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	Payment Express - Payment gateway, wireless payments, IVR, online ecommerce payment processing and Integrated EFTPOS ...
		Payment Express - Payment gateway, wireless payments, IVR, online ecommerce payment processing and Integrated EFTPOS solutions
		EFTPOS, Billing, IVR, CRM, Vending, MOTO (Mail Order / Telephone Order), Web and Wireless.
		Copyright 2007 Direct Payment Solutions Ltd. All rights reserved.
	www.dps.co.nz (99 words)

	Print Article: The Eftpos fee debate still pushes a few buttons
		Zero interchange effectively shifts $150 million a year in Eftpos costs from banks to retailers - a cost that retailers say would have to be passed on to consumers.
		Paul Wood, director of aspiring Eftpos entrant MoneySwitch, which wants to process credit and Eftpos transactions for merchants, says if the banks get their way on zero interchange now, there is no incentive for them to tackle access.
		In the debate so far, the communications cost of an Eftpos transaction and the cost of Eftpos equipment upgrades have largely been ignored, allowing consumers to believe that without an interchange fee the transaction would be free.
	www.theage.com.au /cgi-bin/common/popupPrintArticle.pl?path=/articles/2003/09/05/1062549020389.html (973 words)

	What is eftpos? (Site not responding. Last check: )
		Eftpos is the method for paying for goods or services without needing to carry cash.
		Before the eftpos customer has had the goods put into a bag, the eftpos transaction will be complete.
		Confirmation of the eftpos transaction is sent to the store and passed on to the customer in the form of a printed eftpos transaction record.
	www.eftpos.com /meaning.html (192 words)

	Northern Territory News: Days are numbered for eftpos [ 11jan07 ]
		EFTPOS is bound for the scrapheap as more shoppers turn to debit cards to make cashless transactions.
		Woolworths, one of the biggest eftpos merchants, is also considering launching its own debit card, although it would not give details yesterday.
		ACA head of policy Gordon Renouf said PIN-based eftpos was cheaper and safer than debit cards, which attract a higher incidence of fraud.
	www.ntnews.news.com.au /common/story_page/0,7034,21038885^462,00.html (463 words)

	What is EFTPOS?
		EFTPOS, Electronic Funds Transfer Point of Sale, refers to the technology that allows a retailer to directly debit a customer's bank account by using a debit card.
		There are many advantages to using an EFTPOS for the retailer and customer alike.
		EFTPOS is extremely popular in the United States, the United Kingdom, Germany, Australia, New Zealand, and Canada.
	www.wisegeek.com /what-is-eftpos.htm (350 words)

	APCA - EFTPOS Access Update
		EFTPOS arrangements do not lend themselves easily to the development of access rules.
		Instead, most participants in EFTPOS are to some degree and some extent access providers.
		Running by the side of the EFTPOS Access project, and integral to its finalisation, is a project to review, update and reconstruct the CECS Manual.
	www.apca.com.au /Public/apca01_live.nsf/WebPageDisplay/News_EFTPOS_APR2004 (608 words)

	ACCC issues draft determination on ATM/EFTPOS transactions clearance rules
		EFTPOS provides customers with an electronic payment mechanism for the supply of goods and services at a merchant's point of sale (many merchants also offer a 'cash out' service).
		For an organisation to participate in the ATM or EFTPOS networks as an Issuer it would need to enter into bilateral interchange agreements with the Acquirers in the networks, or enter into an arrangement with a 'gateway' Issuer that has bilateral interchange agreements with the Acquirers.
		The object of CECS is to coordinate and manage standards and procedures to facilitate the conduct and settlement of exchanges of ATM and EFTPOS payment instructions between CECS Members and all aspects of the related clearing cycle.
	www.accc.gov.au /content/index.phtml/itemId/87423 (963 words)

