#EFTPOS for small business

[luetta]

idk if people on tumblr know about this but a cybersecurity software called crowdstrike just did what is probably the single biggest fuck up in any sector in the past 10 years. it's monumentally bad. literally the most horror-inducing nightmare scenario for a tech company.

some info, crowdstrike is essentially an antivirus software for enterprises. which means normal laypeople cant really get it, they're for businesses and organisations and important stuff.

so, on a friday evening (it of course wasnt friday everywhere but it was friday evening in oceania which is where it first started causing damage due to europe and na being asleep), crowdstrike pushed out an update to their windows users that caused a bug.

before i get into what the bug is, know that friday evening is the worst possible time to do this because people are going home. the weekend is starting. offices dont have people in them. this is just one of many perfectly placed failures in the rube goldburg machine of crowdstrike. there's a reason friday is called 'dont push to live friday' or more to the point 'dont fuck it up friday'

so, at 3pm at friday, an update comes rolling into crowdstrike users which is automatically implemented. this update immediately causes the computer to blue screen of death. very very bad. but it's not simply a 'you need to restart' crash, because the computer then gets stuck into a boot loop.

this is the worst possible thing because, in a boot loop state, a computer is never really able to get to a point where it can do anything. like download a fix. so there is nothing crowdstrike can do to remedy this death update anymore. it is now left to the end users.

it was pretty quickly identified what the problem was. you had to boot it in safe mode, and a very small file needed to be deleted. or you could just rename crowdstrike to something else so windows never attempts to use it.

it's a fairly easy fix in the grand scheme of things, but the issue is that it is effecting enterprises. which can have a looooot of computers. in many different locations. so an IT person would need to manually fix hundreds of computers, sometimes in whole other cities and perhaps even other countries if theyre big enough.

another fuck up crowdstrike did was they did not stagger the update, so they could catch any mistakes before they wrecked havoc. (and also how how HOW do you not catch this before deploying it. this isn't a code oopsie this is a complete failure of quality ensurance that probably permeates the whole company to not realise their update was an instant kill). they rolled it out to everyone of their clients in the world at the same time.

and this seems pretty hilarious on the surface. i was havin a good chuckle as eftpos went down in the store i was working at, chaos was definitely ensuring lmao. im in aus, and banking was literally down nationwide.

but then you start hearing about the entire country's planes being grounded because the airport's computers are bricked. and hospitals having no computers anymore. emergency call centres crashing. and you realised that, wow. crowdstrike just killed people probably. this is literally the worst thing possible for a company like this to do.

crowdstrike was kinda on the come up too, they were starting to become a big name in the tech world as a new face. but that has definitely vanished now. to fuck up at this many places, is almost extremely impressive. its hard to even think of a comparable fuckup.

a friday evening simultaneous rollout boot loop is a phrase that haunts IT people in their darkest hours. it's the monster that drags people down into the swamp. it's the big bag in the horror movie. it's the end of the road. and for crowdstrike, that reaper of souls just knocked on their doorstep.

[efficientcapitalsolutions06]

How to Get a Business Loan in Sydney with Bad Credit — No Roadblock Too Big

Struggling with bad credit but still need funding to grow your Sydney business? You’re not alone — and you’re not out of options.

At Efficient Capital, we understand that a credit score doesn’t define your business potential. Whether you’re a tradie, retailer, start-up, or small business owner, having bad credit doesn’t mean your dreams stop here. In fact, the right lender can help turn things around.

What Are Bad Credit Business Loans?

Bad credit business loans are financing solutions designed for business owners with poor credit history. They provide access to capital even if traditional lenders have said “no.” These loans focus more on your current business performance and less on past financial slip-ups.

Whether your credit issues stem from late payments, defaults, or limited credit history, you can still qualify for funding if you demonstrate steady income, growing sales, or valuable assets.

Why Sydney Business Owners Turn to Bad Credit Loans

Operating a business in Sydney comes with high costs and fast-moving competition. A few missed payments or unexpected setbacks can damage your credit, even if your business is on the right path now.

