I take it that ETPOS stands for electronic transfer point of sale or something like that. We call it Interac or Direct Payment here. It's very popular and all but the very smallest of business have it. (At our Taekwondo club we still have to pay for our membership by cheque/cash, for example.)

Question to US'ns: I've heard that direct payment didn't really take off in the US. True or false? Do you personally use cash a lot? I'm all about Direct Payment. (Forgive the younger-brother-like grammar there; it fit.) Then (as long as you have money in the bank account) you never find yourself with not quite enough cash for all your groceries or whatever.

However, I have a related makes-my-teeth-itch thing: People tend to say "Interact". Notice that above, I spelled it as it is spelled on the cards - NO "T" at the end!!!!!!!!!!! None, not even a little one!!!!!!!!! ARGH!!!!!!!!!