Smart Mini

User Guide
Contents
Smart Mini explained2

Smart Mini reader3

Get to know your reader 3

Getting started 3

Parts and accessories  4

Supported devices 4

Charging the battery 5

Smart Mini app6

First time log in 6

Pairing6

Taking a payment 7

Adding a payment description 8

Tipping8

Viewing transaction surcharge 9

Re-issuing a receipt 9

Refunds10

Settings12

Smart Mini Hub13

First time log in 13

Home13

Mobile users 14

Readers16

Transactions17

Settings17

Admin18

Troubleshooting & Support21

1 Commonwealth Bank of Australia | Smart Mini User Guide

Smart Mini explained
Smart Mini is a payment solution that allows businesses to take payments on the go or as a
countertop solution.

It is comprised of a Smart Mini reader, a Smart Mini application and a Smart Mini Hub.

Smart Mini reader Smart Mini app Smart Mini Hub

Accept payments with the Take payments, issue refunds View transactions, manage
Smart Mini reader. and add optional tips and users and features via the
surcharges via the Smart Smart Mini Hub.
Mini app.

2 Commonwealth Bank of Australia | Smart Mini User Guide

Smart Mini reader
Get to know your reader

Getting started
1 Charge your Smart Mini reader

Connect the provided USB cable to the charging port.

NOTE: you can continue setting up your reader while it’s charging.

2 Download the app

Using the Google Play™ or Apple App Store on your phone/tablet, search Smart Mini to download
the Smart Mini app.

3 First time log in

In the Smart Mini app, enter your user ID and temporary PIN which you would have received via
email. Follow the prompts to request an activation code to reset your pin for future logins.

4 Pair your Smart Mini reader to your device

Ensure Bluetooth is turned on your phone/tablet. Turn your reader on by pressing the On button for
two seconds. Select Connect reader on the Smart Mini app home screen. Scan the serial number
located on the back of your reader.

3 Commonwealth Bank of Australia | Smart Mini User Guide

Smart Mini reader
Parts and accessories

Smart Mini reader USB Micro B charging cable

NOTE: USB wall adaptor is not provided

Decal sticker Smart Mini dock (optional)

X3391 311022

Supported devices
• Most Android and iOS mobile or tablet devices support your Smart Mini reader and Smart
Mini app, provided they are running at least one of the 3 latest versions of iOS or Android
operating systems (OS)
• To check your device’s OS, go to:
– iOS: Settings > General > About > Software Version
– Android: Settings > About Phone > Software Information
• Please regularly update your device’s OS to ensure it remains compatible with future versions
of the Smart Mini app
• You will also need cellular (5G/4G/3G) or Wi-Fi connectivity on your device to access the
Smart Mini app.

4 Commonwealth Bank of Australia | Smart Mini User Guide

Smart Mini reader
Charging the battery

There are two ways to check the battery of your Smart Mini reader:

Option 1: T
 urn your reader on by pressing the on button until you hear a sound. Once the device
is on, lightly press the power button to reveal the lights on the reader (four white LED
lights indicates the reader is fully charged).

Option 2: Whilst your reader is paired to your mobile device, on your Smart Mini app navigate to
the Settings tab and select Reader settings to view battery percentage.

There are two ways to charge your Smart Mini reader:

Charge using USB adaptor

1. Insert reader provided USB charging cable into plug adapter
2. Insert USB adapter into wall socket
3. Connect the USB charging cable with the reader charging port
4. When charging, a white LED light will flash.
Charge using the Smart Mini dock (optional)
1. Insert dock provided USB charging cable into plug adapter
2. Insert USB adapter into wall socket
3. Connect the USB-C end to the port found beneath the dock
4. When charging, a white LED light will flash.

NOTE: You can use your reader while it’s charging. It takes around 2 hours to fully charge the
reader if not in use.

If you leave the Smart Mini turned off for extended periods of time, it can lose charge and even
stop working altogether. It is recommended that you turn on the Smart Mini and charge it at least
every 30 days.

5 Commonwealth Bank of Australia | Smart Mini User Guide

Smart Mini app
First time log in
1. Download the app from the Google Play™ or Apple App Store by
searching Smart Mini
2. Open the app, enter your User ID and temporary PIN that was
emailed to you from noreply@smartmini.commbank.com.au
3. Read and accept the Licence Agreement
4. Click on Request code to receive a text message to your
registered mobile number with your Activation code – enter the
Activation code (activation code only valid for 30 minutes)
5. Update your PIN to a new 6-digit PIN. This will be used each
time you log in to the app.
6. You will be prompted to grant permission to the app to use
Bluetooth so that your phone/tablet can connect to the reader.
Allow by selecting OK.