	Eftpos Canterbury - About Us
		It was established in Canterbury in 1993 as Equinoxe with a vision of providing Cantabrians with state of the art point of sale equipment and an after sales service second to none.
		With a range of reliable Eftpos Terminals and quality consumables, we can provide our customers with effective solutions to meet their point of sale needs.
		Eftpos Canterbury Ltd has grown since inception with customers now stretching further afield than it's parochial beginnings from Queenstown to Auckland.
	www.eftpos.net.nz /xurl/PageID/1943/about-us.html (400 words)

	Praise for Eftpos shake-up - theage.com.au
		Consumers will be the main beneficiaries of planned changes to the Eftpos payment system, according to consumer groups.
		The Reserve Bank and consumer groups want changes to Eftpos to reduce the hidden fees charged by banks to retailers, which retailers pass on to consumers.
		The banks are also about to ask the Australian Competition and Consumer Commission for permission to reduce the Eftpos interchange fee - the fees the banks charge each other for processing Eftpos transactions - from 20 cents to zero.
	www.theage.com.au /articles/2003/02/18/1045330602306.html (558 words)

	The Epoch Times \| EFTPOS Reform to Encourage More Usage
		If the proposed reform is implemented, the maximum interchange fee in the EFTPOS system will be reduced to around 5 cents per transaction compared to the current level of around 20 cents.
		The changes are likely to introduce a more competitive EFTPOS fees structure to cardholders and provide greater incentive for financial institutions to promote this lower-cost system.
		In RBAs EFTPOS reform consultation document, it elaborated on the benefits of the reform to the society — encouraging more use of cheaper payment choice would reduce merchants’ overall costs and in turn put downward pressure on the overall level of prices for goods and services.
	www.theepochtimes.com /news/5-3-29/27441.html (504 words)

	NSW Office of Fair Trading: Seniors
		EFTPOS provides a means of paying for a wide range of purchases without the need to carry a large amount of cash for shopping.
		Another advantage of EFTPOS is that stores may also allow you to make a cash withdrawal from your account at the time they are debiting for your shopping.
		The education forums referred to earlier also cover the use of EFTPOS, and the banks involved in public education include ‘hands on’ practice as part of their program.
	www.fairtrading.nsw.gov.au /seniors/yourmoney/modernbankingmethods.html (655 words)

	Spending swipeout - moneymanager.com.au
		One alternative was to reduce the interchange fees payable on Eftpos transactions to zero; this option has been presented to the ACCC for formal approval.
		Since the introduction of Eftpos in Australia, banks have passed on some of the interchange fee to several leading retailers and petrol stations to help them cover the cost of the Eftpos system.
		The Australian Retailers Association is arguing this could have implications for consumers at the checkout because it will increase the average cost of an Eftpos transaction from 17 cents to as high as 37 cents for the retailer.
	www.moneymanager.com.au /banking/guides/articles/cc08.html (985 words)

	Henry Thornton - A SLEEPER SURFACES
		A submission, in the EFTPOS interchange fee case, which the Reserve Bank made in April to the Australian Competition Tribunal (ACT) finally surfaced this week: it was posted without notice in the 'payments policy' area at 'rba.gov.au'.
		Even though the Australian Competition Tribunal (ACT) recently set aside a proposed agreement between banks, to set EFTPOS interchange fees at zero for three years, the Reserve Bank may simply re-impose the agreement on the community, deciding that it is in the public interest to do so.
		Even though the costs of accepting EFTPOS are likely to rise, the evidence suggests that for many merchants it will still be cheaper to accept EFTPOS than to accept credit cards.
	www.henrythornton.com /article.asp?article_id=2718 (891 words)

	consumer.org.nz: Home > News > Eftpos privacy
		Your bank account details on eftpos and credit cards are recorded on a strip of magnetic tape.
		Borders' website says the chain's policy is to collect customer information, including purchase history, when you make a purchase at a shop or over the internet.
		Nevertheless, Carl was concerned that Borders' database would not be as secure as the eftpos system, and that he could be in trouble with his bank for disclosing account information to a third party.
	www.consumer.org.nz /newsitem.asp?docid=2216&category=News&topic=Eftpos%20privacy (542 words)