That’s where bad credit business loans come in. They help you:

Stabilise cash flow

Restock inventory

Cover wages or rent

Invest in new equipment

Seize a time-sensitive growth opportunity

Types of Loans Available for Bad Credit in Sydney

At Efficient Capital, we match Sydney businesses with flexible funding options, including:

✅ Unsecured Business Loans

No collateral needed — perfect for fast approvals and short-term needs.

✅ Secured Business Loans

Use assets to back the loan and unlock larger amounts or lower rates.

✅ Invoice Financing

Turn outstanding invoices into instant working capital.

✅ Merchant Cash Advances

Repay the loan through a small percentage of daily EFTPOS sales — ideal for retail or hospitality.

✅ Cash Flow Loans

Manage dips in revenue or seasonal slowdowns with short-term finance.

How to Boost Your Approval Odds with Bad Credit

Even with a poor credit score, here’s how you can increase your chances:

Show strong and consistent revenue

Offer security or a personal guarantee

Provide clear, up-to-date financials

Partner with an experienced broker who knows the right lenders

At Efficient Capital, we help you present your business in the best light — because we know what lenders are really looking for.

Why Choose Efficient Capital?

We’re more than just brokers — we’re business advocates.

🔍 Access 30+ non-bank and specialist lenders

⚡ Fast approvals, some in 24–48 hours

💬 One-on-one expert support from start to finish

💡 Tailored loan options to suit your credit profile

Whether you’ve been declined by a bank or just want a second opinion, we’re here to help you move forward.

Don’t Let Bad Credit Hold Back Your Business

Your past doesn’t have to define your future. With the right financial partner, you can unlock funding, build momentum, and take your Sydney business to the next level.

Talk to Efficient Capital today and discover your best path to funding — even with bad credit.

[digitalwork45]

How Free POS Systems Are Empowering Small Businesses in Australia

In today’s fast-moving retail and service sectors, businesses need reliable tools to manage sales, inventory, and customer interactions. A point-of-sale (POS) system plays a crucial role in simplifying these operations. However, not all businesses have the budget for premium POS software. This is where a free pos system proves to be a valuable solution for small businesses and startups looking to streamline their operations without spending a fortune.

free pos system are no longer basic or limited in functionality. Many now offer a comprehensive range of features including inventory tracking, employee management, real-time reporting, customer data storage, and more. These systems help small businesses operate professionally and efficiently, even with limited financial resources. Designed for ease of use, they often come with intuitive interfaces that require little to no technical knowledge, making them suitable for all types of users.

A major advantage of these systems is flexibility. Cloud-based platforms allow business owners to access data and manage operations remotely, whether from a tablet, smartphone, or desktop. Integration with barcode scanners, receipt printers, and payment terminals makes setup straightforward, especially for businesses that already have some hardware in place.

Choosing a free pos system in Australia provides the added benefit of localization. These systems are designed to comply with Australian tax regulations, such as GST, and are compatible with widely used payment methods like EFTPOS. For cafés, retail shops, salons, and market vendors across the country, this ensures a seamless checkout experience for both the business and its customers.

While the core features are available at no cost, many platforms offer optional upgrades. These premium features, which may include advanced analytics, multi-store management, or marketing tools, can be added as the business grows. This model allows business owners to start small and expand only when necessary, avoiding unnecessary expenses.

Security is also a key component of reputable POS platforms. Encrypted data storage, user authentication, and regular software updates help protect sensitive business and customer information. Even though the system is free, users are advised to follow cybersecurity best practices, such as backing up data regularly and using strong passwords.

[vcpphones2]

Why Choose a NBN Phone System for Your Business?

If you are an Australian business that requires a reliable phone system, it is worth considering moving to NBN-ready phones. A hosted solution will work across multiple locations with a good quality internet connection, and it is affordable.

It will enhance your communication within the office and with customers, without requiring expensive hardware or long wires. Talk to a telecommunications provider like SpinTel today to find out more.