Pairing
1. Turn on Bluetooth on your phone/tablet via Disconnected Connected
device settings
2. Ensure your reader is charged by connecting
it to the charging dock or directly with the
USB Micro B charging cable provided
3. Turn your reader on by holding down the
power button. A sound should play when it is
successfully turned on and off.
NOTE: Turn your reader on before launching
the Smart Mini app.
4. Launch the Smart Mini app and select Connect
reader to pair your reader to your device.
NOTE: Alternatively, Settings > Reader
settings > Connect reader
5. You will be prompted to grant permission for
the app to access the camera and location.
Allow by selecting OK.
6. Scan the barcode located on the back of
your reader
NOTE: Pairing for the first time may take up to
5 minutes.
7. A successful pairing will show a white stable
LED light on your reader and the payment tab
on your app screen.
NOTE: An error message will show if
your Smart Mini reader is disconnected.
6 Commonwealth Bank of Australia | Smart Mini User Guide
Smart Mini app
Taking a payment
1. Ensure your reader is paired to your mobile
device
2. Select Take payment and enter the amount.
Select Add note if you wish to add a
payment description.
3. Select Next when the payment is ready to
be taken
4. Review payment and select Confirm
5. Present your mobile device to the customer
to show payment amount
6. Prompt the customer to present their card
or device to the reader and hold until they
hear a beep
7. If a card is inserted, the device will prompt
to remove the card from the chip card slot
8. If the customer requires a receipt, there
are two digital receipt options (email or QR
code).
• Email: Enter the customer’s details and
select Send.
• QR code: Select QR Receipt and present
your mobile device to the customer for
them to scan.
9. A success screen will show when the
payment has been successfully processed.
You may select View in sales history or
Next payment.

7 Commonwealth Bank of Australia | Smart Mini User Guide

Smart Mini app
Adding a payment description
• You can add a description of up to 50
characters to your transactions, to be
recorded within your transaction history
• To add a description, select Add note after
entering the transaction amount.

Tipping
• Tipping offers your customers the option
of adding a tip to their purchase
• When presenting customers with the
Payment confirmation screen, they can
select Enter tip amount
NOTE: Tipping will only be available to
the customer if it has been enabled in the
Smart Mini Hub under the Admin tab.
• This will allow a customer to enter
a manual tip amount ($ value) or a
preselected % amount
• This amount will then be added to
the total presented on the Payment
confirmation screen.

8 Commonwealth Bank of Australia | Smart Mini User Guide

Smart Mini app
Viewing transaction surcharge
To view relevant surcharge rate select
View surcharge rate within the Payment
confirmation screen.

NOTE: Surcharging will only be available to the

customer if it has been enabled in the Smart
Mini Hub under the Admin tab.

Re-issuing a receipt
Search the transaction in the History screen
using any of the below fields:

• The last 4 digits of the payment card the

customer used for the original purchase/
transaction
• The payment reference number
(Transaction ID) provided on the receipt
(if available)
• The approval code provided on the receipt
(if available).

Click on the original transaction, and select

Resend receipt. Enter the customer’s email
address for a digital copy of the receipt.

9 Commonwealth Bank of Australia | Smart Mini User Guide

Smart Mini app
Refunds
There are two ways to process refunds:
Refund from Transaction History screen
1. Navigate to the History tab of the app
2. Search for the customer’s specific
transaction by searching:
• The last 4 digits of the payment card
they used for the original purchase/
transaction
• The payment reference number
(Transaction ID) provided on
the receipt
• The approval code provided on
the receipt
3. Select the transaction
4. Select Refund payment and enter the
amount
5. Select Add note if you wish to add a refund
description then select Next
6. Enter your PIN and select Continue.
NOTE: Merchant director credentials may
be required if the refund amount exceeds
the User’s refund limit
7. Review details and select Confirm
8. The customer can proceed by tapping or
inserting the card used for original payment
to your reader and hold until they hear
a beep
9. If the customer requires a receipt, enter the
customer’s email address and select Send.
Alternatively, select Skip.
10. A success screen will show when the refund
has been successfully processed. You select
View in sales history or OK.

10 Commonwealth Bank of Australia | Smart Mini User Guide

Smart Mini app
Refund using manual input
1. Navigate to the Payment tab of the app
2. Select More options
3. Select Refund payment and enter the
amount
4. Select Add note if you wish to add a refund
description then select Next
5. Enter your PIN and select Continue.
NOTE: Merchant director credentials may
be required if the refund amount exceeds
the User’s refund limit
6. Review details and select Confirm
7. The customer can proceed by tapping or
inserting the card used for original payment
to your reader and hold until they hear
a beep
8. If the customer requires a receipt, enter the
customer’s email address and select Send.
Alternatively, select Skip.
9. A success screen will show when the refund
has been successfully processed. You select
View in sales history or OK.

11 Commonwealth Bank of Australia | Smart Mini User Guide

Smart Mini app
Settings
The setting tab enables you to view your User ID,
Terminal ID (TID) and Merchant ID (MID) as well
as alter your app preferences.

