Restaurant payments that
just work.

Both options are supported. For in-person payments you keep your existing NZ EFTPOS terminal — Smartpay, Worldline, Verifone or Windcave — and SmakSpace doesn't surcharge you for using it. For online and QR payments through the customer ordering page, SmakSpace processes via your own Stripe, Windcave or PayPal account.

Yes. Online payments use a PCI-DSS-compliant hosted checkout — the card details never touch SmakSpace's servers, they go directly to the payment processor (Stripe, Windcave, PayPal). In-person cards never touch SmakSpace at all — your EFTPOS terminal operates independently, so those transactions stay entirely within the scope of your existing acquirer.

Yes, if you take online payments through Stripe. Stripe's checkout shows Apple Pay (iPhone Safari) and Google Pay (Android Chrome) next to card entry, as long as they're switched on in your Stripe account. If you use Windcave, the payment page takes cards only for now.

Refunds are issued from the order screen in SmakSpace. For card payments processed through SmakSpace, the refund returns to the original card via the payment processor (typically 3-5 business days). For payments taken on your EFTPOS terminal, you process the refund on the terminal itself and mark the order refunded in SmakSpace — the two are not linked, so the SmakSpace record is a manual step.

Each order records the payment method it was taken with, so daily reporting, GST reporting and Xero export carry it through. Note that for orders settled at the counter the method is whatever the order was created with, so treat it as indicative rather than a reconciled cash-vs-card split. In-store EFTPOS runs on your own terminal alongside SmakSpace and settles through your provider.

No transaction fee from SmakSpace itself. The only per-transaction cost is the underlying payment processor (Stripe charges 2.7% + NZ$0.30 per online card transaction at standard NZ rates as of May 2026 — confirm current rates with Stripe). Your EFTPOS terminal fees are paid to your acquiring bank or Smartpay / Worldline — SmakSpace doesn't intermediate those.