Simplify your business payments with multi-merchant EFTPOS

If your business operates with multiple providers, entities, or service lines under one roof, taking payments can quickly become more complex than it needs to be. Whether you’re a clinic with several practitioners, a gym with personal trainers, or a salon with independent stylists, keeping payments separate often leads to extra admin, manual reconciliation, and unnecessary stress.

That’s where multi-merchant EFTPOS comes in. It provides a simple, streamlined way to take payments for multiple providers using one or more EFTPOS terminals, clearly identifying who each transaction belongs to and paying the funds into the correct account. The same multi-merchant structure can also be applied to online payments, giving businesses a consistent approach across in-person and digital channels.

Availability note: Multi-merchant EFTPOS is currently available for businesses using an eligible terminal through our supported Integration Software Vendors (ISV): Xestro and MedicalDirector Pracsoft. If you’re an ISV partner and want to enable this for your users, we’d love to talk.

What is multi-merchant EFTPOS?

Multi-merchant EFTPOS is a payment solution that enables eligible businesses to process payments for multiple provider accounts through one or more terminals. Each transaction is automatically attributed to the correct merchant, ensuring accurate settlements and clear reporting without manual intervention.

Importantly, this capability isn’t limited to in-store payments. It can also support online transactions, helping businesses manage multi-merchant payments consistently across channels.

Who needs multi-provider payment processing?

Multi-merchant EFTPOS is suited to businesses that need to manage payments effectively for multiple providers. It’s the ideal solution if you:

• Operate with multiple merchant facilities
• Take payments across both in-person or online channels
• Need clearer settlement allocation and more reliable reporting
• Want to reduce time spent on manual reconciliation

It’s particularly relevant for industries where shared admin teams and multi‑provider environments are common, including:

• Healthcare and allied health (available today via Xestro and MedicalDirector PracSoft)
• Education groups with multiple programs or campuses
• Fitness and wellness businesses with varied services or franchise-style operations

Benefits for merchants

If your business works with multiple service providers or merchant facilities, automated payment splitting helps keep payments simple and organised, even when different payment types are involved.

• Better financial visibility and control - across all payment types: Clearer settlement and reporting reduces manual effort and gives you greater confidence in your financial data.
• A smoother front‑desk experience: Payments should be simple. With the right setup, staff can process EFTPOS payments confidently, with fewer errors and fewer follow‑up fixes.
• Cleaner reconciliation, less admin: When transactions are automatically attributed to the correct merchant, your team spends less time investigating mismatched settlements or manually sorting payments.
• Scales with your business: DC2- Restricted As your organisation grows – adding providers, services, or entities, multi-merchant EFTPOS supports that expansion without the need for workarounds that don’t scale.
• Supports a broader payment strategy: It can be used alongside other payment types, allowing businesses to combine EFTPOS, online payments, and additional payment solutions to suit different services, channels, or customer preferences.

Why it matters for ISV partners

For ISVs, multi-merchant EFTPOS makes it easier to support complex, multi‑entity merchants without making payments harder to use.

ISVs can initiate both in‑person and online payments from within their platform, automatically allocating each transaction to the correct provider and settling funds into the right account. This removes the need for custom payment logic or manual reconciliation.

With a single, consistent payments setup across channels, ISVs can also access clear, structured payment data through simple reporting endpoints. This data can be used to power dashboards, provider summaries, reconciliation tools, and other payment‑driven features across the platform.

This helps ISVs to:

• Embed payments seamlessly into their software and workflows
• Support complex merchant models without adding payment complexity
• Reduce support issues caused by incorrect allocation or settlement confusion
• Increase platform value by using payment data to create richer product experiences

See if multi-merchant EFTPOS is right for your business

For merchants: If you’re a merchant using an eligible terminal through Xestro or MedicalDirector PracSoft and want cleaner settlement and reporting across multiple facilities, multi-merchant EFTPOS could be a great fit.

For ISV partners: Looking to offer this functionality to your customers? We’re here to help you explore what’s possible. Get in touch with Ezidebit to discuss multi-merchant EFTPOS.