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Electronic Benefit Transfer
Electronic Funds Transfer at Point of Sale (EFTPOS) is an Australian and New Zealand electronic processing system for credit cards, debit cards and charge cards.
European banks and card companies as well sometimes situation "EFTPOS" as the system used for processing card transactions via terminals on points of sale, although the system is not the trademarked Australian/New Zealand variation.
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what are the factors affecting wastage and stagnation
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