Are you happy using PayPal and/or Stripe for accepting Online Payments?

“It is killing my small business,” this is a comment I am receiving far too often from clients who are using either PayPal or Stripe for accepting payments online. 

“So why use PayPal and/or Stripe?” I ask and the response is “I use what everyone else uses.” 

This article is not intended to tarnish PayPal and or Stripe but to provide options for you to consider for your Online Payments. 

What if you were guaranteed funds into your bank account within 2 business days? 

And it does not matter which bank in Australia you bank with either!! 

In this business environment of rising costs and diminishing returns, you can offer to pass on the transaction costs to your clients, therefore making this Hosted Payment Page (HPP)- provided By Payrix (formerly Integrapay) “fee free to your business.” 

This is also a more time and cost effective option if you are accepting or wanting to accept payments over the telephone.

Having over 20 years banking experience in Australia, my business Costless Payment Solutions, was established with a desire to “give you back control” of the fees you have been paying to the banks for your Payment Solutions. 

So, what would you do with the $5000, $10,000 or more than I will save you?? 

There is no cost in talking with me!! 


Telephone- 0419762478 

Direct Debiting With No Costs For Your Business, Club Or Association!!

Are you continually charging a client the same or varying amounts?

You may think is there a more time saving and cost effective way to process this transaction!!

Well perhaps a Direct Debiting Solution may be your answer.

Direct Debit (DD) payment solution enables you to automate payments on a recurring and subscription basis from either a Bank Account or Credit Card.

The solution I provide even offers the option for you to “pass on” the transaction costs to your clients if you wish!!

Effectively making this solution, cost neutral to your business, club or association.

Using our direct debit payments solutions, you can process payments easily and securely to reduce manual effort, errors, and processing costs.

Is daily reporting (Monday to Friday) of payments received and rejected important to you?

Well this is an additional service provided with this product.

For further information, please refer to :-

Telephone 0419762478

What should you consider when selecting an EFTPOS Provider!!

Every day, Australians make 6 million card transactions, which are handled by more than 760,000 EFTPOS terminals – and it can feel like you have just as many options when it comes to EFTPOS providers.

Should you go with your bank? Or a new tech company? Or a local payments expert like Smartpay?

It feels overwhelming, but it does not need to be. All you need to do is focus on what is important to your business.

How to work out what EFTPOS features matter to your business.

If you are not clear on what matters to your business, you can look at what others think.

When Canstar surveyed Australian retailers about merchant services, they found retailer satisfaction was driven by: –
21% Customer Service,20% Fees/Charges, 20% Speed of Service/Transaction, 15% Reliability,13% Online Reporting, 11% Device Functionality.

Why Customer Service Is So Important

Payments are the lifeblood of any business. That is why merchants rate customer service importance so highly.

When looking at an EFTPOS provider, you might consider:

Do they offer 24/7 support?

Can you call an expert or are you stuck with a chatbot?

Is the customer team based in Australia or overseas?

Smartpay provides an easy plug and play set up with remote software updates to make your life hassle free.

Fees and Charges

Two out of three Australian merchants believe they could get a better deal on EFTPOS fees by shopping around – but less than one in four will switch their current provider.

Why is that?

Probably because there are so many different fee structures for Merchant Services out there, and this can make comparing options confusing.

All-inclusive monthly plans (like what the banks’ offer) will have you paying for transactions you do not use, while interchange plus will have you scratching your head with all the different charges for different cards.

Smartpay’s Simple Flat Rate is a straight-forward and transparent option that offers simplified competitive rates and is easy to compare.

You can instead choose to wipe out all Merchant Fees by passing the costs on to customers with Smart Charge.

You might be surprised, but most customers do not mind paying a surcharge when it is done right.

If you are like most businesses, you want to get paid quickly.

If you trade during the weekend, check the provider settles weekend trading too, so the money is in your account on Monday.

Also check if a provider verifies you and your business before they set you up. If they do not verify you properly at sign up, they could withhold your funds later to check details they should have been confirmed earlier.

Future- Proofing your payment solution.

Unless you are a pop-up shop, you want an EFTPOS provider who is thinking about the future.

You want to know they will be here for you today with reliable hardware, and there for you tomorrow with smart innovations.

You might ask:
• How simple is this solution to set up?
• How easy is it for my staff to use?
• Who maintains the security software?
• How can I connect to the network? Fixed line, Wi-Fi or mobile?
• How easy is it to upgrade terminals?
• Can we integrate with a POS system like Vend?
• Can we accept Chinese mobile payments like Alipay or WeChat Pay?

Future proof your business with a terminal that works the way you demand.

Smartpay does not just sell EFTPOS solutions, we develop and maintain our own payment hardware and software too.

That allows us to focus on the innovations that matter to Australian businesses, like Alipay and WeChat or POS Integrations, and make this available sooner.

Xero Accounting Software

Are you using Xero Accounting Software and experiencing Cash Flow Issues?

Well I can help you!!

With the “Pay Now” button I provide on the invoice, it gives you the ability to have your client pay as soon as they receive the emailed invoice.

The client is able to pay you from their credit card, debit card, bank account or by bpay.

Did I mention, that the transaction costs are able to be paid by your client (if you wish)!!

For more information:-

call 0419762478419762478

Fee Free Direct Debiting

Are you invoicing the same client for the same amount each week, fortnight, month or year?

Have you considered, How much time and money you would save if this process was automated?

You are thinking well how much will this cost me!!!

Well how about $0!!!

That is right, I am able to provide a Direct Debiting Solution to your Business, Club or Association “Free of Charge”

For more information:-please call 0419762478

What the banks wont tell you about your business EFTPOS:-

1) You don’t have to pay a monthly EFTPOS Bill

1) You don’t have to pay a monthly EFTPOS Bill

2) Keep your bank account , and switch to an EFTPOS Specialist

3) You should not have to wait in a queue to seek help/assistance

4) Set Up should be plug in and use

Get started with Smartpay and start saving $$$$$$$ and join 1000’s of Australian Businesses who have.

I look forward to helping you


Towards a possible cashless society in 2024

In this podcast I discuss our possible journey towards a cashless society in Australia

#business #entrepreneur #podcastepisode #podcastguest #podcastinterview #podcastplaylist #podcasts #podcastshow #rosedavidson #smallbusiness #talkingwiththeexperts #video #vodcast 

Credit Card Spending In Australia Exceeds $25,000,000,000 in one month

For the month of November 2021, Australians transacted $25.7 billion in credit card transactions.

This being the highest value of monthly transactions for 19 years.

While during the same month (November 2021), $43.1 billion of debit card transactions were transacted in our economy.

Perhaps we wanted to forget about the pandemic for a short while and focus on Christmas?

For Credit Card Merchants, what fee relief has your bank provided you with as a result of this unprecedented avalanche of transactions?

I would presume no relief at all!!!

#Zero Bank Fee Eftpos Terminals

No time like the present to save $$$$$$