Editing EFTPOS (section)

=== History ===
The name and logo for EFTPOS in Australia were originally owned by Shiyombo Makasa and were [[trade mark]]s from 1986 until 1991. The ownership was for convenience and all the banks used the name and logo (commonly called "fat-E") on their cards and advertising. By mid July 1986, all major banks and retailers have agreed to implement eftpos.<ref>{{cite thesis|url=https://documents.uow.edu.au/~jennie/WEBPDF/113_1987.pdf |date=August 1986 |last1=Gyoery |first1=Ralph |last2=Seberry |first2=Jennifer |title=Electronic Funds Transfers Point of Sale in Australia |institution=University of Sydney |page=30}}</ref>

In 1991, dialup EFTPOS was conceived by [[KeyBank|Key Corp]] (John Wood) and deployment of dialup commenced in 1993. Until 1993, communications, connections and transactions between banks, ATM banks and EFTPOS devices where conducted via leased lines (a specific power assisted communication line that detects any attempt to tamper with it) but in 1993, mobile wireless EFTPOS was conceived by Dynamic Data Systems (H. Daniel Elbaum). In 1995, Dynamic Data Systems and the banking industry worked together to implement, certify and introduce protocols and standards for cellular networks, and by 1998, the use of mobile EFTPOS began to appear in Australia.<ref>{{Cite news|title=A boost for EFTPOS|last=Cornell|first=Andrew|date=January 1997|work=Electronic Payments International}}</ref><ref>{{Cite web|url=http://www.decisive.com.au/html/110598_10.html|title=Optus to develop GSM-based mobile EFTPOS system|last=Sainsbury|first=Michael|archive-url=https://web.archive.org/web/19980612141247/http://www.decisive.com.au/html/110598_10.html|archive-date=1998-06-12|url-status=dead}}</ref>

In 2006, Commonwealth Bank and MasterCard ran a six-month trial of the [[contactless smart card]] system [[PayPass]] in [[Sydney]] and [[Wollongong]],<ref>
{{cite web
  | url = http://www.commbank.com.au/about-us/news/media-releases/2006/050406-news-tap-n-go.aspx
  | title = Commonwealth Bank unveils "Tap N Go™" payment technology
  | publisher = [[Commonwealth Bank]]
  | date = 5 April 2006
  | access-date = 2011-09-11 }}</ref> 
supplementing the traditional EFTPOS swipe or chip system. The system was rolled out across Australia in 2009;<ref>
{{cite web
  | url=http://www.commbank.com.au/about-us/news/media-releases/2009/151009-news-contactless-terminals-cards.aspx
  | title = Commonwealth Bank rolls out contactless terminals and cards
  | publisher = Commonwealth Bank
  | date = 15 October 2009
  | access-date = 2011-09-11 }}</ref> other systems being rolled out are Westpac Bank's MasterCard PayPass and [[Visa Inc|Visa]] [[payWave]] branded cards.<ref>{{cite web|url=http://info.westpac.com.au/contactless/|title=Introducing contactless technology|publisher=[[Westpac]]|access-date=2011-09-10|archive-date=2011-09-03|archive-url=https://web.archive.org/web/20110903012406/http://info.westpac.com.au/contactless/|url-status=dead}}</ref>

In April 2009, a company, “EFTPOS Payments Australia Ltd” (ePal) was formed to manage and promote the EFTPOS system in Australia.<ref>{{cite web| url = http://www.apca.com.au/PM/2009_Quarter2/index.html| title = APCA PaymentsMonitor publication — Industry establishes new company to manage EFTPOS| access-date = 2009-07-13| archive-date = 2011-07-06| archive-url = https://web.archive.org/web/20110706101438/http://www.apca.com.au/PM/2009_Quarter2/index.html| url-status = dead}}</ref>  ePal regulation commenced in January 2011.<ref name=cecs /> The initial members of EFTPOS Payments Australia Ltd were:
* [[ANZ Bank]]
* Australian Settlements Limited
* [[Bank of Queensland]]
* [[Bendigo & Adelaide Bank]]
* Cashcard
* [[Citigroup]]
* [[Commonwealth Bank]]
* [[Coles Group]]
* [[Cuscal]]
* Indue
* [[National Australia Bank]]
* [[Suncorp|Suncorp-Metway]]
* [[Westpac]]
* [[Woolworths Group (Australia)|Woolworths]]<ref>{{cite web| url = https://www.eftposaustralia.com.au/about/| title = EFTPOS {{!}} About}}</ref> 
The current members of EFTPOS Payments Australia Ltd are:
* [[Adyen]]
* [[ANZ Bank]]
* Australian Settlements Limited
* [[Bank of Queensland]]
* [[Bendigo & Adelaide Bank]]
* [[Citigroup]]
* [[Commonwealth Bank]]
* [[Coles Group]]
* [[Cuscal]]
* [[EFTEX]]
* [[First Data]] Network Australia
* Indue
* [[ING Australia]]
* [[National Australia Bank]]
* [[PayPal]]
* [[Suncorp|Suncorp-Metway]]
* [[Tyro Payments]]
* [[Westpac]]
* [[Woolworths Group (Australia)|Woolworths]]

In Australia, store cards have been excluded from participation in the EFTPOS and ATM systems. Consequently, several larger store accounts have entered into co-branding arrangements with credit card networks for the store-based accounts to be widely accepted. This was the case with Coles (previously, Coles-Myer) which co-branded with [[Mastercard]], [[Myer]] which co-branded with Visa, and [[David Jones (department store)|David Jones]] which co-branded with [[American Express]]. Woolworths organised its credit card called [[Everyday Rewards]] (now Woolworths Money){{clarify|The Everyday Rewards article says that the credit card was a separate card called "Everyday Money"|date=June 2012}} which initially was partnered with credit provider [[HSBC Bank Australia|HSBC Bank]], but changed on 26 October 2014 to [[Macquarie Group|Macquarie Bank]].