 Using contactless debit cards on tap-and-go terminals routes the transaction through the more expensive credit card system instead of the EFTPOS route, adding to the cost to the merchant, and ultimately the consumer.The name and logo for EFTPOS in Australia were originally owned by the Dr Shiyombo Makasa and were trade marks 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.