Account settings
• Enable login using biometrics (FaceID/
TouchID/Face Authentication)

NOTE TO MERCHANT DIRECTOR: If there are

multiple users sharing a personal device, please
be aware that all enrolled biometrics will be able
to access all other applications on the device
requiring biometric for login. In this scenario, you
could consider relying on only using User PIN
for login.

Reader settings:
• Check battery level
• View reader version and serial number
• Connect or disconnect reader

Legal:
• View privacy statement
• View licence agreement

Tutorial:
• Navigate the homepage and payment screen

Contact us:
• Find our contact details here

12 Commonwealth Bank of Australia | Smart Mini User Guide

Smart Mini Hub
First time log in
Activating your Smart Mini Hub account:

1. You would have received separate log

in credentials for the Smart Mini Hub
via email, these emails are sent from
noreply@smartmini.commbank.com.au
2. Using the link supplied in the email, log
in using the username and temporary
password provided
3. You will be prompted to update your
password upon logging in.

Home
Your daily business transactions snapshot at
a glance.

View your:

• Total transactions
• Settlements
• Pending statements
• Refunds

13 Commonwealth Bank of Australia | Smart Mini User Guide

Smart Mini Hub
Mobile users
Add a mobile user
Create additional user accounts for team
members (to allow for separate logins), by
following these steps:

1. Select Mobile users

2. Select Add a mobile user from the
Quicklinks on the left
3. Enter a desired Mobile user ID for app
log in
4. Enter a name or reference word to be
displayed within the app
5. Enter your team member’s mobile phone
number and email address.
NOTE: This email address will be used for
your team member to receive their user
ID and temporary PIN, mobile activation
code, and used for any future forgotten
password requests
6. Set authorisations for your team member:
• Tick the box if this mobile user is a
merchant director. If mobile user is
not merchant director, set a maximum
refund limit (eg. $100).
• Tick the box if this mobile user can
perform a refund
7. Tick the box under Reader Acceptance to
enable Flite
8. Select the MID/s (Merchant ID) where
your team member will be using the app
and reader
9. Select Submit
10. Review request and select Confirm
11. A confirmation screen will appear stating
that a new mobile user has been added.
Your team member will:
• Receive an email confirming their user
details (Mobile user ID, temporary PIN)
• Receive an activation code upon
successfully entering their user ID
and temporary PIN
NOTE: activation code is valid for
30 minutes

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Smart Mini Hub
Edit/suspend/reinstate a
mobile user
1. Select Mobile users
2. Select Mobile user summary from the
Quicklinks on the left to view all users
To edit user:
1. Select Details from the drop down next to
the intended Mobile user ID and select Go
2. Select Edit next to mobile user details to
edit Mobile user details, authorisation or
refund limits.
3. Select Submit
To suspend user:
1. Select Suspend Mobile user access from
the drop down next to the intended Mobile
user ID, and select Go
2. Select the reason from the drop down and
enter description
3. Select Submit
To reinstate user:
1. Select Reinstate Mobile user access from
the drop down next to the intended Mobile
user ID, and select Go
2. Select the reason from the drop down and
enter description
3. Select Submit

Resetting mobile user PIN for Smart Mini app

1. Select Mobile users
2. Select Mobile user summary from the Quicklinks on the left to view all users
3. Select Details from the drop down next to the intended Mobile user ID and select Go
4. Scroll to the bottom of the page and select Reset user PIN
5. Select Continue to send an activation email to the mobile user
6. A temporary PIN will be sent to the email address associated to the mobile user profile on the
Smart Mini Hub.

How many users can have administrator (merchant-director) access?

There is no limit to the number of mobile users with merchant-director access.

NOTE: To minimise the risk of fraudulent activity (i.e. unauthorised refunds), you should consider
limiting the number of mobile users with merchant-director access.

15 Commonwealth Bank of Australia | Smart Mini User Guide

Smart Mini Hub
Readers
Edit/suspend/reinstate a mobile user
View your reader summary and suspend/
reinstate your reader.

1. Select Readers
2. Select Reader summary from the
Quicklinks on the left to view all readers

To suspend reader:

1. Select Suspend reader from the drop down

next to the intended Reader serial no. and
select Go
2. Select a reason from the Reason drop
down and enter description
3. Select Submit
4. You will see a confirmation screen and have
the option to email this to yourself.
NOTE: It is recommended to keep this
confirmation for your records.

To reinstate reader:

1. Select Reinstate reader from the drop

down next to the intended Reader serial no.
and select Go
2. Select the reason from the drop down and
enter description
3. Select Submit

16 Commonwealth Bank of Australia | Smart Mini User Guide

Smart Mini Hub
Transactions
View your transaction summary.