Easy to set up

A hosted NBN phone system uses an internet connection to connect all your handsets. It is easy to set up and costs less than a traditional business landline. Moreover, it offers the same functionality as a traditional PABX system. It can be used with a variety of handsets and mobile apps.

Unlike traditional landlines, NBN phone system are more reliable. They work on a high-speed data network and provide HD voice quality. They also have a range of advanced features such as auto-attendant and video conferencing. They can even integrate with digital business tools to increase productivity.

The best NBN phone service providers will offer a wide variety of plans to suit different businesses. Choose a provider that specializes in business connections and has a dedicated support team. They will be able to offer features that are ideal for business use, such as 4G backup. They will also help you select the right hardware and software to meet your needs.

Easy to manage

As more businesses rely on remote workers, a NBN ready phone system provides flexibility for staff to work anywhere in Australia. This is made possible because most modern handsets and on-site PBX systems are already nbn-ready or can easily be switched to nbn-compatible systems by adding an ATA.

NBN-ready phone systems are also designed to be easy to manage and maintain. They usually have a central online portal that allows admins to manage almost all aspects of the system. For example, they can assign specific greetings to incoming calls and redirect them to any department. They can even set up multiple ringing patterns to ensure that all incoming calls are answered.

NBN-ready telephone systems are the best for small business owners that want to leverage NBN’s high-speed internet capabilities to make their calls cheaper and better. Moreover, they can still keep their traditional landline phone numbers which are important for branding, building familiarity, and for use in emergency situations. The initial purchase and installation costs of a hosted solution are similar to those of a traditional PABX, but recurring costs are much lower. This is because SIP phone line rental and call rates are far cheaper – up to 60% less if you choose the right provider.

Easy to expand

When it comes to a hosted nbn phone system, the amount of handsets you can add to your business is limitless (as long as you have a good data connection for each one). This means that your company can grow with your needs and the system will be easy to maintain.

However, there are some legacy services that will not be compatible with the NBN. These include EFTPOS, back to base alarms, fax and extension corded phones. These services can be transferred to an NBN business line but will have reduced functionality.

With the NBN rollout, a professional PBX phone system is now more accessible than ever. The NBN offers great bandwidth, which used to be something only large businesses could access. The NBN also has minimal upfront and installation costs and is a cost-effective way to manage calls across multiple offices. This makes the NBN an excellent choice for small businesses looking to upgrade their phone systems.

Low cost

NBN phone systems are a smart choice for small businesses, especially with high speed data services becoming affordable for smaller companies. A hosted NBN system is a solution that can be easily customised to fit your business needs and will cost you a fraction of what traditional landline networks would charge you.

Nbn phones work over a fast internet connection such as the one offered by SpinTel, which will enhance connections within your business and with customers. Many NBN plans offer home phone services bundled in as an add-on to your broadband service.

An NBN PBX system hosted over your high-speed internet connection eliminates the need for expensive hardware, long wires or on-site servers. Instead, all data and programming is hosted 'in the cloud' so your IP enabled handsets or soft-phone apps can connect to it automatically. A quality NBN service provider like SpinTel will also provide an online portal that manages most aspects of the phone system for you.

[bbtfinance]

New Fintech Startups in Finance Company Sydney

Finance company Sydney industry has a rich and diverse range of businesses. Some are long-established institutions with a global footprint, while others are new fintech startups with ambitious goals.

Zip provides payment and credit solutions like Zip Pay and Pocketbook that simplify spending, budgeting, saving, and tracking. They also offer an online e-commerce platform for retailers.

Brighte

Brighte offers a finance solution to Australian homeowners for energy-efficient upgrades, such as solar power systems and batteries. Its products and services include a buy now, pay later payment plan, a green loan program, and other finance options. It also has a marketplace where customers can find products and services from empanelled vendors.