	Buyers to cash in on cheaper Eftpos - Banking - smh.com.au
		The payments were meant to encourage the uptake of Eftpos when it was introduced, but somehow the big retailers managed to keep them.
		When its reforms kick in, probably in a couple of months, banks are going to be paying a lot less when we use Eftpos a cost saving that should, by rights, flow through to us.
		In the meantime, Eftpos is already an incredibly cheap way of accessing your money if you also get cash out when you use it.
	www.smh.com.au /articles/2004/10/31/1099189929630.html?from=storylhs (552 words)

	Reserve Bank win over retailers in Eftpos case - Business - Business
		The group believes that the bank will reduce the interchange fees that cover the cost of card transactions, forcing merchants to recoup their costs - estimated to be $170 million - by passing them on to consumers.
		In the Federal Court, Justice Mark Weinberg said the Reserve Bank's reason for designating the Eftpos system was that it believed the current interchange arrangements were not conducive to the efficiency of the overall payments system.
		He said the retailers' challenge was based on the bank's decision merely to designate and not a decision to impose specific regulations upon the Eftpos system.
	www.smh.com.au /news/business/reserve-bank-win-over-retailers-in-eftpos-case/2005/11/28/1133026404105.html (509 words)

	Commonwealth Bank EFTPOS giving dates in 2099 (Sydney, Australia)
		He advised me that the issue was known prior to 1 Jan 2000 and all merchants had received written advice to shut down their EFTPOS units prior to starting trade in 2000.
		I rang them after reading these other responses and the lady in the office was horrified and said she was never informed by Commonwealth Bank of the problem.
		She is stopping the use of the eftpos machine until she gets answers.
	www.greenspun.com /bboard/q-and-a-fetch-msg.tcl?msg_id=002Dou (497 words)

	BankSA - EFTPOS for CONVENIENT and secure business payments
		EFTPOS has quickly become the preferred method of payment for businesses and their customers alike.
		BankSA Mobile EFTPOS is the ideal electronic payment solution for those businesses operating outside a shop environment.
		An EFTPOS terminal that’s as mobile as you are.
	www.banksa.com.au /merchant_services/eftpos/default.asp?orc=business (585 words)

	QuickFuel 2007/08 - Integrated EFTPOS
		The down side for a retailer is having to reconcile their cash register or Retail POS figures with the EFTPOS figures for the day.
		Integrating your EFTPOS terminal with Retail POS reduces the room for error and therefore the pain of reconciling two figures every day.
		Integrated EFTPOS simply means connecting your terminal with one cable to your Retail POS PC, setting up a few options and you are away.
	www.quicken.com.au /RetailSolutions/QuickFuel/integratedEFTPOS.aspx (357 words)

	Ministry of Consumer Affairs - Media Centre - A Word of Advice - Fees and EFTPOS Charges
		And the Ministry of Consumer Affairs has been hearing a few of these cries echoing around the country regarding the rounding of prices and the charging of EFTPOS and cheque fees.
		Charging service fees for using EFTPOS for withdrawing cash is not common practice, but traders can choose to – again, they must tell you this verbally or in writing before you withdraw the cash.
		If you are paying by cheque, credit card, or EFTPOS the trader should not round the price.
	www.consumeraffairs.govt.nz /mediacentre/wordofadvice/1999/eftpos.html (335 words)

	Cabcharge / EFTPOS - Yellow Cabs
		Cabcharge EFTPOS FAREWAY Systemâ¢ is extremely popular with consumers and taxi drivers right across Australia because of its convenience and speed.
		As we move towards a "cashless society", more and more people are relying on EFTPOS to pay for their everyday goods and services.
		EFTPOS terminals are already commonplace - in supermarkets, service stations, local shops...
	www.yellowcab.com.au /content/?id=29 (987 words)

