EFTPOS Alternative for New Zealand
Accept card and bank payments with no EFTPOS terminal, no monthly fees, and no lock-in contract. Tillify is the modern EFTPOS alternative built for NZ small businesses.
Works with ANZ, ASB, BNZ, Westpac, and Kiwibank plus Visa, Mastercard, Apple Pay, and Google Pay — powered by New Zealand Open Banking APIs.
Why switch from EFTPOS
- No terminal to buy or rent
- Traditional EFTPOS terminals cost $500–$800 upfront and $20–$50/month in rental. Tillify runs on the phone or tablet you already own — free to set up.
- Works with any business type
- Whether you sell at a market stall, from a food truck, or online, Tillify adapts. Print a QR code, share a link, or embed a checkout in your website.
- Card and bank transfer in one
- Unlike most EFTPOS alternatives that only handle cards, Tillify also accepts Pay by Bank — direct transfers from ANZ, ASB, BNZ, Westpac and Kiwibank — usually at lower fees.
- No contracts, cancel any time
- Traditional EFTPOS providers lock you into 12–24 month contracts. Tillify has no contract. Start or stop whenever you need.
Tillify vs traditional EFTPOS in New Zealand
| Feature | Traditional EFTPOS | Tillify |
|---|---|---|
| Hardware required | Yes — dedicated terminal ($500–$800) | No — works on any phone or tablet |
| Monthly fees | $20–$50/month line rental | None |
| Lock-in contract | 12–24 months | No contract |
| Pay by Bank (direct bank transfer) | Not supported | Yes — ANZ, ASB, BNZ, Westpac, Kiwibank |
| Works anywhere | Fixed location (requires phone line or internet) | Anywhere — market, street, event, online |
| Setup time | Days to weeks (terminal delivery, installation) | Minutes (free account, no hardware) |
Who is switching from EFTPOS to Tillify?
How much does this EFTPOS alternative cost?
No setup fees, no hardware, no monthly subscriptions — just a simple transaction fee:
- Pay by Bank, sales under $6.25
- 5% (minimum $0.10). A $2 sale costs $0.10.
- Pay by Bank, sales $6.25 and above
- 1% + $0.25, capped at $2.50.
- Card payments
- Same Tillify fee plus standard Stripe processing fees (~2.9% + $0.30).
Common questions
- Is there an EFTPOS alternative in New Zealand?
- Yes. Tillify is a New Zealand EFTPOS alternative that lets businesses accept card payments (Visa, Mastercard, Apple Pay, Google Pay) and direct bank transfers with no EFTPOS terminal, no hardware, and no monthly fees. Customers pay by scanning a QR code.
- Can I accept card payments without an EFTPOS machine in NZ?
- Yes. Tillify lets you accept Visa, Mastercard, Apple Pay, and Google Pay using just a phone or tablet. You display a QR code, the customer scans it, and pays — no EFTPOS terminal required.
- What are the fees for an EFTPOS alternative in NZ?
- Tillify charges 1% + $0.25 per transaction, capped at $2.50, with no monthly fees. For Pay by Bank (bank transfers), small sales under $6.25 are charged at just 5% (minimum $0.10). There are no setup fees, no hardware costs, and no contracts.
- Which banks work with Tillify's EFTPOS alternative?
- Tillify's Pay by Bank feature works with all five major New Zealand banks: ANZ, ASB, BNZ, Westpac, and Kiwibank, powered by New Zealand Open Banking APIs.
Switch from EFTPOS to Tillify today
Free to set up. No hardware. No monthly fees. Works with all major NZ banks.
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