{"id":1943,"date":"2026-04-06T19:57:18","date_gmt":"2026-04-06T09:57:18","guid":{"rendered":"https:\/\/www.hashmicro.com\/au\/blog\/?p=1943"},"modified":"2026-05-21T16:58:57","modified_gmt":"2026-05-21T06:58:57","slug":"eftpos","status":"publish","type":"post","link":"https:\/\/www.hashmicro.com\/au\/blog\/eftpos\/","title":{"rendered":"Understanding How EFTPOS Payments Work for Retail and Hospitality"},"content":{"rendered":"<!-- <div id=\"toc_group_article\" style=''>\r\n\t<p style='font-size:25px;font-weight:bold; margin-bottom:0px'>\r\n\t\tTable of Content:\r\n\t<\/p>\r\n\t<ul id=\"list_toc\" class='list_toc'><\/ul>\r\n<\/div> -->\r\n\r\n<!-- <div class=\"dropdown-fixed-top\" id=\"dropdown-fixed-top\">\r\n\t<div class=\"row\">\r\n\t\t<p id=\"pilihDaftarIsi\">Table of Content<\/p>\r\n\t\t<p><i class=\"td-icon-menu-down\"><\/i><\/p>\r\n\t<\/div>\r\n\t\r\n\t<div>\r\n\t\t<ul id=\"list_toc_top\" class='list_toc'><\/ul>\r\n\t<\/div>\r\n<\/div> -->\r\n\r\n<div id=\"placeholder-toc\"><\/div>\r\n<div id=\"toc\">\r\n    <div class=\"header\">\r\n\t<span class=\"toc-title\" id=\"toc-title\">Table of Content<\/span>\t\r\n\t <i class=\"toc-icon\">\r\n        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"30\" height=\"30\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#000\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"header-icon\">\r\n          <path d=\"m6 9 6 6 6-6\" \/>\r\n        <\/svg>\r\n      <\/i>\r\n\t<\/div>\r\n    <div class=\"list\">\r\n      <ul id=\"toc-list\"><\/ul>\r\n    <\/div>\r\n <\/div>\r\n\r\n<style>\r\n\t@media (max-width: 992px) {\r\n\t\t#toc_group_article {\r\n\t\t\tpadding-top: 24px;\r\n\t\t}\r\n\t}\r\n\t\r\n\t#list_toc_float {\r\n\t\tmax-height: calc(100vh - 250px);\r\n\t\toverflow-y: auto;\r\n\t}\r\n\t\r\n\t#list_toc_top {\r\n\t\tdisplay: none;\r\n\t\tbackground: #fff;\r\n\t\tmargin-bottom: 4px;\r\n\t}\r\n\t\r\n\t#list_toc_top li {\r\n\t\tdisplay: block;\r\n\t\tmargin-left: 0;\r\n\t\tlist-style: none;\r\n\t}\r\n\t\r\n\t#list_toc_top a {\r\n\t\tpadding: 5px;\r\n\t\tdisplay: block;\r\n\t}\r\n\t\r\n\t#list_toc_top.show {\r\n\t\tdisplay: block;\r\n\t}\r\n\r\n\t#list_toc_top a {\r\n\t\tcolor: #434343;\r\n\t\tborder-bottom: 1px solid #bbb;\r\n\t}\r\n\t\r\n\t.dropdown-fixed-top {\r\n\t\tposition: fixed;\r\n\t\ttop: 59px;\r\n\t\twidth: 100%;\r\n\t\tz-index: 99;\r\n\t\tborder-bottom: 2px solid #9c171e;\r\n\t\tpadding: 12px;\r\n\t\tbackground: #fff;\r\n\t\twidth: 100%;\r\n\t\tcursor: pointer;\r\n\t\tdisplay: none;\r\n\t\tleft: 0;\r\n\t\tbox-shadow: 0 -2px 7px 6px rgba(0, 0, 0, 0.17);\r\n\t}\r\n\t\r\n\t#dropdown-fixed-top.show {\r\n\t\tanimation: showAnim 0.5s ease;\r\n\t\tdisplay: block;\r\n\t\topacity: 1;\r\n\t}\r\n\t\r\n\t@keyframes showAnim {\r\n\t\tfrom {\r\n\t\t\tdisplay: none;\r\n\t\t\topacity: 0;\r\n\t\t}\r\n\t\tto {\r\n\t\t\tdisplay: block;\r\n\t\t\topacity: 1;\r\n\t\t}\r\n\t}\r\n\t\r\n\t.dropdown-fixed-top #list_toc_top {\r\n\t\tmax-height: calc(50vh - 110px);\r\n\t\toverflow-y: scroll;\r\n\t}\r\n\t\r\n\t.dropdown-fixed-top .row {\r\n\t\tdisplay: flex;\r\n\t\tjustify-content: space-between\r\n\t}\r\n\t\r\n\t.dropdown-fixed-top .row p {\r\n\t\tmargin-bottom: 0;\r\n\t}\r\n\t\r\n\t#pilihDaftarIsi {\r\n\t\tmax-width: 100%;\r\n\t\toverflow: hidden;\r\n\t\twhite-space: nowrap;\r\n\t}\r\n\t\r\n\t@media (min-width: 1018px) {\r\n\t\t.dropdown-fixed-top {\r\n\t\t\tdisplay: none;\r\n\t\t}\r\n\t}\r\n\t\r\n\t#list_toc li {margin-bottom: 0;margin-top: 5px;}\r\n\t#list_toc > li > ul {padding-left: 20px;margin-bottom: 0;}\r\n\t#list_toc{height:max-content;transition:ease-in-out}\r\n\t#list_toc li {margin-bottom: 0;margin-top: 5px;}\r\n\t#list_toc_float li.active > a {color:#b1252d;background: #ffe1e3;}\r\n\t#list_toc_top li.active > a {color:#b1252d;background: #ffe1e3;}\r\n\t#list_toc_float li a {padding:3px 7px}\r\n\t#list_toc_float li a {\r\n\t\tdisplay: block;\r\n\t\tcolor: #000;\r\n\t\tmargin-bottom: 6px;\r\n\t\tpadding-top: 2px;\r\n\t\tpadding-bottom: 2px;\r\n\t\ttransition: all 0.2s ease-in-out;\r\n\t\tfont-size: 15px;\r\n\t\tline-height: 18px;\r\n\t}\r\n\t#list_toc_float li{list-style:none;list-style-position:inside; margin-left:0;}\r\n\t#list_toc_float a:hover{color:#b1252d;}\r\n\t\r\n\t#toc_group_float{\r\n\t\tline-height: 24px;\r\n\t\tmax-height: calc(100vh - 100px);\r\n\t\toverflow: auto;\r\n\t\tz-index: 99;\r\n\t\tdisplay:none!important;\r\n\t\tbackground:#fff;\r\n\t\ttransition:all 0.5s linear\r\n\t}\r\n\t\r\n\t@media (min-width:1019px){\r\n\t\t#toc_group_float {\r\n\t\t\tdisplay:block!important;\r\n\t\t\t}\r\n\t\t\t\t#toc_group_article {\r\n\t\t\tdisplay:none;\r\n\t\t}\r\n\t}\r\n\r\n<\/style>\r\n\r\n<!-- ToC styling  -->\r\n<style>\r\n\t\/* Simple styling for the TOC *\/\r\n\t\r\n\t#toc ul li:last-child {\r\n    padding-bottom: 16px; \/* Adjust the value as needed *\/\r\n}\r\n\r\n.td-fix-index {\r\n\t transform: unset !important;\r\n     -webkit-transform: unset !important; \r\n}\r\n.footer-contact .td-fix-index {\r\n\t transform: translateZ(0) !important;\r\n     -webkit-transform: translateZ(0) !important; \r\n}\r\n\t.tdb_single_content .tdb-block-inner.td-fix-index{\r\n\t\tposition: static;\r\n\t}\r\n\t\r\n\r\n\t\r\n#toc {\r\n  background-color: #FFF;\r\n\tpadding: 17px 24px 0px 24px !important;\r\n  margin-bottom: 20px;\r\n\/*   border: 1px solid #9C171E; *\/\r\n  border-radius: 6px;\r\n\tdisplay: none;\r\n  max-width: 100%;\r\n  transition: .4s ease height;\r\n\tmargin-left: 0;\r\n\toverflow: hidden;\r\n}\r\n\r\n#toc .header{\r\n  display: flex;\r\n  align-items: center;\r\n  justify-content: space-between;\r\n\tbackground-color: transparent;\r\n}\r\n\t\r\n\t#toc.sticky .header{\r\n\t\tpadding: 4px 0;\r\n\t}\r\n\t\r\n.header p{\r\n  font-size: 18px !important;\r\n  font-weight: 600 !important;\r\n  color: #393939;\r\n   margin-bottom: 0;\r\n  \/* margin-top: 20px; *\/\r\n}\r\n\r\n.toc-icon{\r\n  float: right;\r\n\/*   visibility: hidden; *\/\r\n}\r\n\r\n\t.toc-title{\r\n\t\tmargin-right: auto;\r\n\/* \t\tpadding-left: 20px; *\/\r\n\t\tfont-weight: 600;\r\n\t\talign-self: center;\t}\t\r\n\r\n#toc ul {\r\n  list-style-type: none;\r\n  padding-left: 0;\r\n}\r\n\t\r\n#toc.sticky ul{\r\n\toverflow-y: auto;\r\n\tmax-height: 250px;\r\n\tmargin-top: 0px;\r\n\tpadding-top: 20px;\r\n\/* \tborder-top: 1px solid #d3d3d3; *\/\r\n}\r\n\t\r\n#toc ul li {\r\n\/*   margin-bottom: 10px; *\/\r\n  margin-bottom: 10px;\r\n\tmargin-left: 0;\r\n\ttransition: .2s ease;\r\n\tcursor: pointer;\r\n}\r\n\t\r\n\t#toc.sticky ul li {\r\n\t  margin-right: 10px;\r\n\t}\r\n\t\r\n.td-post-content #toc-list li a:hover, .td-post-content #toc-list a.active{\r\n\tbackground-color: #FFF;\r\n\/* \tpadding: 8px 16px 8px 16px; *\/\r\n\tpadding: 4px 16px 4px 16px;\r\n\tborder-radius: 6px;\r\n\tcolor: #9c171e !important;\r\n\tfont-weight: 600 !important;\r\n}\r\n\t\r\n\t.td-post-content #toc-list li:hover a, .td-post-content #toc-list a.active{\r\n\t\tcolor: #9C171E !important;\r\n\t\tfont-weight: 600 !important;\r\n\t}\r\n\t\r\n.td-post-content #toc-list a.active{\r\n\tfont-weight: bold !important;\r\n\tcolor: #9C171E !important;\r\n}\r\n\t\r\n#toc a, .td-post-content #toc-list a {\r\n  text-decoration: none;\r\n  color: #ea1717 !important;\r\n  transition: .2s ease;\r\n\tfont-weight: 400 !important;\r\n\tdisplay: block;\r\n\t\r\n\tpadding: 4px 16px 4px 0;\r\n}\r\n\r\n#toc.sticky {\r\n  position: fixed;\r\n\/*   top: 73px; *\/\r\n\tbottom: 0;\r\n  z-index: 100; \r\n  box-shadow: 0 2px 5px rgba(0,0,0,0.1); \r\n\twidth: 100%; \r\n\tbackground-color: #FFF;\r\n\/* \tbackground-color: #FFF1F1; *\/\r\n\tborder-bottom: 1px solid #ea1717;\r\n\/*   border: 1px solid #393939; *\/\r\n  box-shadow: 0px 0px 14px 0px #00000040;\r\n  cursor: pointer;\r\n\tanimation: fadein .3s ease;\r\n\tpadding: 12px 16px !important;\r\n}\r\n\t\r\n\t.fadein{\r\n\t\tanimation: fadein .3s ease;\r\n\t}\r\n\t\r\n\t.fadeout{\r\n\t\tanimation: fadeout .3s ease;\r\n\t}\r\n\t\r\n\t\r\n\t@keyframes fadein{\r\n\t\t0% {\r\n\t\t\topacity: 0;\r\n\t\t}\r\n\t\t100%{\r\n\t\t\topacity: 1;\r\n\t\t}\r\n\t}\r\n\t\r\n\t@keyframes fadeout{\r\n\t\t0% {\r\n\t\t\topacity: 1;\r\n\t\t}\r\n\t\t100%{\r\n\t\t\topacity: 0;\r\n\t\t}\r\n\t}\r\n\r\n\t\r\n#toc.sticky .header p{\r\n\tmargin-bottom: 10px;\r\n\tmargin-top: 10px;\r\n}\r\n\r\n#toc.sticky .toc-icon{\r\n  visibility: visible;\r\n\/* \ttransition: 0.4s ease; *\/\r\n}\r\n\t\r\n\t.toc-icon{\r\n\t\talign-items: center;\r\n    \tdisplay: flex;\r\n\t}\r\n\t\r\n\tsvg.header-icon{\r\n\/* \t\tbackground-color: #9c171e; *\/\r\n\t\tbackground-color: #FFF;\r\n\t\tborder-radius: 30px;\r\n\t\tpadding: 5px;\r\n\t}\r\n\r\n#toc.sticky .list{\r\n\/*   max-height: 0; *\/\r\n  transition: height 0.4s ease;\r\n}\r\n\t\r\n\t#toc .list{\r\n\/*   max-height: 0; *\/\r\n  transition: height 0.4s ease;\r\n}\r\n\r\n#toc .header.active .toc-icon{\r\n\ttransform: rotate(0deg); \r\n\topacity: 1;\r\n}\r\n\r\n\t#toc .header.active + .list {\r\n\t  max-height: 200px; \/* Adjust this value as needed *\/\r\n\t  opacity: 1;\r\n\t}\r\n\t\r\n\t#placeholder-toc{\r\n\/* \t\tdisplay: none; *\/\r\n\t}\r\n\t\r\n\t@media (min-width: 768px) and (max-width: 991px){\r\n\t\t#toc.sticky{\r\n\/* \t\t\ttop: 104px; *\/\r\n\t\t\tbottom: 0px;\r\n\t\t}\r\n\t\t\r\n\t\t#toc{\r\n\t\t\twidth: unset !important;\r\n\t\t}\r\n\t}\r\n\t\r\n\t@media (max-width: 767px){\r\n\t\t#toc{\r\n\t\t\twidth: 100% !important;\r\n\t\t\tdisplay: inline-block;\r\n\t\t}\r\n\t\t\r\n\t\t#toc.sticky{\r\n\t\t\twidth: 90% !important;\r\n\/* \t\t\ttop: 81px; *\/\r\n\t\t\tbottom: 60px;\r\n\t\t\tmargin-left: auto;\r\n\t\t\tmargin-right: auto;\r\n\t\t\tpadding: 0 16px;\r\n\t\t\tright: 5%;\r\n\t\t}\r\n\t}\r\n\t\r\n\t<\/style>\r\n\r\n<!