EFTPOS (pronounced /ˈɛftpɒs/ — electronic funds transfer at point of sale) is a payment system involving electronic funds transfers based on the use of debit or credit cards at terminals located at points of sale. In Australia and New Zealand it is also the brand name of a specific system used for such payments. The Australian and New Zealand systems are country specific and do not interconnect. EFTPOS technology originated in the United States in 1981 and was quickly adopted by other countries.

EFTPOS cards are embossed plastic cards to ISO/IEC 7810 ID-1 standard. Cards have an embossed bank card number complying with the ISO/IEC 7812 numbering standard.

EFTPOS technology originated in the United States in 1981 and was rolled out in 1982. Initially, a number of nationwide systems were set up, such as Interlink , which were limited to participating correspondent banking relationships. Consumers and merchants were slow to accept it, and there was minimal marketing. As a result, growth and market penetration of EFTPOS was minimal up to the turn of the century. Since 2002 the use of EFTPOS has grown significantly, and it has become the standard payment method, displacing the use of cash. Subsequently, networks facilitating the process of money transfer and payment settlement between the consumer and the merchant grew from a small number of nationwide systems to the majority of payment processing transactions. For EFTPOS, US based systems allow the use of debit cards or credit cards. Now, "prepaid" cards can also be used.