eftpos for Unified Payments API

Last updated: September 16, 2026

To accept eftpos payments, you must request a payment using card details or tokenized card data.

Checkout.com prioritizes routing your transaction through eftpos when you use a co-branded card. If routing to eftpos fails, the transaction falls back to the signature scheme.

Call the Request a payment endpoint:

Note

Eftpos is a single message system, so it does not support delayed or partial capture. Always set capture to true in your payment request.

post

https://{prefix}.api.checkout.com/payments/


1{
2  "source": {
3    "type": "card",
4    "number": "4873400000000024",
5    "expiry_month": 12,
6    "expiry_year": 2027
7  },
8  "3ds": {
9    "enabled": true,
10    "attempt_n3d": true
11  },
12  "amount": 1000,
13  "capture": true,
14  "currency": "AUD",
15  "payment_type": "Regular"
16}


1{
2  "source": {
3    "type": "token",
4    "token": "tok_4gzeau5o2uqubbk6fufs3m7p54"
5  },
6  "amount": 1000,
7  "capture": true,
8  "currency": "AUD",
9  "payment_type": "Regular"
10}

When you receive a payment_captured webhook, it indicates that the transaction completed successfully.

You can process merchant-initiated transactions (MITs) to store your customer's card details and use them for future payments.

Supported MIT transactions include:

Recurring payments
Installment payments
Unscheduled payments

You can process recurring payments using eftpos. For example, to charge a subscription service.

Perform an initial cardholder-initiated transaction (CIT) to store the debit card details. For requirements, see Store card details during an initial recurring transaction.
Provide "payment_type": "Recurring".
Process subsequent payments using any previous payment ID. For requirements, see Request a payment in a subsequent MIT.


1{
2  "source": {
3    "type": "token",
4    "token": "tok_4gzeau5o2uqubbk6fufs3m7p54"
5  },
6  "amount": 6500,
7  "currency": "AUD",
8  "payment_type": "Recurring",
9  "capture": true,
10  "merchant_initiated": false,
11  "3ds": {
12    "enabled": true,
13    "challenge_indicator": "challenge_requested_mandate"
14  }
15}


1{
2  "source": {
3    "type": "token",
4    "token": "tok_4gzeau5o2uqubbk6fufs3m7p54"
5  },
6  "amount": 6500,
7  "currency": "AUD",
8  "payment_type": "Recurring",
9  "merchant_initiated": true,
10  "previous_payment_id": "pay_y3oqhf46bzujizoaad9dsdz2vw",
11  "3ds": {
12    "enabled": true,
13    "challenge_indicator": "challenge_requested_mandate"
14  }
15}

After you've requested the payment, you can use the id returned in the payment response to retrieve details about the payment.

For more information, see Get payment details.

Eftpos supports full and partial refunds.

You can process refunds using the Dashboard or the Refund API.

Eftpos does not support voids, because it's a single message system that always uses auto-capture.

In Sandbox:

Create a test payment request.
Set source.number to any of the cards in the following table, depending on the outcome you want to simulate:

PAN	Scheme	Issuer	Eftpos code	Eftpos meaning
`4065871023035361`	Visa	CommBank	`00`	Approved
`4560041024036897`	Visa	ANZ	`00`	Approved
`4089671025038427`	Visa	Westpac	`00`	Approved

Any PAN not listed will also return code 00 (Approved) via the default approval scenario.

PAN	Scheme	Issuer	Eftpos code	Eftpos meaning
`4560041000000172`	Visa	ANZ	`01`	Refer to card issuer
`4622391001001703`	Visa	ANZ	`05`	Do not honour
`5121271002003234`	Mastercard	CommBank	`05`	Do not honour
`5280131003004762`	Mastercard	CommBank	`12`	Invalid transaction
`4089671004006296`	Visa	Westpac	`12`	Invalid transaction
`4239531005007827`	Visa	Westpac	`14`	Invalid card number
`4026081006009353`	Visa	BOQ	`15`	No such issuer
`4349681007010886`	Visa	BOQ	`30`	Format error
`4337701008012410`	Visa	Bendigo	`36`	Restricted card
`4017951009013944`	Visa	NAB	`36`	Restricted card
`4639251010015477`	Visa	NAB	`41`	Lost card
`4365311011017003`	Visa	Suncorp	`41`	Lost card
`4564301012018539`	Visa	Suncorp	`43`	Stolen card
`5327371013020060`	Mastercard	CommBank	`51`	Not sufficient funds
`4645791014021593`	Visa	ANZ	`51`	Not sufficient funds
`4239541015023128`	Visa	Westpac	`57`	Transaction not permitted to cardholder
`4041371016024653`	Visa	ASL	`57`	Transaction not permitted to cardholder
`4054971017026187`	Visa	ASL	`57`	Transaction not permitted to cardholder
`4097711018027712`	Visa	ASL	`59`	Suspected fraud
`4588581019029249`	Visa	BOQ	`61`	Exceeds withdrawal amount limits
`5188681020030771`	Mastercard	Bendigo	`61`	Exceeds withdrawal amount limits
`5367631021032303`	Mastercard	CommBank	`96`	System malfunction
`4336160260338917`	Visa	Westpac	`96`	System malfunction

Use any of the following card numbers to test the corresponding 3DS flow:

PAN	Network	3DS flow
`6086989378570194`	eftpos	Successful authentication
`6086988633666318`	eftpos	Challenge required Not authenticated
`6086988421777772`	eftpos	Challenge required Successful authentication
`6086980356182698`	eftpos	Authentication rejected
`6086984931155062`	eftpos	Could not perform authentication
`6086984575754667`	eftpos	Not authenticated
`5430489823580331`	eftpos / Mastercard	Successful authentication
`5430485154592739`	eftpos / Mastercard	Challenge required Could not perform authentication
`5430483517162498`	eftpos / Mastercard	Challenge required Successful authentication
`5327370185430933`	eftpos / Mastercard	Successful authentication Payment captured
`5430489205507142`	eftpos / Mastercard	Authentication rejected
`5430481958773757`	eftpos / Mastercard	Could not perform authentication
`5430489766358513`	eftpos / Mastercard	Not authenticated
`4509491723526413`	eftpos / Visa	Successful authentication
`4509490198443864`	eftpos / Visa	Challenge required Attempts processing performed Authentication was attempted, but the cardholder was not fully authenticated.
`4509497522131255`	eftpos / Visa	Challenge required Successful authentication
`4065871023035361`	eftpos / Visa	Challenge required Successful authentication Payment captured
`4509490106329676`	eftpos / Visa	Authentication rejected
`4509493256687828`	eftpos / Visa	Could not perform authentication
`4509492773429946`	eftpos / Visa	Not authenticated

eftpos for Unified Payments API

Request a payment

Note

Request example

Process merchant-initiated transactions

Recurring payments

Initial request example

Subsequent request example

Get payment details

Refund a payment

Void a payment

Test eftpos payments

Test 3DS flows