-- ToC List for mobile -->\r\n<script>\r\n \/\/ Generate TOC based on headings\r\ndocument.addEventListener(\"DOMContentLoaded\", function() {\r\n  \/\/ Get the element that will contain the TOC\r\n  const tocList = document.getElementById('toc-list');\r\n\r\n  \/\/ Get the element with the ID 'article-left'\r\n  const article = document.querySelector('.td-post-content');\r\n\r\n  \/\/ Find all h2 elements within 'myarticle'\r\n  const headers = article.getElementsByTagName('h2');\r\n\r\n  \/\/ Loop through the h2 elements and create a list item for each one\r\n  for (let i = 0; i < headers.length; i++) {\r\n    const header = headers[i];\r\n    const headerText = header.textContent;\r\n\/\/     const headerId = 'header-' + i;\r\n    const headerId = headerText\r\n    .toLowerCase()\r\n    .trim()\r\n    .replace(\/[^\\w\\s-]\/g, '')  \/\/ hapus tanda baca\r\n    .replace(\/\\s+\/g, '-'); \/\/ ganti spasi jadi \"-\"\r\n\r\n    \/\/ Set an ID for the header if it doesn't have one\r\n    header.setAttribute('id', headerId);\r\n\r\n    \/\/ Create a list item for the TOC\r\n    const listItem = document.createElement('li');\r\n\r\n    \/\/ Create a link for the list item\r\n    const link = document.createElement('a');\r\n    link.setAttribute('href', '#' + headerId);\r\n    link.textContent = headerText;\r\n\r\n    \/\/ Append the link to the list item\r\n    listItem.appendChild(link);\r\n\r\n    \/\/ Append the list item to the TOC list\r\n    tocList.appendChild(listItem);\r\n  }\r\n});\r\n\r\n\/\/ Keep height and placement of content using placeholder in place of TOC\r\ndocument.addEventListener(\"DOMContentLoaded\", function() {\r\n  const toc = document.querySelector('#toc');\r\n  const placeholderToc = document.querySelector('#placeholder-toc');\r\n\r\n  function setPlaceholderHeight() {\r\n    placeholderToc.style.height = `${toc.offsetHeight}px`;\r\n  }\r\n\r\n  \/\/ Set the initial height of the placeholder\r\n  setPlaceholderHeight();\r\n\r\n  \/\/ Update the height on window resize\r\n  window.addEventListener('resize', setPlaceholderHeight);\r\n});\r\n  const tocTitle = document.querySelector('#toc-title'); \/\/ Assuming header-faq is the element for TOC title\r\n\r\n\/\/ Sticky TOC and update heading\r\ndocument.addEventListener(\"DOMContentLoaded\", function() {\r\n  const toc = document.querySelector('#toc');\r\n  const footer = document.querySelector('.td-footer-template-wrap');\r\n  const tocParent = toc.parentElement;\r\n  const divTop = tocParent.getBoundingClientRect().top + window.pageYOffset;\r\n  const tocHeight = toc.offsetHeight;\r\n  const triggerPoint = divTop + tocHeight + 700;\r\n  const footerHeight = footer.offsetHeight;\r\n  const triggerFooterPoint = footer.getBoundingClientRect().top + window.pageYOffset - footerHeight - footerHeight - footerHeight;\r\n  const phtoc = document.querySelector('#placeholder-toc');\r\n  const headers = document.querySelectorAll('.td-post-content h2');\r\n  const navLinks = document.querySelectorAll('#toc-list a');\r\n\t\r\n\tconst panel2 = document.querySelector(\"#toc .list\");\r\n\tvar icon = document.querySelector(\".toc-icon\");\r\n\r\n  let activeLink = null; \/\/ Declare activeLink outside the loop\r\n\t\r\n  \/\/ Function to handle scroll and add\/remove .sticky class\r\n  function handleScroll() {\r\n    const windowTop = window.pageYOffset || document.documentElement.scrollTop;\r\n    let currentHeader = '';\r\n\r\n    \/\/ Highlight user progress as the heading comes\r\n    headers.forEach(header => {\r\n\t\tconst headerTop = header.offsetTop;\r\n\t\tconst headerHeight = header.clientHeight;\r\n\t\tif (window.scrollY >= (headerTop - headerHeight + 700)) {\r\n\t\t\tconst currentHeaderId = header.getAttribute('id');\r\n\t\t\tconst currentHeaderText = document.getElementById(currentHeaderId).textContent;\r\n\/\/ \t\t\tconsole.log(\"current header text:\", currentHeaderText);\r\n\t\t\ttocTitle.textContent = currentHeaderText;\r\n\t\t\tcurrentHeader = currentHeaderId;\r\n\t\t\t\r\n\t\t\tif(window.innerWidth < 767){\r\n\t\t\t\ttocTitle.textContent = 'Table of Content';\r\n\t\t\t}\r\n\t\t}\r\n\t});\r\n\r\n    navLinks.forEach(link => {\r\n      link.classList.remove('active');\r\n      if(currentHeader != '') {\r\n\t\t  if (link.getAttribute('href').includes(currentHeader)) {\r\n\t\t\t  link.classList.add('active');\r\n\t\t  }\r\n\t  }\r\n    });\r\n\/\/     if (windowTop < triggerFooterPoint) {\r\n\/\/         toc.style.display = 'block';\r\n\/\/ \t}else{\r\n\/\/         toc.style.display = 'none';\r\n\/\/ \t}\r\n    \/\/ Update TOC title if sticky\r\n    if (windowTop > triggerPoint) {\r\n      if (!toc.classList.contains('sticky')) {\r\n        phtoc.style.display = \"block\";\r\n        toc.classList.add('sticky');\r\n        toc.style.width = `${tocParent.offsetWidth}px`; \/\/ Set width to match the parent element\r\n        toc.setAttribute('style', 'width: ' + tocParent.offsetWidth + 'px !important;');\r\n        toc.style.backgroundColor = \"#FFF\";\r\n\t\tpanel2.style.height = '0px';\r\n\t\t  icon.style.transform = \"rotate(180deg)\";\r\n\t\t  if(window.innerWidth < 767){\r\n\/\/ \t\t\t  const tocs = document.querySelector('#toc.sticky');\r\n\t\t\t  tocTitle.textContent = 'Table of Content'; \/\/ Reset title\r\n       \t\t  toc.style.width = '150px'; \/\/ Set width to match the parent element\r\n\t\t  }\r\n      }\r\n      if (currentHeader) {\r\n\/\/         console.log(\"activeLink:\", activeLink);\r\n        if (activeLink) {\r\n\/\/           tocTitle.textContent = activeLink.textContent; \/\/ Update TOC title\r\n          tocTitle.textContent = activeLink ? activeLink.textContent : \"\"; \/\/ Update title only if activeLink exists\r\n        }\r\n      }\r\n    } else {\r\n      toc.classList.remove('sticky');\r\n      phtoc.style.display = \"none\";\r\n      toc.style.width = 'unset'; \/\/ Reset to original width\r\n      toc.style.backgroundColor = \"#FFF\";\r\n      tocTitle.textContent = 'Table of Content'; \/\/ Reset title\r\n\t\tpanel2.style.height = panel2.scrollHeight + \"px\";\r\n\t\ticon.style.transform = \"rotate(180deg)\";\r\n    }\r\n  }\r\n\r\n    \/\/ Attach the scroll event listener to the window\r\n    window.addEventListener('scroll', handleScroll);\r\n\r\n    \/\/ Initial call to handleScroll to set the correct state on load\r\n    handleScroll();\r\n});\r\n\t\r\n\t\/\/ Open toggle TOC\r\n\t  document.addEventListener(\"DOMContentLoaded\", function() {\r\n\t\tvar tocHeader = document.querySelector(\"#toc .header\");\r\n\t\tvar toc = document.querySelector(\"#toc\");\r\n\t\tvar icon = document.querySelector(\".toc-icon\");\r\n\t\tconst tocTitle = document.querySelector('#toc-title');\r\n\t\tconst tocs = document.querySelector('#toc.sticky');\r\n \t\tconst tocParent = toc.parentElement;\t\t  \r\n\r\n\t\t  tocHeader.addEventListener(\"click\", function() {\r\n\t\t\tvar panel = this.nextElementSibling;\r\n\t\t\tif (panel.style.height !== '0px') { \/\/ Check if height is not 0px\r\n\t\t\t  panel.style.height = '0px'; \/\/ Set height to 0 for full collapse\r\n\t\t\t  icon.style.transform = \"rotate(180deg)\";\r\n\/\/ \t\t\t\ttoc.style.paddingBottom = '6px'; \r\n\t\t\t\tif(window.innerWidth > 768){\r\n\t\t\t\t\tif(!toc.classList.contains('sticky')){\r\n\t\t\t\t\t\ttoc.style.width = \"unset\";\r\n\/\/ \t\t\t\t\t\ttoc.setAttribute('style', 'width: ' + tocParent.offsetWidth + 'px !important;');\r\n\t\t\t\t\t}\r\n\t\t\t\t\tif (toc.classList.contains('sticky')){\r\n\t\t\t\t\t\ttoc.style.width = '${tocParent.offsetWidth}px';\r\n\t\t\t\t\t\ttoc.setAttribute('style', 'width: ' + tocParent.offsetWidth + 'px !important;');\r\n\t\t\t\t\t}\r\n\t\t\t\t}\r\n\t\t\t\tif(window.innerWidth < 767){\r\n\t\t\t\t\ttoc.style.width = \"unset\"; \/\/ Reset width\r\n\t\t\t\t}\r\n\t\t\t\ttoc.style.backgroundColor = \"#FFF1F1\";\r\n\t\t\t} else {\r\n\t\t\t  panel.style.height = panel.scrollHeight + \"px\";\r\n\t\t\t  icon.style.transform = \"rotate(0deg)\";\r\n\t\t\t  toc.style.backgroundColor = \"#FFF\";\r\n\t\t\t  tocTitle.textContent = 'Table of Content'; \/\/ Reset title\r\n\t\t\t\ttoc.style.paddingBottom = '24px';\r\n\t\t\t \tif(window.innerWidth < 767){\r\n\t\t\t\t\ttoc.style.width = `${tocParent.offsetWidth}px`; \/\/ Set width to match the parent element\r\n\t\t\t\t\ttoc.setAttribute('style', 'width: ' + tocParent.offsetWidth + 'px !important;');\r\n\t\t\t\t}\r\n\t\t\t}\r\n\t\t  });\r\n\r\n\t\t  \/\/ Close TOC when a link inside it is clicked\r\n\t\t  var tocLinks = document.querySelectorAll(\"#toc .list a\");\r\n\t\t  tocLinks.forEach(function(link) {\r\n\t\t\tlink.addEventListener(\"click\", function() {\r\n\t\t\t  var panel = document.querySelector(\"#toc .list\");\r\n\t\t\t  panel.style.height = '0px'; \/\/ Set height to 0 for full collapse\r\n\t\t\t  icon.style.transform = \"rotate(180deg)\";\r\n\t\t\t  toc.style.backgroundColor = \"#FFF\";\r\n\t\t\t});\r\n\t\t  });\r\n\t\t});\r\n\r\n\r\n\r\n\t\r\n\/\/ \tmake the heading at the center of the viewport\r\n\/\/ \tdocument.addEventListener('DOMContentLoaded', function() {\r\n\/\/     \/\/ Add click event listener to all links in the TOC list\r\n\/\/     document.querySelectorAll('#toc-list a').forEach(anchor => {\r\n\/\/         anchor.addEventListener('click', function (e) {\r\n\/\/             e.preventDefault(); \/\/ Prevent the default behavior of jumping to the anchor\r\n\/\/ \/\/ \t\t\tconsole.log(\"prevent default\");\r\n\/\/             const targetId = this.getAttribute('href').substring(1); \/\/ Get the ID of the target element\r\n\/\/             const targetElement = document.getElementById(targetId); \/\/ Get the target element\r\n\r\n\/\/             if (targetElement) {\r\n\/\/                 const headerHeight = document.querySelector('#toc .header').offsetHeight; \/\/ Get the height of the fixed header\r\n\/\/                 const windowHeight = window.innerHeight; \/\/ Get the height of the viewport\r\n\/\/                 const targetOffset = targetElement.offsetTop; \/\/ Get the top offset of the target element\r\n\/\/                 const scrollTo = targetOffset + (windowHeight \/ 2) + (headerHeight); \/\/ Calculate the scroll position to center the target element\r\n\r\n\/\/                 \/\/ Scroll to the calculated position smoothly\r\n\/\/                 window.scrollTo({\r\n\/\/                     top: scrollTo,\r\n\/\/                     behavior: 'smooth'\r\n\/\/                 });\r\n\/\/             }\r\n\/\/         });\r\n\/\/     });\r\n\/\/ });\r\n<\/script>\r\n\r\n<!