eftpos Australia

Eftpos is Australia’s local debit card network. More than 90% of eftpos cards are co-branded with either Visa or Mastercard, meaning you can process these cards over either network supported by the card.

Stripe processes co-branded eftpos cards over eftpos, plus either Visa or Mastercard, in accordance with least cost routing requirements and depending on the type of transaction.

Availability

Eftpos is available to any business that uses Stripe in Australia, with the following exceptions:

• Massage parlors (MCC 7297)
• Financial institutions—manual cash disbursements (MCC 6010)
• Financial institutions—merchandise and services (MCC 6012)
• Non-financial institutions—foreign currency, money orders and travelers’ checks. (MCC 6051)
• Remote stored value load—merchant (MCC 6530)
• Stored value card purchase/load (MCC 6540)
• Wires, money orders (MCC 4829)

Integration

If your integration can already accept card payments, you can also accept eftpos without additional updates.

Eftpos is the default network for payment. Unless you change the default network, you must inform your customers that whenever they use a dual-network debit card, their payments might be processed through the debit network, regardless of the logo that appears when they enter their payment information.

We recommend you notify your customers based on the type of payment transaction:

• For single payment transactions, display a notification to the customer before the completion of the checkout process.
• For new recurring payment transactions, display a notification to the customer at the time of setup.
• For existing recurring payment transactions, notify your customers in advance of future transactions.

You must notify your customers about how network routing functions, and how payments processing works. You can use the suggested notification message below:

We recommend that you provide further information in your Terms and Conditions or FAQs on how network routing functions and how payments processing works. For guidelines on best practices, see the Australian Payments Network MCR Online Notification Guidelines.

Understand which network processes payments

Stripe dynamically routes between the international scheme (Visa or Mastercard) and eftpos, depending on the type of payment, technical availability and authorization rate considerations:

• If a payment requires placing a hold on the card (in other words, if there’s a delay between authorization and capture), Stripe always routes to the international scheme.
• For other types of payments, Stripe generally defaults to the eftpos network.

If you require that eftpos is never the default network for any payments, contact support.

To identify which network a payment was processed on, inspect the network field on the Charge object associated with a successful Payment Intent:

{
  "id": "ch_1Ff52K2eZvKYlo2CWe10i0s7",
  "object": "charge",
  ...
  "payment_method_details": {
    "card": {
      "brand": "visa",
      ...
      "network": "eftpos_au"
    },
    "type": "card"
  }
}

Apple Pay support

Stripe supports processing eftpos cards through Apple Pay. When a customer with a co-branded card chooses eftpos, Stripe routes the transaction over the eftpos network.

Requirements

To accept eftpos cards through Apple Pay:

• Your Stripe account must be based in Australia
• The presentment currency must be AUD
• Your business must not be in any of the restricted categories for eftpos
• Apple Pay must be enabled in your Payment methods settings

How it works

When a customer pays with Apple Pay using an eftpos Australia card:

• Stripe detects when a customer pays with Apple Pay using a co-branded eftpos card.
• The customer selects the card brand at checkout on their Apple device.
• If the customer chooses eftpos, Stripe routes the transaction over the eftpos network.

To identify Apple Pay transactions processed over the eftpos network, inspect the network field on the Charge object, which shows eftpos_au, along with the wallet.type field showing apple_pay.

Integrate on iOS

If you have an existing Apple Pay integration, add eftpos as an enabled network by configuring the SDK when your app starts.

StripeAPI.additionalEnabledApplePayNetworks = [.eftpos]

Manual capture

Eftpos doesn’t support manual capture and Apple Pay eftpos tokens can only route through the eftpos network, with no fallback to Visa or Mastercard. Eftpos Apple Pay payments with manual capture always fail.

To accept eftpos Apple Pay, set the PaymentIntent capture_method to automatic (default) or automatic_async. If you also set payment_method_options.card.capture_method, use automatic (default) or automatic_async.

If you need manual capture for card payments, set capture_method to manual in your Payment Element configuration. This causes the Payment Element to hide eftpos Apple Pay, so customers see other available payment options instead of encountering a payment failure.