The company recently closed a $195 million debt facility backed by green bonds. This financing is enabling Brighte to expand its financing operations, including supporting the ACT Sustainable Household Scheme and the Tasmanian EV Charger Grant scheme. The company has also simplified its pricing model, removing the application fee and fortnightly processing fees.

Waddle

Waddle offers a digital cash flow solution for small businesses that uses outstanding invoices as security. The service is more flexible than a traditional bank loan and connects to business accounting software such as Xero. It also automates many of the manual processes involved in invoice finance.

The Stream Working Capital platform allows customers like Jarrod McGrath to bridge gaps in cash flow. The application process and in-life management of the facility are fast, simple and straightforward. The company is based in Sydney, Australia and has an experienced team of entrepreneurs.

Waddle was recently acquired by Commonwealth Bank through its venture-scaling arm x15ventures. The acquisition will enable the company to accelerate its growth and deliver innovative working capital solutions.

Xinja

Xinja was Australia’s first app-based “neobank”, promising to shake up the banking industry with high interest deposit accounts targeting Millennial customers. Its popularity grew rapidly, with $200M invested in its savings accounts within months of launch.

The company then secured an ADI license, allowing it to offer transaction accounts and a Stash savings account. However, the company struggled to raise additional capital. Its directors blamed the COVID-19 pandemic and an increasingly difficult capital-raising environment for the bank’s decision to close its customer accounts, return their deposits, and hand back its licence.

Xinja’s team is made up of experts from around the world who work remotely to deliver products that help Australians take control of their money. It also offers state of the art security.

Marketlend

Marketlend is an online platform that facilitates prompt lending in a secure environment. The company offers supply chain finance, debtor finance and secured lines of credit for SMEs. It also provides investors with quality returns in a conservative secured investment regime.

Leo Tyndall, founder and CEO of Marketlend, believes that small businesses deserve access to capital that is fair and transparent. Marketlend charges a fee to process the transaction, but not an excessive amount of overhead or commissions.

The company recently closed a $1 million funding round led by Crayhill Capital Management, Jon Barlow, and Mati Szeszkowski, former head of KKR’s technology private equity practice. The money will be used to automate the platform’s systems and originate more loans.

Tyro Payments

Tyro Payments is a technology-focused and values-driven company that offers payments and value-adding business banking products to over 66,000 Australian merchants. Its solutions include credit, debit, EFTPOS card acquiring, Medicare and private health fund claiming, and unsecured business loans.

Customers can also save on fees with the country’s first least cost routing solution. They can also control who has access to their data and for how long. They can also choose to share their Tyro account details with accredited organisations for a limited time.

Tyro also provides 24/7 customer support, seamless reconciliation with integrated bank feeds into Xero and BPAY, plus intelligent notifications.

uno Home Loans

uno Home Loans offers a digital mortgage platform that lets consumers search, compare and acquire home loans from 22 brands. It also offers advice on home loan products, interest rates and credit policies. Its goal is to serve 10 percent of Australia’s mortgage customers by 2028.

The company has received multiple awards and accolades for its digital tools, including the Good Design Award. These achievements can help it attract clients who are seeking personalized and attentive financial services.

uno Home Loans has a number of strategic partnerships, including Velocity Frequent Flyer and Acacia Money. These partnerships can lead to cross-selling opportunities and expand its customer base.

[skyzernz]

Portable and Affordable

In the dynamic realm of business, having a top-tier EFTPOS terminal can be a game-changer. Meet the Ingenico Move 5000, Skyzer’s pinnacle of portable EFTPOS technology, combining excellence with affordability for small businesses. Discover why this cutting-edge device is the go-to choice for those seeking unparalleled features without compromising budget. At Skyzer, we recognise the importance…

[peblme]

2023's payment trends for small businesses

The Latest Payment Technologies

The payment trends for small businesses are rapidly evolving, and the payments landscape is becoming increasingly complex as technology advances and new payment options become available. 2023 is shaping up to be an exciting year for small business owners who want to take advantage of the latest payment technologies to drive their business. As the payments environment evolves, so must small business owners. In this article, we’ll explore some of the top payment trends for 2023 that small businesses should be aware of and investigate how they can make use of them to benefit their operations. mobile payment system

Overview of Payment Trends in 2023

As technology advances and new methods become available, the payment landscape is becoming increasingly complex and competitive. Small business owners must keep up with industry trends and incorporate new strategies into their operations to remain competitive. The main trends shaping the payments landscape in 2023 include mobile payments, contactless technology, SoftPOS platforms, cryptocurrency adoption, automated billing solutions, security measures, digital wallets, instant/real-time payments and artificial intelligence in fintech solutions.