-- START script lama -->\r\n<!-- <script>\r\n\/\/ \tvar pilihDaftarIsi = document.getElementById('pilihDaftarIsi');\r\n\t\r\n\/\/ \tdocument.addEventListener('DOMContentLoaded', function() {\r\n\/\/ \t\tvar dropdownFixedTop = document.querySelector('.dropdown-fixed-top');\r\n\r\n\/\/ \t\tdropdownFixedTop.addEventListener('click', function() {\r\n\/\/ \t\t\tvar dropdownContent = this.querySelector('.list_toc');\r\n\/\/ \t\t\tdropdownContent.classList.toggle('show');\r\n\/\/ \t\t});\r\n\r\n\/\/ \t\twindow.addEventListener('click', function(event) {\r\n\/\/ \t\t\tvar listTocTop = document.getElementById('list_toc_top');\r\n\r\n\/\/ \t\t\tif (!dropdownFixedTop.contains(event.target)) {\r\n\/\/ \t\t\t\tlistTocTop.classList.remove('show');\r\n\/\/ \t\t\t}\r\n\/\/ \t\t});\r\n\/\/ \t});\r\n\t\r\n\/\/ \tvar daftarIsiContainer = document.getElementById('toc_group_article');\r\n\/\/ \tvar dropdownFixedTop = document.getElementById('dropdown-fixed-top');\r\n\/\/     var triggered = false; \/\/ Flag to keep track of whether the function has been triggered\r\n\r\n\/\/     window.addEventListener('scroll', function() {\r\n\/\/         if (!triggered && isCompletelyScrolledPast(daftarIsiContainer)) {\r\n\/\/             showSectionDropdownFixedTop(false);\r\n\/\/             triggered = true;\r\n\/\/         } else if (triggered && !isCompletelyScrolledPast(daftarIsiContainer)) {\r\n\/\/             showSectionDropdownFixedTop(true);\r\n\/\/             triggered = false;\r\n\/\/         }\r\n\/\/     });\r\n\r\n\/\/     function isCompletelyScrolledPast(element) {\r\n\/\/         var elementTop = element.getBoundingClientRect().top;\r\n\/\/         var elementBottom = element.getBoundingClientRect().bottom;\r\n\/\/         return elementTop < 0 && elementBottom < 0;\r\n\/\/     }\r\n\r\n\/\/     function showSectionDropdownFixedTop(show) {\r\n\/\/ \t\tif (show) {\r\n\/\/ \t\t\tdropdownFixedTop.classList.remove(\"show\");\r\n\/\/ \t\t} else {\r\n\/\/ \t\t\tdropdownFixedTop.classList.add(\"show\");\r\n\/\/ \t\t}\r\n\/\/     }\r\n<\/script> -->\r\n<!-- <script>\r\n    \/\/ Scrollspy function to highlight the active TOC item based on the scroll position\r\n  function scrollSpy(tocClass) {\r\n    const scrollPosition = window.scrollY;\r\n\r\n    \/\/ Find the active h2 and h3 headings based on their position in the corresponding TOC\r\n    let activeH2 = null;\r\n    let activeH3 = null;\r\n\r\n    const tocItems = document.querySelectorAll(`.${tocClass} li`);\r\n    tocItems.forEach(item => {\r\n      const a = item.querySelector('a');\r\n      if (!a) return;\r\n      const href = a.getAttribute('href');\r\n      const targetId = href.substring(1); \/\/ Remove the '#' from the href to get the target ID\r\n      const targetElement = document.getElementById(targetId);\r\n      if (!targetElement) return;\r\n\r\n      const targetTop = targetElement.getBoundingClientRect().top + scrollPosition;\r\n      const nextItem = item.nextElementSibling;\r\n      const nextTop = nextItem ? nextItem.getBoundingClientRect().top + scrollPosition : Infinity;\r\n\r\n      if (targetTop <= scrollPosition + 150) {\r\n        if (a.parentElement.parentElement === tocItems) {\r\n          \/\/ The h2 heading is at the root level of the TOC\r\n          activeH2 = { id: targetId, level: 'h2' };\r\n        } else {\r\n          \/\/ The h3 heading is nested under an h2 heading\r\n          const parentH2 = a.parentElement.parentElement.previousElementSibling;\r\n          if (parentH2) {\r\n            const h2Link = parentH2.querySelector('a');\r\n            if (h2Link) {\r\n              const h2Href = h2Link.getAttribute('href');\r\n              const h2Id = h2Href.substring(1);\r\n              activeH2 = { id: h2Id, level: 'h2' };\r\n            }\r\n          }\r\n          activeH3 = { id: targetId, level: 'h3' };\r\n        }\r\n      }\r\n\r\n      if (targetTop > scrollPosition + 150 && nextTop > scrollPosition + 150 && !activeH3) {\r\n        \/\/ Reset the activeH2 when there are no more active h3 headings\r\n        activeH2 = null;\r\n      }\r\n    });\r\n\r\n    \/\/ Update the active state for the TOC items\r\n    tocItems.forEach(item => {\r\n      item.classList.remove('active');\r\n      const a = item.querySelector('a');\r\n      if (a) {\r\n        const href = a.getAttribute('href');\r\n        const targetId = href.substring(1);\r\n        if ((activeH2 && activeH2.id === targetId) || (activeH3 && activeH3.id === targetId)) {\r\n          item.classList.add('active');\r\n\t\t  pilihDaftarIsi.innerHTML = a.textContent;\r\n        }\r\n      }\r\n    });\r\n  }\r\n\r\n  \/\/ Call scrollSpy for each TOC on window scroll\r\n  const tocClasses = ['list_toc', 'list_toc_float', 'list_toc_top']; \/\/ Add other TOC class names here if you have more than two instances\r\n  tocClasses.forEach(tocClass => {\r\n    window.addEventListener('scroll', () => scrollSpy(tocClass));\r\n  });\r\n<\/script> -->\r\n<!-- END script lama -->\r\n\t\r\n<script>\r\n    \/\/ Scrollspy function to highlight the active TOC item based on the scroll position\r\n  function scrollSpy(tocClass) {\r\n    const scrollPosition = window.scrollY;\r\n\r\n    \/\/ Find the active h2 and h3 headings based on their position in the corresponding TOC\r\n    let activeH2 = null;\r\n    let activeH3 = null;\r\n\r\n    const tocItems = document.querySelectorAll(`.${tocClass} li`);\r\n    tocItems.forEach(item => {\r\n      const a = item.querySelector('a');\r\n      if (!a) return;\r\n      const href = a.getAttribute('href');\r\n      const targetId = href.substring(1); \/\/ Remove the '#' from the href to get the target ID\r\n      const targetElement = document.getElementById(targetId);\r\n      if (!targetElement) return;\r\n\r\n      const targetTop = targetElement.getBoundingClientRect().top + scrollPosition;\r\n      const nextItem = item.nextElementSibling;\r\n      const nextTop = nextItem ? nextItem.getBoundingClientRect().top + scrollPosition : Infinity;\r\n\r\n      if (targetTop <= scrollPosition + 150) {\r\n        if (a.parentElement.parentElement === tocItems) {\r\n          \/\/ The h2 heading is at the root level of the TOC\r\n          activeH2 = { id: targetId, level: 'h2' };\r\n        } else {\r\n          \/\/ The h3 heading is nested under an h2 heading\r\n          const parentH2 = a.parentElement.parentElement.previousElementSibling;\r\n          if (parentH2) {\r\n            const h2Link = parentH2.querySelector('a');\r\n            if (h2Link) {\r\n              const h2Href = h2Link.getAttribute('href');\r\n              const h2Id = h2Href.substring(1);\r\n              activeH2 = { id: h2Id, level: 'h2' };\r\n            }\r\n          }\r\n          activeH3 = { id: targetId, level: 'h3' };\r\n        }\r\n      }\r\n\r\n      if (targetTop > scrollPosition + 150 && nextTop > scrollPosition + 150 && !activeH3) {\r\n        \/\/ Reset the activeH2 when there are no more active h3 headings\r\n        activeH2 = null;\r\n      }\r\n    });\r\n\r\n    \/\/ Update the active state for the TOC items\r\n    tocItems.forEach(item => {\r\n      item.classList.remove('active');\r\n      const a = item.querySelector('a');\r\n      if (a) {\r\n        const href = a.getAttribute('href');\r\n        const targetId = href.substring(1);\r\n        if ((activeH2 && activeH2.id === targetId) || (activeH3 && activeH3.id === targetId)) {\r\n          item.classList.add('active');\r\n        }\r\n      }\r\n    });\r\n  }\r\n\r\n  \/\/ Call scrollSpy for each TOC on window scroll\r\n  const tocClasses = ['list_toc', 'list_toc_float']; \/\/ Add other TOC class names here if you have more than two instances\r\n  tocClasses.forEach(tocClass => {\r\n    window.addEventListener('scroll', () => scrollSpy(tocClass));\r\n  });\r\n<\/script>\r\n\t\r\n\r\n<!-- ToC List for desktop side bar, diganti jadi inject by php, di code snippet \"Sidebar Accordion\" -->\r\n<!