	Adelaide Bank - EFTPOS
		Adelaide Bank cardholders (Cashcard / Visa) can use more than 500,000 EFTPOS terminals around Australia.
		EFTPOS simply transfers the value approved by you from your selected account, into the account held by the Merchant (business).
		Adelaide Bank businesses can benefit from having EFTPOS Merchant facilities as this can reduce their cash holdings and attract more sales.
	www.adelaidebank.com.au /do_my_banking/eftpos.html (207 words)

	Payment Solutions - PC EFTPOS
		PC EFTPOS is an integrated payment solution designed for small, medium or large enterprises wanting reduced complexity with their EFTPOS system.
		PC EFTPOS works with a wide range of existing software and hardware configurations, and is certified with a number of Point of Sale (POS) systems.
		A fully integrated payment solution that allows merchants to link EFTPOS payment to their PC based Point of Sale (POS) system.
	www.eftpos.co.nz /bs_pce.html (121 words)

	Commonwealth Bank Group - Personal - Day to Day Banking - Easy Ways to Bank - EFTPOS
		With EFTPOS - Electronic Funds Transfer at Point of Sale - you can use your card to make purchases or withdraw cash at the same time (at the retailer's discretion) from more that 103,000 merchants across Australia.
		Simple to operate - just swipe your card through the EFTPOS card reader, select your account type, punch in your PIN number and your done.
		Access throughout Australia - EFTPOS is available at most supermarkets, petrol stations and retail outlets.
	www.commbank.com.au /personal/DayBanking/EFTPOS.asp (175 words)

	Eftpos Specialists Group - Frequently Asked Questions
		Every EFTPOS terminal in New Zealand is affected by these new standards.
		This depends on the EFTPOS terminal you have and the software which runs it.
		In future regular upgrades of EFTPOS equipment and software will be required.
	www.eftpos-specialists.co.nz /faqs.htm (349 words)

	EFTPOS Technology Products :: EFTPOS.NET
		The ICE PLUS EFTPOS terminal is the most innovative POS solution in the industry, and is renowned for its intuitive ease of use.
		As well as providing full traditional EFTPOS capabilities the ICE Plus also introduces a range of new and exciting benefits for your business.
		The T7Plus is also easy to operate, with a 35-key layout allowing for simple one-touch access to all EFTPOS and management functions.
	www.eftpos.net /products.htm (553 words)

	AdelaideNow... EFTPOS doomed: Experts
		EFTPOS looks bound for the scrapheap as more shoppers turn to debit cards to make cashless transactions.
		Australian Bankers Association chief executive David Bell said it was too early to sound the death knell for EFTPOS.
		like and trust the EFTPOS system and we are confident in saying it will be around for a very long time," Mr Bell said.
	www.news.com.au /adelaidenow/story/0,22606,21045045-5006301,00.html (465 words)

	Junior Savers: About EFTPOS
		EFTPOS means Electronic Funds Transfer at Point of Sale.
		To use EFTPOS, you must have a special plastic card that is your key to your account and will let you access your money from shops.
		EFTPOS machines are found in all sorts of shops.
	www.qtcu.com.au /jsavers/money/accessing_your_savings/eftpos.html (230 words)

	Security Watch » Blog Archive » Shell EFTPOS - so that’s how they did it
		Despite Shell going very quiet, it seems that the fraudsters acquired a number of the EFTPOS units concerned and tried various methods of breaking into the devices physically and beating the units’ tamper-proof self-destruct system.
		If my contacts are to be believed, they discovered that, if the units were drilled into on one side at a specific point, the self-destruct mechanism did not trigger.
		Using this approach allowed the EFTPOS units to be modified and then swapped for legit units out at the Shell stations concerned.
	securityblog.itproportal.com /?p=364 (305 words)

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