Mobile Payments and the Rise of Contactless Technology

The rise of mobile payments has revolutionized the way people make purchases and pay bills. This trend is set to continue in 2023 as more consumers rely on their mobile devices for payment transactions. At the same time, contactless technology is becoming increasingly popular for smaller purchases such as food and drinks at coffee shops or fast-food restaurants. Small businesses should consider accepting both mobile and contactless payments to provide customers with an easy and secure purchase experience.

The SoftPOS Revolution

Traditionally, merchants have been reliant on hardware and payment devices (e.g. EFTPOS terminals) to accept payments in-store or in-person. The downside of this is that these devices usually come at an exuberant cost for the business owner. These costs include device rental fees, sign-up costs, paper receipt replacements and replacement costs for damaged or faulty devices.

This is all looking to change with the recent increase in SoftPOS (i.e. software-point-of-sale) solutions. These solutions turn existing mobile devices into point-of-sale and payment machines. With this, monthly rental fees, extra hardware costs and replacement fees are eliminated from the business owner's overheads. All they need is a phone.

To find out more about how to turn your phone into an EFTPOS terminal, contact Pebl through the instant chat at the bottom-right of this page or contact@pebl.me.

The Growing Popularity of Cryptocurrency

Cryptocurrencies are gaining traction among consumers due to their low transaction fees and secure nature. Small businesses should consider accepting cryptocurrency payments to tap into this growing market. Accepting cryptocurrency can also help small businesses stand out from the competition and attract new customers.

For More Info: mobile POS system

[richdadpoor]

Australian FinTech company profile #168 – PayNuts – TechToday

Newsletter Sed ut perspiciatis unde. Subscribe 1. Company Name: PayNuts 2. Website: http://www.paynuts.au 3. Key Staff & Titles: Geoff Branson, Managing Director (pictured) 4. Location(s): Australia and New Zealand 5. In one sentence, what does your fintech do?: PayNuts is an Australia and NZ payments service provider for small and medium businesses, offering EFTPOS and eCommerce solutions. 6.…

[dataquestdigital]

Looking for best EFTPOS machines for your small business to transfer fund from your customer? DataQuest Digital is the well popular EFTPOS machines providers in Australia offering EFTPOS machine for small businesses. Get your EFTPOS with DataQuest and increase your cash flow. For more details call us at 1300655746.

[simmyseo]

Best EFTPOS Machines for Small Businesses

EFTPOS machines have become a shopping norm and a crucial part of quality customer service. As electronic payment methods continue to develop, having an EFTPOS machine is an essential part of your business. Fortunately, the decision to get an EFTPOS machine for your small business is one of the easier ones to make.

The benefits of an EFTPOS machine are going to offer improvements to your small business dramatically. These range from more potential and happy customers to no invoices and easier accounting as you can track all your transactions. The advantages of scooping up an EFTPOS machine for your business could be the game-changer you need.

Below we offer the threeof the best EFTPOS machines types to ensure their best benefits are captured for your small business.

Mobile EFTPOS

Mobile EFTPOS machines are idealfor providing a convenient and fast payment option. If your business is on the move, has limited space or works in remote areas, then a mobile EFTPOS is the one for you.

Mobile EFTPOS machines offer boundless connectivity through SIM cards, Wi-Fi, or mobile tethering, ensuring connectivity wherever you are. The benefits of more freedom in work location, magstripe, and contactless payment for faster payment and avoiding the invoice hassle can dramatically improve the efficiency and reputation of your small business.