--  <script>\r\n\tdocument.addEventListener(\"DOMContentLoaded\", function() {\r\nToC List for desktop side bar, diganti jadi inject by php, di code snippet \"Sidebar Accordion\"\r\n        Fungsi untuk mengubah teks menjadi format id\r\n        function formatId(text) {\r\n            return text.trim().replace(\/[^\\w\\d]+\/g, '_');\r\n        }\r\n\r\n        \/\/ Fungsi untuk membuat nested list\r\n        function createNestedList(parentNode, children) {\r\n            if (children.length === 0) return;\r\n\r\n            const nestedUl = document.createElement('ul');\r\n            children.forEach(child => {\r\n                const nestedLi = document.createElement('li');\r\n                const nestedA = document.createElement('a');\r\n                nestedA.textContent = child.title;\r\n                nestedA.href = `#${child.id}`;\r\n                nestedLi.appendChild(nestedA);\r\n                nestedUl.appendChild(nestedLi);\r\n\r\n                if (child.children.length > 0) {\r\n                    createNestedList(nestedLi, child.children);\r\n                }\r\n            });\r\n\r\n            parentNode.appendChild(nestedUl);\r\n        }\r\n\r\n        \/\/ Membuat objek untuk menyimpan daftar h2 dan h3 beserta judulnya\r\n        const headings = [];\r\n\r\n           \/\/ Mengambil semua elemen h2 dan h3\r\n        const elements = document.querySelectorAll('.td-post-content h2');\r\n\t\t\t\/\/, .td-post-content h3\r\n\r\n        elements.forEach(element => {\r\n            if (element.tagName === 'H2') {\r\n                const id = formatId(element.textContent);\r\n                element.id = id;\r\n\t\t\t\tif (element.textContent.toLowerCase() === \"key takeaways\") {return;} \/\/ Kalau Key Takeaways, jangan dimasukin\r\n                headings.push({ level: 'h2', id: id, title: element.textContent, children: [] });\r\n            } else if (element.tagName === 'H3') {\r\n                const id = formatId(element.textContent);\r\n                element.id = id;\r\n                if (headings.length > 0) {\r\n                    headings[headings.length - 1].children.push({ level: 'h3', id: id, title: element.textContent, children: [] });\r\n                }\r\n            }\r\n        });\r\n\r\n        \/\/ Membuat list HTML dari objek headings\r\n        const ul = document.getElementById('list_toc');\r\n        let currentUl = ul;\r\n        headings.forEach(heading => {\r\n            const li = document.createElement('li');\r\n            const a = document.createElement('a');\r\n            a.textContent = heading.title;\r\n            a.href = `#${heading.id}`;\r\n            li.appendChild(a);\r\n\r\n            if (heading.level === 'h2') {\r\n                \/\/ Menyimpan ul saat ini untuk menambahkan nested ul\r\n                currentUl = li;\r\n                ul.appendChild(li);\r\n            } else if (heading.level === 'h3') {\r\n                if (!currentUl.lastElementChild || currentUl.lastElementChild.tagName !== 'UL') {\r\n                    \/\/ Jika belum ada nested ul, buat satu\r\n                    const nestedUl = document.createElement('ul');\r\n                    currentUl.appendChild(nestedUl);\r\n                    currentUl = nestedUl;\r\n                }\r\n                currentUl.appendChild(li);\r\n            }\r\n\r\n            createNestedList(li, heading.children);\r\n        });\r\n\t\tDapatkan elemen ul dengan id 'list_toc_float'\r\nconst ulFloat = document.getElementById('list_toc');\r\nconst ulJourney = document.getElementById('list_journey');\r\n\r\nDapatkan isi (child elements) dari ul dengan id 'list_toc_float'\r\n\tif (ulFloat !== null) {\r\n\t\tconst clonedChildren = ulFloat.cloneNode(true).children;\r\n\t\tconst ulToc = document.getElementById('list_toc_float');\r\n\t\tconst ulTocTop = document.getElementById('list_toc_top');\r\n\t\tif ((ulToc !== null || ulToc !== undefined) && window.innerWidth > 1018){\r\n\t\t\tulToc.append(...clonedChildren);\r\n\t\t} else {\r\n\t\t\tulTocTop.append(...clonedChildren);\r\n\t\t}\r\n\t} \r\n\r\n\tif (ulJourney !== null) {\r\n\t\tconst clonedChildrenJourney = ulJourney.cloneNode(true).children;\r\n\t\tconst ulTocJourney = document.getElementById('list_toc_journey');\r\n\t\tulTocJourney.append(...clonedChildrenJourney);\r\n\t} \r\n\t\r\n        Fungsi untuk mengambil tinggi navbar\r\n        function getNavbarHeight() {\r\n            const navbar = document.getElementById('tdi_34');\r\n            return navbar ? navbar.offsetHeight : 0;\r\n        }\r\n\r\n        \/\/ Fungsi untuk menambahkan offset posisi scroll\r\n        function scrollToElementWithOffset(elementId) {\r\n            const element = document.getElementById(elementId);\r\n            if (element) {\r\n                const offset = getNavbarHeight();\r\n                const elementPosition = element.getBoundingClientRect().top;\r\n                const offsetPosition = elementPosition - offset-40;\r\n\r\n                window.scrollBy({\r\n                    top: offsetPosition,\r\n                    behavior: 'smooth'\r\n                });\r\n            }\r\n        }\r\n\r\n        \/\/ Fungsi untuk menangani klik pada tautan judul\r\n        function handleTitleClick(event) {\r\n            event.preventDefault();\r\n            const href = event.target.getAttribute('href').substr(1);\r\n            scrollToElementWithOffset(href);\r\n        }\r\n\r\n        \/\/ Tambahkan event listener untuk semua tautan judul\r\n        const titleLinks = document.querySelectorAll('a[href^=\"#\"]');\r\n        titleLinks.forEach(link => {\r\n            link.addEventListener('click', handleTitleClick);\r\n        });\r\n\t});\r\n    <\/script> -->\r\n\n<p data-start=\"0\" data-end=\"230\">Retail and business payments have changed significantly over time. Businesses once relied on manual card imprinters that were slow and prone to errors. Today, most payments are processed through faster digital systems like EFTPOS.<\/p>\n<p data-start=\"232\" data-end=\"438\">EFTPOS stands for Electronic Funds Transfer at Point of Sale. It connects payment terminals to banking networks so transactions can be processed instantly when customers tap, insert, or use digital wallets.<\/p>\n<p data-start=\"440\" data-end=\"703\">Many people confuse EFTPOS with a <a href=\"https:\/\/www.hashmicro.com\/au\/blog\/what-is-pos-system\/\"><strong data-start=\"865\" data-end=\"889\">point of sale system<\/strong><\/a>, even though they serve different purposes. EFTPOS handles the payment transaction, while the POS manages sales, inventory, and reporting.<\/p>\n<style>\r\n\t.takeaways-container {\r\n\t\tmargin: 20px 0;\r\n\t\tfont-family: sans-serif;\r\n\t}\r\n\t.box-content {\r\n\t\tbackground-color: #fffacd;\r\n\t\tbox-shadow: 0 4px 8px rgba(0, 0, 0, 0.1);\r\n\t\tborder-radius: 25px;\r\n\t\tpadding: 25px;\r\n\t}\r\n\t.title {\r\n\t\tmargin-bottom: 20px;\r\n\t}\r\n\t.title p {\r\n\t\tdisplay: inline-block;\r\n\t\tbackground-color: #8A0E19;\r\n\t\tcolor: #ffffff;\r\n\t\tpadding: 8px 15px;\r\n\t\tborder-radius: 8px;\r\n\t\tfont-size: 22px;\r\n\t\tfont-weight: bold;\r\n\t\tmargin: 0;\r\n\t}\r\n\t.item {\r\n\t\tdisplay: flex;\r\n\t\talign-items: flex-start;\r\n\t\tmargin-bottom: 12px;\r\n\t}\r\n\t.item .circle {\r\n\t\twidth: 8px;\r\n\t\theight: 8px;\r\n\t\tbackground-color: #000000;\r\n\t\tborder-radius: 50%;\r\n\t\tmargin-right: 12px;\r\n\t\tflex-shrink: 0;\r\n\t\tmargin-top: 8px;\r\n\t}\r\n\t.item p {\r\n\t\tmargin: 0;\r\n\t\tfont-size: 16px;\r\n\t\tline-height: 1.6;\r\n\t}\r\n\t.item p a {\r\n\t\tcolor: #8A0E19;\r\n\t\tfont-weight: normal;\r\n\t\ttext-decoration: none;\r\n\t}\r\n\t.item p a:hover {\r\n\t\ttext-decoration: underline;\r\n\t}\r\n\t.button-wrapper {\r\n\t\tmargin-top: 25px;\r\n\t}\r\n\t.submit-button {\r\n\t\tbackground-color: #8a0e19;\r\n\t\tcolor: #fff !important;\r\n\t\ttransition: all .3s ease;\r\n\t\tpadding: 12px 28px;\r\n\t\tdisplay: inline-block;\r\n\t\tborder-radius: 12px;\r\n\t\tfont-size: 16px;\r\n\t\tfont-weight: bold;\r\n\t\ttext-decoration: none;\r\n\t}\r\n\t.submit-button:hover {\r\n\t\tbackground-color: #991b26;\r\n\t}\r\n\t@media (max-width: 767px) {\r\n\t\t.takeaways-container {\r\n\t\t\theight: auto;\r\n\t\t\tpadding: 0;\r\n\t\t}\r\n\t\t.box-content {\r\n\t\t\tpadding: 24px;\r\n\t\t}\r\n\t\t.content,\r\n\t\t.main-content,\r\n\t\t.list-item {\r\n\t\t\twidth: 100%;\r\n\t\t}\r\n\t}\r\n<\/style>\r\n\r\n<div class=\"takeaways-container\">\r\n\t<div class=\"box-content\">\r\n\t\t<div class=\"content\">\r\n\t\t\t<div class=\"title\">\r\n\t\t\t\t<p>Key Takeaways<\/p>\r\n\t\t\t<\/div>\r\n\t\t\t<div class=\"main-content\">\r\n\t\t\t\t<div class=\"list-item\">\r\n\t\t\t\t\t<div class=\"item\">    <div class=\"circle\"><\/div>    <p><a href=\"#what-is-eftpos-in-a-pos-environment\">EFTPOS securely transfers funds<\/a> from a customer to a merchant while the POS manages sales, inventory, and reporting.<\/p><\/div><div class=\"item\">    <div class=\"circle\"><\/div>    <p><a href=\"#how-eftpos-transactions-actually-work\">Transactions happen within seconds<\/a> through encrypted communication between the terminal, processor, and bank for instant authorization.<\/p><\/div><div class=\"item\">    <div class=\"circle\"><\/div>    <p><a href=\"#advanced-eftpos-practices-for-modern-businesses\">Android terminals, SoftPOS, and tokenization turn EFTPOS <\/a>into tools for engagement and analytics.<\/p><\/div><div class=\"item\">    <div class=\"circle\"><\/div>    <p><a href=\"#common-pitfalls-and-how-to-avoid-them\">Integrated systems, network backups<\/a>, transparent fees, and physical security reduce errors and protect both revenue and customer trust.