Live Payments: an Australian-First Approach to EFTPOS, Online Checkout, and Tap to Pay

Live Payments is an Australian payments company that helps merchants accept cards and digital wallets in store, online, and on the go. Headquartered in Sydney and 100 percent Australian owned, the company says it serves 8,000+ customers and has evolved from a taxi-focused processor founded in 2006 into a full payments acquirer since 2022. That journey includes a long-running Qantas Business Rewards partnership that lets eligible merchants earn points as they process.

What You Can Accept with Live Payments

Across its product range, Live Payments supports all major card brands and popular mobile wallets. In store, that means Visa, Mastercard, American Express and eftpos, with mobile wallets such as Apple Pay, Google Pay and Samsung Pay. On certain plans you can also price for alternative rails like Alipay and WeChat Pay.

Core Solutions for Merchants

In-store EFTPOS

Live Payments offers several terminal options so you can match the device to your counter layout or service model:

• Ingenico DX8000 all-in-one smart terminal for portable, pay-anywhere flows with strong battery life and multiple connectivity options.

• P400 Plus countertop pin-pad designed for fixed checkout lanes.

• V400m portable model with fast printing for table-service or queue-busting.

• PAX A920 mobile POS option that integrates with 600+ POS systems via Linkly.

Useful features include refunds, voids, MOTO, tipping, and dynamic surcharging if you choose to pass on merchant fees. Connectivity options include Telstra 4G or Wi-Fi to help keep terminals online. For retail and hospitality, Live highlights Linkly POS integration and even calls out same day settlement on its retail page.

Tap to Pay with LiveTap on iPhone and Android

If you prefer not to carry hardware, LiveTap turns a compatible smartphone into a contactless acceptance device. You download the app, complete onboarding, and start taking contactless payments from cards and mobile wallets. LiveTap supports Tap to Pay on iPhone and also runs on Android, with digital receipts and basic transaction management in the app.

Online Checkout and Virtual Terminal

For ecommerce, Live Payments provides a gateway with plug-ins for popular platforms such as WooCommerce, Magento, Shift4Shop, PrestaShop, OpenCart and Adobe Commerce, plus tokenized payments to secure repeat transactions. If you need to key payments over the phone or from a browser, the Virtual Terminal is available in the merchant portal with real-time authorizations and a refreshed interface.

Reporting and Portals

Merchants get 24/7 reporting to search, view and download transactions and settlement reports via the Live Portal, which centralizes payment management for faster reconciliation.

In-store Pricing

• Fee Free plan: $0 monthly rental when you process at least $5,000 per terminal each month, otherwise $39. Processing fee 1.65 percent for all card types. One-time install fee $79. This tier is aligned to Qantas Business Rewards with earn rates up to 1 Qantas Point per $25 processed. All fees are GST inclusive.

• Green plan: $39 per month, 1.20 percent for Visa, Mastercard and eftpos, and 1.65 percent for American Express, WeChat and Alipay. Install fee $79. Qantas points available per program rules.

• Gold plan: $39 per month with 1.99 percent all-card pricing and a higher Qantas earn rate. Black plan: $39 per month with 2.59 percent all-card pricing and the highest Qantas earn rate. All tiers state GST inclusive fees.

If you process more than $250,000 per month, Live invites you to request a custom package.

Online pricing

For online payments, Live lists $0 monthly fees across tiers with blended percentage plus 30 cent per-transaction charges:

• Green: 1.65 percent + $0.30

• Gold: 1.99 percent + $0.30

• Black: 2.59 percent + $0.30

These tiers also show Qantas Business Rewards earn rates that step up from Green through Black.

Security and Compliance

Live Payments states that all terminals are PCI-DSS compliant, APCA approved, and EMV certified, with monitoring systems and a risk team that reviews sign-ups, payments and deposits. The company lists its operating entities and Australian address on the site.

Where Live Payments Fits Best

• Retail chains and grocery that want durable countertop pin-pads, Linkly POS integration and operational features like dynamic surcharging and tipping. The retail page also highlights same day settlement messaging that many shop floors value.

• Hospitality from cafes to nightclubs, where fast payments, tipping and reporting matter, and staff carry portable devices or a phone to the table.

• Trades and services that need reliable portable acceptance or LiveTap for on-site work without extra hardware.

• Phone-order and back-office billing teams that benefit from the Virtual Terminal and consolidated portal reporting.

Key Takeaways for Merchants

• Australian ownership and footprint with 8,000+ customers and a track record dating back to 2006.

• Flexible acceptance across terminals, smartphones and online, with major cards, eftpos and popular wallets supported.

• Clear plan-based pricing for in-store and online, no lock-in contracts, and optional Qantas Business Rewards points.

• Operational depth including Linkly POS integration, dynamic surcharging, tipping, and round-the-clock reporting.

• Security posture aligned with PCI-DSS, APCA approval and EMV standards, backed by internal monitoring.

Conclusion

If you are weighing providers, Live Payments combines Australian support, multi-channel acceptance, and tiered pricing that can be tuned to your priorities, whether that is lowering blended rates, maximizing Qantas points, or going hardware-free with Tap to Pay. The mix of devices, LiveTap, an ecommerce gateway and a modern portal makes it a practical choice for merchants who want to move quickly and keep reconciliation simple.