Countertop EFTPOS

The countertop EFTPOS machine is the go-to for most brick and mortar businesses. If your small business is in a service-related industry, then a countertop EFTPOS machine is perfect for your needs.

Countertop EFTPOS machines offer an ideal payment solution to make transactions straightforwardand provide a quality customer experience. The range in sizes and functions allows for optimal customisation for your business requirements. Maybe you want a more compact and modern terminal or need dual-face terminals to ensure fast and secure transactions. Dual-face terminals give both the merchant and customer separate actions to provide a quickerprocessing system.

The flexibility and functionality of countertop EFTPOS machines are perfect if your small business is looking for reliability and efficiency in your service.

Short-Term Rent EFTPOS

Finally,the short-term rent EFTPOS option allows your small business to have all the mentioned benefits of mobile EFTPOS machines but without the same cost. Short-term rent is a perfect option if you need a mobile EFTPOS for a day, week, month or longer.

A short-term rent EFTPOS is perfect for those peak sale seasons, events, pop-up stalls, or one-off solutions. Whatever your need is, a mobile EFTPOS machine can ensure you are prepared for giving the best customer experience, no matter your location.

Our mobile EFTPOS hire steps are simple and make sure you’re on your way to getting all the benefits we have mentioned. If this option sounds like the ideal EFTPOS solution, you can book here or contact us on 0800-758-767 for more details!

Choose Rocket POS to provide the best EFTPOS solution for your small business

If one of these EFTPOS options sounds like the key ingredient you’ve been missing in your business, then contact us now, and we will make sure you are on your way to capturing all the benefits of the EFTPOS machine of choice. We provide EFTPOS solutions to small and largebusinesses all over New Zealand, so rest assured we can help make sure you make the best decision for your business.

[digitalwork45]

Modern Business Made Easy: Exploring Free POS Systems in Australia

In the fast-paced world of retail and hospitality, having the right tools to manage sales and customer service is essential. A point-of-sale (POS) system simplifies day-to-day business tasks like billing, inventory tracking, and reporting. However, investing in such software can be costly — especially for startups and small businesses. Fortunately, the rise of the free pos system is changing how business owners operate.

Unlike traditional systems that come with heavy upfront or monthly costs, free POS solutions offer essential features at no charge. These include real-time sales tracking, product management, employee logins, and customer database creation. For entrepreneurs and small shops just starting out, this means they can access the functionality they need without cutting into their limited budgets.

free pos system are typically cloud-based, allowing access from any device with an internet connection. This gives business owners the freedom to manage operations from a laptop, tablet, or smartphone — whether they're on the shop floor or working remotely. With a user-friendly interface and quick setup, these systems are designed for those with minimal technical expertise.

Opting for a free pos system in Australia comes with location-specific advantages. Many platforms are designed to handle GST calculations, generate compliant tax invoices, and integrate smoothly with Australian EFTPOS terminals. Whether you're running a caf�� in Melbourne or a boutique in Brisbane, having a POS system tailored to Australian standards helps ensure smooth operations and compliance.

Of course, while these systems are labeled as “free,” it’s important to understand the limitations. Most platforms place caps on the number of users, products, or transactions. However, these limits are typically generous enough to meet the needs of small or new businesses. When growth occurs, users can upgrade to premium plans that unlock more advanced features.

Security is another strong point. Most free POS systems offer encrypted data transmission, secure logins, and regular updates. However, business owners should still follow best practices — like regular data backups and strong password management — to further protect sensitive information.

[safe2pay]

Looking to buy mobile credit processing service? before that learn and understand what is credit card processing and how it is benefits to you business. Here we provide simple tips to choose the right mobile credit processing service for your business. Reach our expert to get more ideas at 1800723327.

[dqdigital]

EFTPOS is the easy and simplest payment method used to increase the payment flow. Now let's see some of the useful advantage of using EFTPOS machine for small business.