<\/p><\/div>\t\t\t\t<\/div>\r\n\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t<\/div>\r\n<\/div>\n<p><span data-sheets-root=\"1\"><a href=\"https:\/\/www.hashmicro.com\/au\/pos-system?medium=moneysite-banner\" target=\"_blank\"><img decoding=\"async\" loading=\"lazy\" width=\"712\" src=\"https:\/\/www.hashmicro.com\/blog\/wp-content\/uploads\/2025\/06\/POS-General.webp\" alt=\"POS\"><\/a><\/span><\/p>\n<h2 id=\"what-is-eftpos-in-a-pos-environment\"><strong>What Is EFTPOS in a POS Environment?<\/strong><\/h2>\n<p data-start=\"710\" data-end=\"966\">EFTPOS stands for Electronic Funds Transfer at Point of Sale. Simply put, it moves money from a customer\u2019s bank account to a business account during a card payment. When someone taps, inserts, or swipes a card, the EFTPOS network processes the transaction.<\/p>\n<p data-start=\"968\" data-end=\"1178\">In most businesses, EFTPOS appears as the payment terminal or card reader. Many people also call it a card machine or pin pad. The device reads payment details and sends the request through the banking network.<\/p>\n<p data-start=\"1180\" data-end=\"1376\">Behind the terminal, several systems work together to approve the payment. Banks, payment gateways, and providers like Visa, Mastercard, and American Express verify the transaction within seconds.<\/p>\n<p data-start=\"1378\" data-end=\"1569\">Within a POS setup, EFTPOS works alongside the POS rather than replacing it. The POS records the sale, while the EFTPOS terminal processes the payment securely and helps reduce manual errors.<\/p>\n<h2 id=\"how-eftpos-transactions-actually-work\"><strong>How EFTPOS Transactions Actually Work<\/strong><\/h2>\n<p><span data-sheets-root=\"1\"><style>\r\n    #custom-quote {\r\n        background-color: #f0f0f0;\r\n        padding: 20px;\r\n        border-radius: 12px;\r\n        margin: 20px;\r\n        display: flex;\r\n        flex-direction: column;\r\n    }\r\n\r\n    #custom-quote .quote-body {\r\n        display: flex;\r\n        flex-direction: row;\r\n        align-items: flex-start;\r\n        gap: 15px;\r\n        font-size: 16px;\r\n        line-height: 1.5;\r\n        font-style: italic;\r\n    }\r\n\r\n    #custom-quote .quote-icon {\r\n        width: 40px;\r\n        height: 40px;\r\n        flex-shrink: 0;\r\n    }\r\n\r\n    #custom-quote .quote-author-wrapper {\r\n        margin-top: 15px;\r\n        align-self: flex-start;\r\n        margin-left: 55px; \r\n\t\tmargin-bottom: 0px;\r\n    }\r\n\r\n    #custom-quote em {\r\n        font-family: 'Roboto Serif', serif !important;\r\n        font-size: 12px;\r\n        font-weight: bold;\r\n        font-style: normal;\r\n    }\r\n\r\n    @media screen and (max-width: 768px) {\r\n        #custom-quote {\r\n            margin: 15px 0;\r\n            padding: 15px;\r\n        }\r\n        \r\n        #custom-quote .quote-body {\r\n            gap: 12px;\r\n        }\r\n\r\n        #custom-quote .quote-author-wrapper {\r\n            margin-left: 52px;\r\n        }\r\n    }\r\n\r\n    @media screen and (max-width: 480px) {\r\n        #custom-quote {\r\n            margin: 10px 0;\r\n            padding: 12px;\r\n        }\r\n\r\n        #custom-quote .quote-body {\r\n            font-size: 14px;\r\n            gap: 10px;\r\n        }\r\n\r\n        #custom-quote .quote-icon {\r\n            width: 32px;\r\n            height: 32px;\r\n        }\r\n\r\n        #custom-quote .quote-author-wrapper {\r\n            margin-top: 10px;\r\n            margin-left: 42px;\r\n        }\r\n    }\r\n<\/style>\r\n\r\n<div id=\"custom-quote\">\r\n    <div class=\"quote-body\">\r\n        <img decoding=\"async\" src=\"https:\/\/www.hashmicro.com\/blog\/wp-content\/uploads\/2025\/12\/quote.webp\" alt=\"Quote Icon\" class=\"quote-icon\">\r\n        <div>\r\n            EFTPOS has become more than just a payment tool. It is a strategic asset that improves customer experience, reduces errors, and provides actionable insights for smarter business decisions.        <\/div>\r\n    <\/div>\r\n    <p class=\"quote-author-wrapper\">\r\n        <em>Chris O\u2019Donnell, Lead Project Manager<\/em>\r\n    <\/p>\r\n<\/div><\/span><\/p>\n<p>An EFTPOS transaction only takes a few seconds, but multiple systems work together in the background. Payment terminals, banks, and card networks communicate almost instantly to approve and confirm the transaction.<\/p>\n<h3><strong>Connecting POS to Banking Networks<\/strong><\/h3>\n<p data-start=\"1832\" data-end=\"1991\">The process starts when the POS sends the final payment amount to the EFTPOS terminal. The customer then taps, inserts, or swipes their card or digital wallet.<\/p>\n<p data-start=\"1993\" data-end=\"2164\">The terminal immediately encrypts the payment data before sending it through the payment network. This helps protect sensitive customer information during the transaction.<\/p>\n<p data-start=\"2166\" data-end=\"2343\">The request is then routed to the payment processor or acquiring bank. From there, the system identifies the card provider, such as Visa or Mastercard, and forwards the request.<\/p>\n<h3><strong>Authorization and Fund Verification<\/strong><\/h3>\n<p data-start=\"2386\" data-end=\"2524\">Once the request reaches the issuing bank, the bank checks whether the card is valid and whether sufficient funds or credit are available.<\/p>\n<p data-start=\"2526\" data-end=\"2681\">The system also performs fraud and security checks. If anything appears unusual, the payment may be declined or require additional verification like a PIN.<\/p>\n<p data-start=\"931\" data-end=\"1049\"><strong style=\"color: #111111; font-family: Roboto, sans-serif; font-size: 22px;\">Instant Transfer and Confirmation<\/strong><\/p>\n<p data-start=\"2722\" data-end=\"2848\">If approved, the issuing bank sends back an authorization code and temporarily reserves the funds from the customer\u2019s account.<\/p>\n<p data-start=\"2850\" data-end=\"2981\">The confirmation is then returned to the EFTPOS terminal, where both the customer and cashier can see the approved payment message.<\/p>\n<p data-start=\"2983\" data-end=\"3180\" data-is-last-node=\"\" data-is-only-node=\"\">At this point, the payment is authorised but not yet fully settled. The actual transfer of funds usually happens later during end-of-day settlement processing.<\/p>\n<h2><strong><span style=\"color: #111111; font-family: Roboto, sans-serif; font-size: 27px;\">EFTPOS vs POS: Understanding the Difference<\/span><\/strong><\/h2>\n<p data-start=\"48\" data-end=\"307\">People often use EFTPOS and POS as if they mean the same thing. In reality, they are separate systems that work together during checkout. Understanding the difference helps businesses choose the right payment setup and avoid operational issues later.<\/p>\n<h3><strong>Payment Processing vs Full POS System<\/strong><\/h3>\n<p data-start=\"343\" data-end=\"492\">A POS system manages the overall sales process. It records transactions, tracks inventory, applies discounts, and generates reports for the business.<\/p>\n<p data-start=\"494\" data-end=\"664\">EFTPOS only handles the payment transaction itself. The terminal receives the amount from the POS and processes the card payment through networks like Visa or Mastercard.<\/p>\n<h3><strong>Where EFTPOS Fits in Retail Operations<\/strong><\/h3>\n<p data-start=\"710\" data-end=\"845\">In most stores, the POS system sits in front of the cashier and usually includes the screen, scanner, receipt printer, and cash drawer.<\/p>\n<p data-start=\"847\" data-end=\"993\">The EFTPOS terminal sits closer to the customer so they can tap or enter their PIN directly. The terminal activates when the payment stage begins.<\/p>\n<p><strong><span style=\"color: #111111; font-family: Roboto, sans-serif; font-size: 22px;\">Integration With POS Software<\/span><\/strong><\/p>\n<p data-start=\"230\" data-end=\"483\">Older setups often relied on separate <a href=\"https:\/\/www.hashmicro.com\/au\/blog\/pos-software\/\"><strong data-start=\"1461\" data-end=\"1482\">checkout software<\/strong><\/a>, requiring staff to enter totals manually into the terminal. This slowed transactions and increased the risk of data entry errors.<\/p>\n<p data-start=\"485\" data-end=\"697\" data-is-last-node=\"\" data-is-only-node=\"\">Modern POS and EFTPOS systems now work together automatically. The POS sends the payment amount directly to the terminal, helping businesses process transactions faster and maintain more accurate payment records.<\/p>\n<h2 id=\"types-of-eftpos-payments-in-practice\"><strong>Types of EFTPOS Payments in Practice<\/strong><\/h2>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-2004\" src=\"https:\/\/www.hashmicro.com\/au\/blog\/wp-content\/uploads\/2026\/03\/EFTPOS2-1.webp\" alt=\"\" width=\"800\" height=\"400\" srcset=\"https:\/\/www.hashmicro.com\/au\/blog\/wp-content\/uploads\/2026\/03\/EFTPOS2-1.webp 800w, https:\/\/www.hashmicro.com\/au\/blog\/wp-content\/uploads\/2026\/03\/EFTPOS2-1-300x150.webp 300w, https:\/\/www.hashmicro.com\/au\/blog\/wp-content\/uploads\/2026\/03\/EFTPOS2-1-768x384.webp 768w, https:\/\/www.hashmicro.com\/au\/blog\/wp-content\/uploads\/2026\/03\/EFTPOS2-1-150x75.webp 150w, https:\/\/www.hashmicro.com\/au\/blog\/wp-content\/uploads\/2026\/03\/EFTPOS2-1-696x348.webp 696w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/p>\n<p data-start=\"41\" data-end=\"271\">EFTPOS systems now support several payment methods. As payment habits evolve, terminals continue adapting to support both physical cards and digital payment options.