EFTPOS (pronounced ) — electronic funds transfer at point of sale — is an electronic payment system involving electronic funds transfers based on the use of payment cards, such as debit or credit cards, at payment 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.