout speed and accuracy.

When a sale is processed in your POS system, the total amount is automatically sent to the EFTPOS terminal. The customer then completes the payment using a card or digital wallet, and the transaction is instantly recorded back into the POS system.

Integrated EFTPOS reduces human error, speeds up transactions, and improves operational efficiency by removing the need to manually enter payment amounts. It also helps streamline reporting, reconciliation, and inventory management.

Yes. Integrated payment solutions are suitable for small, medium, and large businesses. They help small businesses improve efficiency, reduce checkout times, and deliver a more professional customer experience.

Yes. Online payment systems use encryption, tokenisation and PCI DSS-compliant security standards to protect customer data. This ensures that sensitive card details are never exposed during transactions.

Online payment systems are suitable for all business types including ecommerce stores, service providers, subscription businesses, retail, hospitality and professional services.

PayNuts Pulse is a portable Android EFTPOS terminal designed for fast, secure, and reliable payment processing. It features a compact design, touchscreen interface, built-in printer and multiple connectivity options.

PayNuts Pulse accepts major payment methods, including Visa, Mastercard, EFTPOS, American Express, Apple Pay, Google Pay, UnionPay, Afterpay, Zip Pay and Klarna.

Yes. PayNuts Pulse is a portable EFTPOS machine designed for businesses that need flexibility when accepting payments. With wireless connectivity options and a lightweight design, it is ideal for hospitality venues, retail environments and events. The terminal can be used outside of its charging base for up to 10 hours, providing reliable performance throughout your business day.

Yes. The terminal is designed with a user-friendly interface, making setup and daily operation simple for businesses of all sizes. It is also shipped ready to plug in and use, so you can start accepting payments right away with minimal setup required.

Portable payment solutions give businesses greater flexibility, allowing staff to accept payments wherever customers are located. This can improve efficiency, speed up service, and enhance customer satisfaction.

PayNuts Prime is an enterprise-grade EFTPOS terminal designed for businesses that require fast transaction processing, advanced connectivity options and reliable payment acceptance for high-volume operations.

Yes, PayNuts terminals integrate with more than 1,000 POS systems, helping businesses streamline operations, reduce manual entry, and improve reporting accuracy. They can also be seamlessly integrated with the PayNuts POS range for a fully connected payment and point-of-sale solution.

PayNuts Prime features a large 5.5-inch touchscreen display, a quad-core 1.4 GHz processor, 8GB eMMC Flash storage, 1GB DDR4 RAM and a high-capacity 5150mAh rechargeable battery for dependable performance throughout the day.

PayNuts Prime is designed to support enterprise payment solutions by offering fast transaction processing, advanced security features, multiple connectivity options and seamless POS integrations. These capabilities help businesses manage high transaction volumes efficiently while delivering a smooth payment experience for customers.

PayNuts Prime combines powerful hardware, flexible connectivity and broad payment acceptance, making it an ideal solution for businesses looking to scale their operations and streamline payment processing as they grow.

Yes. The PayPad is designed as a powerful countertop EFTPOS solution, offering the flexibility to operate as a fixed in-store terminal or a portable indoor payment device.

The PayPad is PCI compliant and uses encrypted transaction processing along with customer authentication measures to help ensure secure payments.

The PayPad is well suited for retail stores, cafés, restaurants, health and beauty businesses, automotive services and other businesses that require a reliable countertop payment solution.

The PayNuts PayPad features an intuitive EFTPOS machine keypad combined with a large HD touchscreen, allowing customers to enter PINs securely and complete transactions quickly. This dual-interface design enhances usability, improves transaction efficiency, and provides a seamless payment experience for both businesses and customers.

Yes. The terminal is fully PCI compliant and uses encrypted transactions along with strong customer authentication measures to help keep payments secure.

PayNuts Pocket is ideal for businesses that require mobility and flexibility, including trades and services, automotive businesses, events, hospitality, retail and other businesses that need to accept payments away from a fixed counter.

PayNuts Pocket is a reliable mobile EFTPOS machine that enables businesses to accept payments wherever they operate. With 4G, Wi-Fi and Bluetooth connectivity, a compact design, long battery life, and support for contactless and mobile wallet payments, it provides a convenient and secure payment solution for businesses on the move.

Yes. An optional second screen is available to display order details, payment prompts, QR codes, and promotional content, helping improve the customer experience.

PayNuts Flexi is suitable for hospitality, retail, health and beauty, and other service-based businesses that require efficient payment processing and point-of-sale management.

Yes. PayNuts Counter comes with a customer-facing second screen as standard, allowing businesses to display order details, QR codes, promotions, and other customer information.

Yes. PayNuts Counter supports flexible payment options, including split payments, refunds, exchanges, discounts, and major card and digital payment methods.

PayNuts Counter supports Wi-Fi, Bluetooth, and high-speed Ethernet connectivity, ensuring reliable performance in busy business environments.

Yes. The PayNuts Payment Gateway includes 3D Secure 2.0 protection, adding an extra layer of authentication to help reduce fraud and increase customer confidence during checkout.

Key benefits include secure online payments, fast transaction processing, support for multiple payment methods, flexible integration options, no lock-in contracts, and dedicated customer support.

An online payment gateway enables businesses to securely accept digital payments from customers through websites, mobile apps, and online stores. It helps streamline the checkout process, supports multiple payment methods, enhances transaction security, and provides a convenient payment experience that can improve customer satisfaction and increase sales.

When a customer is ready to pay, they are directed to a secure PayNuts checkout page where they can enter their payment details. Once the transaction is complete, they can be redirected back to your website.

A Hosted Payments Page offers a fast setup process, enhanced security, reduced development requirements, a streamlined checkout experience, and support for multiple payment methods.

Absolutely. The Hosted Payments Page includes 3D Secure 2.0 authentication, providing an additional layer of protection against fraud and chargebacks while helping customers feel confident during checkout.