<\/p>\n<h3><strong>1. Debit and Credit Card Payments<\/strong><\/h3>\n<p data-start=\"1577\" data-end=\"1719\">Debit and credit cards remain the most common EFTPOS payment method. Customers can insert, swipe, or tap their cards to complete transactions.<\/p>\n<p data-start=\"1721\" data-end=\"1845\">Most modern cards use EMV chip technology, which generates a unique code for each transaction and improves payment security.<\/p>\n<h3><strong>2. Contactless Card Payments<\/strong><\/h3>\n<p data-start=\"1881\" data-end=\"2128\"><a href=\"https:\/\/www.hashmicro.com\/au\/blog\/contactless-payment\/\"><strong data-start=\"2033\" data-end=\"2054\">touchless payment<\/strong><\/a> allows customers to complete purchases without inserting or swiping their cards. The system uses Near Field Communication (NFC) to transfer payment data securely.<\/p>\n<p data-start=\"2130\" data-end=\"2266\">Many Australian customers prefer contactless payments because they are faster and more convenient, especially for lower-value purchases.<\/p>\n<div class=\"flex flex-col text-sm\">\n<section class=\"text-token-text-primary w-full focus:outline-none [--shadow-height:45px] has-data-writing-block:pointer-events-none has-data-writing-block:-mt-(--shadow-height) has-data-writing-block:pt-(--shadow-height) [&amp;:has([data-writing-block])&gt;*]:pointer-events-auto scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" data-turn-id=\"request-WEB:a5f95a72-8ed6-497a-bac9-e67540e823f6-7\" data-testid=\"conversation-turn-16\" data-scroll-anchor=\"true\" data-turn=\"assistant\">\n<div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:var(--thread-content-margin-xs,calc(var(--spacing)*4))] @w-sm\/main:[--thread-content-margin:var(--thread-content-margin-sm,calc(var(--spacing)*6))] @w-lg\/main:[--thread-content-margin:var(--thread-content-margin-lg,calc(var(--spacing)*16))] px-(--thread-content-margin)\">\n<div class=\"[--thread-content-max-width:40rem] @w-lg\/main:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\">\n<div class=\"flex max-w-full flex-col gap-4 grow\">\n<div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal outline-none keyboard-focused:focus-ring [.text-message+&amp;]:mt-1\" dir=\"auto\" tabindex=\"0\" data-message-author-role=\"assistant\" data-message-id=\"9d057af4-96ed-447b-a769-98e8348d4fbf\" data-message-model-slug=\"gpt-5-3\" data-turn-start-message=\"true\">\n<div class=\"flex w-full flex-col gap-1 empty:hidden\">\n<div class=\"markdown prose dark:prose-invert w-full wrap-break-word light markdown-new-styling\">\n<h3 data-section-id=\"1bclgfc\" data-start=\"952\" data-end=\"978\"><strong>3. Mobile Wallet Payments<\/strong><\/h3>\n<p data-start=\"2299\" data-end=\"2476\">Mobile wallets allow customers to pay using smartphones or smartwatches instead of physical cards. Payment details are securely stored and transmitted digitally to the terminal.<\/p>\n<p data-start=\"2478\" data-end=\"2622\">Popular options include Apple Pay, Google Pay, and Samsung Pay, which are now widely used across retail and hospitality businesses in Australia.<\/p>\n<h3 data-section-id=\"189bmda\" data-start=\"1384\" data-end=\"1408\"><strong>4. Tap-to-Pay on Phones<\/strong><\/h3>\n<p data-start=\"2653\" data-end=\"2807\">Some businesses can now accept payments directly through smartphones without separate EFTPOS hardware. The phone itself functions as the payment terminal.<\/p>\n<p data-start=\"2809\" data-end=\"2951\">This setup is popular among mobile businesses, pop-up stores, and delivery services because it allows payments to be accepted almost anywhere.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<\/div>\n<h2 id=\"industry-specific-eftpos-use-cases\"><strong>Industry-Specific EFTPOS Use Cases<\/strong><\/h2>\n<p data-start=\"39\" data-end=\"288\">EFTPOS works across many industries, although each business type uses it differently. Payment speed, mobility, and system integration usually depend on how the business serves its customers.<\/p>\n<h3 id=\"retail-and-high-volume-supermarkets\"><strong>Retail and High-Volume Supermarkets<\/strong><\/h3>\n<p data-start=\"3191\" data-end=\"3374\">Large retailers and supermarkets prioritise fast and reliable checkouts. Their EFTPOS terminals are usually integrated directly with the POS so payment amounts transfer automatically.<\/p>\n<p data-start=\"3376\" data-end=\"3540\">Many stores also use customer-facing terminals that support contactless payments. During busy periods, some retailers deploy mobile terminals to reduce queue times.<\/p>\n<h3 id=\"hospitality-restaurants-and-cafes\"><strong>Hospitality, Restaurants, and Cafes<\/strong><\/h3>\n<p data-start=\"3583\" data-end=\"3821\">Restaurants and cafes often use a <a href=\"https:\/\/www.hashmicro.com\/au\/blog\/mpos\/\"><strong data-start=\"2630\" data-end=\"2646\">portable POS<\/strong><\/a> setup that allows staff to process payments directly at the table. This improves service flow during busy operating hours.<\/p>\n<p data-start=\"3823\" data-end=\"3955\">These terminals commonly support bill splitting and tipping features, making them suitable for fast-moving hospitality environments.<\/p>\n<h3 id=\"healthcare-and-medical-facilities\"><strong>Healthcare and Medical Facilities<\/strong><\/h3>\n<p data-start=\"3996\" data-end=\"4154\">Medical clinics and dental practices also rely on EFTPOS for patient payments. In many cases, the terminal connects directly with the clinic\u2019s billing system.<\/p>\n<p data-start=\"4156\" data-end=\"4302\">Some healthcare terminals can process health fund claims instantly, allowing patients to pay only the remaining balance after rebates are applied.<\/p>\n<h3 id=\"field-services-trades-and-mobile-businesses\"><strong>Field Services, Trades, and Mobile Businesses<\/strong><\/h3>\n<p data-start=\"4355\" data-end=\"4485\">Tradespeople and mobile businesses often use portable EFTPOS devices to accept payments on-site instead of sending invoices later.<\/p>\n<p data-start=\"4487\" data-end=\"4627\" data-is-last-node=\"\" data-is-only-node=\"\">These terminals typically connect through Wi-Fi or mobile networks, allowing businesses to process secure payments from almost any location.<\/p>\n<h2 id=\"strategic-implementation-steps-for-eftpos-systems\"><strong>Strategic Implementation Steps for EFTPOS Systems<\/strong><\/h2>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-1993\" src=\"https:\/\/www.hashmicro.com\/au\/blog\/wp-content\/uploads\/2026\/03\/Strategic-steps-for-EFTPOS-setup-1.webp\" alt=\"\" width=\"1536\" height=\"1024\" srcset=\"https:\/\/www.hashmicro.com\/au\/blog\/wp-content\/uploads\/2026\/03\/Strategic-steps-for-EFTPOS-setup-1.webp 1536w, https:\/\/www.hashmicro.com\/au\/blog\/wp-content\/uploads\/2026\/03\/Strategic-steps-for-EFTPOS-setup-1-300x200.webp 300w, https:\/\/www.hashmicro.com\/au\/blog\/wp-content\/uploads\/2026\/03\/Strategic-steps-for-EFTPOS-setup-1-1024x683.webp 1024w, https:\/\/www.hashmicro.com\/au\/blog\/wp-content\/uploads\/2026\/03\/Strategic-steps-for-EFTPOS-setup-1-768x512.webp 768w, https:\/\/www.hashmicro.com\/au\/blog\/wp-content\/uploads\/2026\/03\/Strategic-steps-for-EFTPOS-setup-1-630x420.webp 630w, https:\/\/www.hashmicro.com\/au\/blog\/wp-content\/uploads\/2026\/03\/Strategic-steps-for-EFTPOS-setup-1-150x100.webp 150w, https:\/\/www.hashmicro.com\/au\/blog\/wp-content\/uploads\/2026\/03\/Strategic-steps-for-EFTPOS-setup-1-696x464.webp 696w, https:\/\/www.hashmicro.com\/au\/blog\/wp-content\/uploads\/2026\/03\/Strategic-steps-for-EFTPOS-setup-1-1068x712.webp 1068w\" sizes=\"(max-width: 1536px) 100vw, 1536px\" \/><\/p>\n<p data-start=\"54\" data-end=\"296\">Setting up a new EFTPOS system requires proper planning. Businesses need to consider transaction volume, hardware requirements, and payment providers before implementation. A structured setup helps reduce technical issues and keeps payments running smoothly.<\/p>\n<h3 id=\"step-1-conducting-a-transaction-needs-analysis\"><strong>Step 1: Conducting a Transaction Needs Analysis<\/strong><\/h3>\n<p data-start=\"313\" data-end=\"485\">The first step is understanding how the business processes payments each day. Managers should review transaction volume, average purchase value, and common payment methods.<\/p>\n<p data-start=\"487\" data-end=\"603\">This helps determine whether the business needs countertop terminals, portable devices, or mobile payment solutions.<\/p>\n<h3 id=\"step-2-selecting-the-optimal-merchant-acquirer\"><strong>Step 2: Selecting the Optimal Merchant Acquirer<\/strong><\/h3>\n<p data-start=\"658\" data-end=\"812\">Next, the business selects a payment provider or acquiring bank. This provider processes card payments and transfers funds into the business bank account.<\/p>\n<p data-start=\"814\" data-end=\"936\">Before choosing a provider, businesses should compare transaction fees, settlement times, and overall service reliability.<\/p>\n<h3 id=\"step-3-determining-hardware-and-connectivity\"><strong>Step 3: Determining Hardware and Connectivity Requirements<\/strong><\/h3>\n<p data-start=\"1002\" data-end=\"1179\">The next step is choosing the right EFTPOS hardware. Countertop terminals suit fixed checkout counters, while portable devices work better for restaurants and mobile businesses.<\/p>\n<p data-start=\"1181\" data-end=\"1283\">A stable internet connection is equally important to ensure transactions process quickly and reliably.