 For EFTPOS, USA based systems allow the use of debit cards or credit cards.In Australia, debit and credit cards are the most common non-cash payment methods at “points of sale” (POS) or via ATMs.Not all merchants provide EFTPOS facilities, but those who wish to accept EFTPOS payments must enter an agreement with one of the seven merchant service providers, which rent an EFTPOS terminal to the merchant.