<\/p>\n<h3 id=\"step-4-system-integration-and-security-configuration\"><strong>Step 4: System Integration and Security Configuration<\/strong><\/h3>\n<p data-start=\"1351\" data-end=\"1647\">After choosing the hardware, the EFTPOS terminal must connect with the POS system. Integrated setups allow payment amounts to transfer directly to the terminal, helping reduce manual input mistakes and improve checkout accuracy.<\/p>\n<h3 id=\"step-5-comprehensive-staff-training-and-deployment\"><strong>Step 5: Comprehensive Staff Training and Deployment<\/strong><\/h3>\n<div class=\"flex flex-col text-sm\">\n<section class=\"text-token-text-primary w-full focus:outline-none [--shadow-height:45px] has-data-writing-block:pointer-events-none has-data-writing-block:-mt-(--shadow-height) has-data-writing-block:pt-(--shadow-height) [&amp;:has([data-writing-block])&gt;*]:pointer-events-auto scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" data-turn-id=\"request-WEB:a5f95a72-8ed6-497a-bac9-e67540e823f6-9\" data-testid=\"conversation-turn-20\" data-scroll-anchor=\"true\" data-turn=\"assistant\">\n<div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:var(--thread-content-margin-xs,calc(var(--spacing)*4))] @w-sm\/main:[--thread-content-margin:var(--thread-content-margin-sm,calc(var(--spacing)*6))] @w-lg\/main:[--thread-content-margin:var(--thread-content-margin-lg,calc(var(--spacing)*16))] px-(--thread-content-margin)\">\n<div class=\"[--thread-content-max-width:40rem] @w-lg\/main:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\">\n<div class=\"flex max-w-full flex-col gap-4 grow\">\n<div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal outline-none keyboard-focused:focus-ring [.text-message+&amp;]:mt-1\" dir=\"auto\" tabindex=\"0\" data-message-author-role=\"assistant\" data-message-id=\"1c609c79-a543-424e-b447-9caccbb7c561\" data-message-model-slug=\"gpt-5-3\" data-turn-start-message=\"true\">\n<div class=\"flex w-full flex-col gap-1 empty:hidden\">\n<div class=\"markdown prose dark:prose-invert w-full wrap-break-word light markdown-new-styling\">\n<p data-start=\"1967\" data-end=\"2136\">Staff training is one of the most important parts of deployment. Employees should know how to process payments, issue refunds, and handle declined transactions properly.<\/p>\n<p data-start=\"2138\" data-end=\"2222\">Good training helps businesses avoid operational issues during busy trading periods.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<\/div>\n<h2 id=\"common-pitfalls-and-how-to-avoid-them\"><strong>Common Pitfalls and How to Avoid Them<\/strong><\/h2>\n<p data-start=\"42\" data-end=\"303\">Even with modern EFTPOS technology, businesses can still face operational issues. Many problems come from poor integration, unreliable connectivity, or misunderstanding how payment systems work together.<\/p>\n<ul>\n<li id=\"the-double-entry-dilemma-with-standalone-terminals\"><strong>The Double-Entry Dilemma with Standalone Terminals<\/strong><\/li>\n<\/ul>\n<p data-start=\"2490\" data-end=\"2667\">Standalone EFTPOS terminals that are not connected to the POS often create double-entry problems. Staff must enter payment totals manually, which increases the risk of mistakes.<\/p>\n<p data-start=\"2669\" data-end=\"2803\">A fully integrated setup solves this issue by allowing the POS to send the exact amount directly to the EFTPOS terminal automatically.<\/p>\n<ul>\n<li id=\"vulnerability-to-network-outages\"><strong>Vulnerability to Network Outages<\/strong><\/li>\n<\/ul>\n<p data-start=\"2843\" data-end=\"2992\">EFTPOS systems rely heavily on stable internet connections. Businesses using a single broadband line may struggle to process payments during outages.<\/p>\n<p data-start=\"2994\" data-end=\"3121\">Many companies now use terminals with built-in 4G or 5G backup connections to keep payments running during network disruptions.<\/p>\n<ul>\n<li id=\"misunderstanding-pricing-structures-and-hidden-fees\"><strong>Misunderstanding Pricing Structures and Hidden Fees<\/strong><\/li>\n<\/ul>\n<p data-start=\"3180\" data-end=\"3349\">Payment processing fees can sometimes be confusing. Low advertised rates may only apply to standard cards, while premium or international cards incur additional charges.<\/p>\n<p data-start=\"3351\" data-end=\"3476\">Businesses should review pricing structures carefully and monitor transaction statements regularly to avoid unexpected costs.<\/p>\n<ul>\n<li id=\"neglecting-physical-terminal-security\"><strong>Neglecting Physical Terminal Security<\/strong><\/li>\n<\/ul>\n<div class=\"flex flex-col text-sm pb-25\">\n<section class=\"text-token-text-primary w-full focus:outline-none [--shadow-height:45px] has-data-writing-block:pointer-events-none has-data-writing-block:-mt-(--shadow-height) has-data-writing-block:pt-(--shadow-height) [&amp;:has([data-writing-block])&gt;*]:pointer-events-auto scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" data-turn-id=\"request-WEB:a5f95a72-8ed6-497a-bac9-e67540e823f6-10\" data-testid=\"conversation-turn-22\" data-scroll-anchor=\"true\" data-turn=\"assistant\">\n<div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:var(--thread-content-margin-xs,calc(var(--spacing)*4))] @w-sm\/main:[--thread-content-margin:var(--thread-content-margin-sm,calc(var(--spacing)*6))] @w-lg\/main:[--thread-content-margin:var(--thread-content-margin-lg,calc(var(--spacing)*16))] px-(--thread-content-margin)\">\n<div class=\"[--thread-content-max-width:40rem] @w-lg\/main:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\">\n<div class=\"flex max-w-full flex-col gap-4 grow\">\n<div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal outline-none keyboard-focused:focus-ring [.text-message+&amp;]:mt-1\" dir=\"auto\" tabindex=\"0\" data-message-author-role=\"assistant\" data-message-id=\"d01b5e67-110d-41dd-9c4c-f2e4f7aa1756\" data-message-model-slug=\"gpt-5-mini\" data-turn-start-message=\"true\">\n<div class=\"flex w-full flex-col gap-1 empty:hidden\">\n<div class=\"markdown prose dark:prose-invert w-full wrap-break-word light markdown-new-styling\">\n<p data-start=\"3521\" data-end=\"3636\">Physical EFTPOS security is often overlooked. Unattended terminals are more exposed to tampering or skimming risks.<\/p>\n<p data-start=\"3638\" data-end=\"3776\">Businesses can reduce this risk by securing terminals properly, inspecting devices regularly, and storing mobile units safely after hours.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<\/div>\n<div class=\"relative basis-auto flex-col -mb-(--composer-overlap-px) pb-(--composer-overlap-px) [--composer-overlap-px:28px] grow flex\">\n<div class=\"flex flex-col text-sm pb-25\">\n<section class=\"text-token-text-primary w-full focus:outline-none [--shadow-height:45px] has-data-writing-block:pointer-events-none has-data-writing-block:-mt-(--shadow-height) has-data-writing-block:pt-(--shadow-height) [&amp;:has([data-writing-block])&gt;*]:pointer-events-auto scroll-mt-(--header-height)\" dir=\"auto\" data-turn-id=\"05bff279-bc64-4013-a473-7f7ead5be9bc\" data-testid=\"conversation-turn-25\" data-scroll-anchor=\"false\" data-turn=\"user\"><\/section>\n<section class=\"text-token-text-primary w-full focus:outline-none [--shadow-height:45px] has-data-writing-block:pointer-events-none has-data-writing-block:-mt-(--shadow-height) has-data-writing-block:pt-(--shadow-height) [&amp;:has([data-writing-block])&gt;*]:pointer-events-auto scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" data-turn-id=\"request-WEB:a5f95a72-8ed6-497a-bac9-e67540e823f6-12\" data-testid=\"conversation-turn-26\" data-scroll-anchor=\"true\" data-turn=\"assistant\">\n<div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:var(--thread-content-margin-xs,calc(var(--spacing)*4))] @w-sm\/main:[--thread-content-margin:var(--thread-content-margin-sm,calc(var(--spacing)*6))] @w-lg\/main:[--thread-content-margin:var(--thread-content-margin-lg,calc(var(--spacing)*16))] px-(--thread-content-margin)\">\n<div class=\"[--thread-content-max-width:40rem] @w-lg\/main:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\">\n<div class=\"flex max-w-full flex-col gap-4 grow\">\n<div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal outline-none keyboard-focused:focus-ring [.text-message+&amp;]:mt-1\" dir=\"auto\" tabindex=\"0\" data-message-author-role=\"assistant\" data-message-id=\"dce812bf-6628-4a33-82c2-d97e3b509ac4\" data-message-model-slug=\"gpt-5-mini\" data-turn-start-message=\"true\">\n<div class=\"flex w-full flex-col gap-1 empty:hidden\">\n<div class=\"markdown prose dark:prose-invert w-full wrap-break-word light markdown-new-styling\">\n<h2 data-section-id=\"1f9mecc\" data-start=\"0\" data-end=\"50\"><strong>Advanced EFTPOS Practices for Modern Businesses<\/strong><\/h2>\n<p data-start=\"52\" data-end=\"296\">Modern businesses now use EFTPOS for more than basic card payments. Advanced setups help improve customer experience, simplify operations, and provide better business insights through connected systems.<\/p>\n<h3 data-section-id=\"giycu0\" data-start=\"298\" data-end=\"341\"><strong>Utilizing Android-Based Smart Terminals<\/strong><\/h3>\n<p data-start=\"4032\" data-end=\"4354\">Android-based EFTPOS terminals function much like smartphones, with touchscreen interfaces and app support. Many businesses use <a href=\"https:\/\/www.hashmicro.com\/au\/pos-system\"><strong data-start=\"3184\" data-end=\"3210\">software for retailers<\/strong><\/a> that combines payments, stock tracking, loyalty programs, and receipt management within one system.<\/p>\n<p data-start=\"4356\" data-end=\"4455\">This setup helps staff work more efficiently while reducing the need for separate hardware devices.<\/p>\n<h3 data-section-id=\"k8nvkm\" data-start=\"669\" data-end=\"724\"><strong>Implementing SoftPOS (Tap-to-Pay on Mobile Devices)<\/strong><\/h3>\n<p data-start=\"4514\" data-end=\"4675\">SoftPOS allows businesses to accept payments directly through smartphones or tablets using NFC technology. This removes the need for traditional EFTPOS hardware.<\/p>\n<p data-start=\"4677\" data-end=\"4791\">The setup works well for pop-up stores, mobile businesses, and teams that need flexible payment options on the go.<\/p>\n<h3 data-section-id=\"1m9lwl1\" data-start=\"1023\" data-end=\"1051\"><strong>Omnichannel Tokenization<\/strong><\/h3>\n<p data-start=\"4823\" data-end=\"5000\">Omnichannel tokenization helps connect online and in-store payment experiences. Instead of storing card details directly, the system uses secure digital tokens for transactions.<\/p>\n<p data-start=\"5002\" data-end=\"5109\">This creates a smoother checkout experience for customers while improving payment security across channels.<\/p>\n<h3 data-section-id=\"wbuqsn\" data-start=\"1352\" data-end=\"1395\"><strong>Leveraging Transactional Data Analytics<\/strong><\/h3>\n<p data-start=\"5156\" data-end=\"5300\">Every EFTPOS transaction generates useful business data. Reporting dashboards can show payment trends by location, terminal, time, or card type.<\/p>\n<p data-start=\"5302\" data-end=\"5426\">Businesses often use this data to improve staffing decisions, evaluate promotions, and better understand customer behaviour.<\/p>\n<h3 data-section-id=\"1yl9q8d\" data-start=\"1673\" data-end=\"1726\"><strong>Streamlining the Financial Reconciliation Process<\/strong><\/h3>\n<p data-start=\"5483\" data-end=\"5653\">Modern EFTPOS systems can automate reconciliation processes at the end of the day. Transactions are grouped, processed, and matched with accounting records automatically.<\/p>\n<p data-start=\"5655\" data-end=\"5780\">This reduces manual bookkeeping work, lowers the risk of errors, and gives businesses better visibility into daily cash flow.<\/p>\n<h2 data-section-id=\"8dtpi\" data-start=\"100\" data-end=\"113\"><strong>Conclusion<\/strong><\/h2>\n<p data-start=\"115\" data-end=\"398\">EFTPOS systems have transformed the way businesses accept payments, offering speed, security, and seamless integration with POS software. By understanding the differences between EFTPOS and POS, companies can streamline checkout, reduce errors, and improve the customer experience.<\/p>\n<p data-start=\"400\" data-end=\"661\">Advanced practices like Android terminals, SoftPOS, and transactional analytics allow businesses to gain insights, engage customers, and simplify financial reconciliation. To explore the best EFTPOS solution for your business, <a href=\"https:\/\/www.hashmicro.com\/au\/free-product-tour\/\">consult with our expert<\/a> right now.<\/p>\n<p data-start=\"400\" data-end=\"661\"><span data-sheets-root=\"1\"><a href=\"https:\/\/www.hashmicro.com\/au\/free-product-tour\/?medium=free-product-tour\" target=\"_blank\"><img decoding=\"async\" loading=\"lazy\" width=\"712\" src=\"https:\/\/www.hashmicro.com\/blog\/wp-content\/uploads\/2025\/11\/Free-Product-Tour-resized.webp\" alt=\"Free Demo\"><\/a><\/span><\/p>\n<h2><strong>Frequently Asked Questions About EFTPOS<\/strong><\/h2>\n<ul class=\"bottom_faq\">\n<li>\n<details open=\"open\">\n<summary><strong data-start=\"51\" data-end=\"70\">What is EFTPOS?<\/strong><\/summary>\n<p data-start=\"51\" data-end=\"248\">EFTPOS stands for Electronic Funds Transfer at Point of Sale. It is the system that moves money from a customer\u2019s bank account to a business during card or digital payments.<\/p>\n<\/details>\n<\/li>\n<li>\n<details open=\"open\">\n<summary><strong data-start=\"250\" data-end=\"296\">How is EFTPOS different from a POS system?<\/strong><\/summary>\n<p data-start=\"250\" data-end=\"429\">POS manages sales, inventory, and reports. EFTPOS only handles payment processing, working with banks to authorize transactions.<\/p>\n<\/details>\n<\/li>\n<li>\n<details open=\"open\">\n<summary><strong data-start=\"431\" data-end=\"474\">What payment methods can EFTPOS accept?<\/strong><\/summary>\n<p data-start=\"431\" data-end=\"609\">EFTPOS supports debit and credit cards, contactless cards, mobile wallets like Apple Pay and Google Pay, and Tap-to-Pay on phones.<\/p>\n<\/details>\n<\/li>\n<li>\n<details open=\"open\">\n<summary><strong data-start=\"611\" data-end=\"666\">Can EFTPOS be used for mobile or remote businesses?<\/strong><\/summary>\n<p data-start=\"611\" data-end=\"803\">Yes. Mobile EFTPOS devices connect via Wi-Fi or 4G\/5G, letting tradespeople, delivery drivers, and pop-ups accept payments anywhere.<\/p>\n<\/details>\n<\/li>\n<li>\n<details open=\"open\">\n<summary><strong data-start=\"805\" data-end=\"846\">How does EFTPOS keep payments secure?<\/strong><\/summary>\n<div class=\"flex flex-col text-sm pb-25\">\n<section class=\"text-token-text-primary w-full focus:outline-none [--shadow-height:45px] has-data-writing-block:pointer-events-none has-data-writing-block:-mt-(--shadow-height) has-data-writing-block:pt-(--shadow-height) [&amp;:has([data-writing-block])&gt;*]:pointer-events-auto scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" data-turn-id=\"request-69cb467e-e0fc-8321-a074-6c82c01c210c-2\" data-testid=\"conversation-turn-32\" data-scroll-anchor=\"true\" data-turn=\"assistant\">\n<div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:var(--thread-content-margin-xs,calc(var(--spacing)*4))] @w-sm\/main:[--thread-content-margin:var(--thread-content-margin-sm,calc(var(--spacing)*6))] @w-lg\/main:[--thread-content-margin:var(--thread-content-margin-lg,calc(var(--spacing)*16))] px-(--thread-content-margin)\">\n<div class=\"[--thread-content-max-width:40rem] @w-lg\/main:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\">\n<div class=\"flex max-w-full flex-col gap-4 grow\">\n<div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal outline-none keyboard-focused:focus-ring [.text-message+&amp;]:mt-1\" dir=\"auto\" tabindex=\"0\" data-message-author-role=\"assistant\" data-message-id=\"76854f45-2600-42f7-9216-230230b06541\" data-message-model-slug=\"gpt-5-mini\" data-turn-start-message=\"true\">\n<div class=\"flex w-full flex-col gap-1 empty:hidden\">\n<div class=\"markdown prose dark:prose-invert w-full wrap-break-word light markdown-new-styling\">\n<p data-start=\"805\" data-end=\"998\" data-is-last-node=\"\" data-is-only-node=\"\">EFTPOS encrypts card data, uses EMV chip technology, and can integrate with tokenization and fraud detection systems to protect customer information.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<\/div>\n<\/details>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<\/div>\n<\/div>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [{\n    \"@type\": \"Question\",\n    \"name\": \"What is EFTPOS?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"EFTPOS stands for Electronic Funds Transfer at Point of Sale. It is the system that moves money from a customer\u2019s bank account to a business during card or digital payments.\"\n    }\n  },{\n    \"@type\": \"Question\",\n    \"name\": \"How is EFTPOS different from a POS system?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"POS manages sales, inventory, and reports. EFTPOS only handles payment processing, working with banks to authorize transactions.\"\n    }\n  },{\n    \"@type\": \"Question\",\n    \"name\": \"What payment methods can EFTPOS accept?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"EFTPOS supports debit and credit cards, contactless cards, mobile wallets like Apple Pay and Google Pay, and Tap-to-Pay on phones.\"\n    }\n  },{\n    \"@type\": \"Question\",\n    \"name\": \"Can EFTPOS be used for mobile or remote businesses?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"Yes. 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It connects payment terminals to banking networks so transactions can be [&hellip;]<\/p>\n","protected":false},"author":56,"featured_media":1990,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[63],"tags":[],"class_list":{"0":"post-1943","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-pos-general"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.6 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Understanding How EFTPOS Payments Work for Retail and Hospitality<\/title>\n<meta name=\"description\" content=\"Fast, secure, and smart EFTPOS solutions for retail, hospitality, and mobile businesses.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.hashmicro.com\/au\/blog\/eftpos\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Understanding How EFTPOS Payments Work for Retail and Hospitality\" \/>\n<meta property=\"og:description\" content=\"Fast, secure, and smart EFTPOS solutions for retail, hospitality, and mobile businesses.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.hashmicro.com\/au\/blog\/eftpos\/\" \/>\n<meta property=\"og:site_name\" content=\"HashMicro Australia\" \/>\n<meta property=\"article:published_time\" content=\"2026-04-06T09:57:18+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-21T06:58:57+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.hashmicro.com\/au\/blog\/wp-content\/uploads\/2026\/03\/EFTPOS.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta 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