Access sales or refunds history by entering the

transaction details. Then select Search.

Additional detail on the transaction can be

viewed by selecting ‘Details’ next to the relevant
transaction.

You have the option to export to CSV.

Settings
Change your current Smart Mini Hub password.

Enter your current password, input a new

password and then retype your new password.
This new password will be active once you
select Submit.

17 Commonwealth Bank of Australia | Smart Mini User Guide

Smart Mini Hub
Admin
Manage Web users
View, edit or suspend your existing web users
details by following these steps:

1. Select Manage a web user from the

Quicklinks on the left
2. To view or edit, select Details from the drop
down next to the intended username and
select Go
3. To suspend, select Suspend Bank user
access from the drop down next to the
intended username and select Go

Add a web user

Create additional hub accounts for team
members (to allow for separate logins), by
following these steps:

1. Select Add a web user from the Quicklinks

on the left
2. Enter the email address the user will use
to log in to the Smart Mini Hub
3. Select their role type:
• Merchant Sub Admin: perform
operations within the Smart Mini
Hub (i.e., edit company, mobile user &
reader details or manage settlements
& transactions)
• Viewer: read-only access to the Smart
Mini Hub.
4. Enter their contact information
NOTE: the user will be sent a one-time
activation code to log in to the Smart
Mini Hub
5. Select Submit
6. Review request and select Confirm
7. You should then see the user added to
the list of web users on the Manage web
users screen.
18 Commonwealth Bank of Australia | Smart Mini User Guide
Smart Mini Hub
Audit trail
Track user activity within the Smart Mini Hub by
selecting an action, the date and select Search.

Tipping
View your current tipping settings.

To configure tipping preferences:

1. Select Tipping from the Quicklinks on

the left
2. Select Edit
3. Select one or both of the check boxes
shown:
• Tick the By amount box to allow your
customers to enter a $ amount tip
• Tick the By percentage box if
you would like to pre-set various
percentage values for your customers
to select – enter up to 4 percentage
values separated by commas,
i.e. 5,10,15,20
4. Select Next and review the details carefully
5. Select OK
6. Close and relaunch the Smart Mini app for
the tipping changes to take effect

19 Commonwealth Bank of Australia | Smart Mini User Guide

Smart Mini Hub
Surcharge
View your current surcharge settings.

To set surcharging preferences:

1. Select Surcharge from the Quicklinks on

the left
2. Select Edit
3. Select relevant card scheme and then
either Enable or Disable
4. Select either of the surcharge options:
• Surcharge by amount
• Surcharge by percentage
5. Select Next
6. Review details and select Confirm.

20 Commonwealth Bank of Australia | Smart Mini User Guide

Troubleshooting & Support
Have not received Smart Mini login details
Your User ID and temporary PIN is emailed to you from noreply@smartmini.commbank.com.au.
Please ensure you check your SPAM folder.

If you still cannot locate the email, call our Merchant Helpdesk on 1800 230 177.

Have not received Smart Mini reader and/or dock

Your Smart Mini hardware is sent by Startrack Courier and should arrive within 5-7 working days.

If you still have not received it, call our Merchant Helpdesk on 1800 230 177.

Unable to pair your Smart Mini reader

If the Bluetooth connection to your reader disconnects:

1. Check that Bluetooth is still enabled in your device settings and that no other Bluetooth device
is connected
2. Check that the reader is turned on and is fully charged by lightly pressing the power button to
reveal the LED lights on the reader (four white lights indicates full battery).
3. Quit the app from your mobile device by closing the Smart Mini app
4. Re-open the Smart Mini app and proceed with re-pairing your reader.

If pairing issues persist, call our Merchant Helpdesk on 1800 230 177.

Unable to turn on Smart Mini reader

If your Smart Mini reader has been charged but still will not turn on, the internal battery may be
damaged, and the reader will need replacement.

If you leave the Smart Mini turned off for extended periods of time, it can lose charge and even stop
working altogether. It is recommended that you turn on the Smart Mini and charge it at least every
30 days.

If you still require help, call our Merchant Helpdesk on 1800 230 177.

21 Commonwealth Bank of Australia | Smart Mini User Guide

Forgotten user password/PIN
Forgotten password for Smart Mini Hub
On the Smart Mini Hub log in screen, select Forgot password. You will be prompted to enter your
user ID and email address associated with your account.

NOTE: To reset the password on behalf of a team member, you can do so via the Smart Mini
Hub. Admin > Manage web users (within Quicklinks) > Details (from the drop down) > Go >
Reset Password

Forgotten PIN for Smart Mini app

On the Smart Mini app log in screen, select Forgotten PIN? You will be prompted to enter your user
ID and email address where a temporary user PIN will be sent.

Note: To reset the PIN on behalf of a team member, you can do so via the Smart Mini Hub. Mobile
users > Mobile user summary (within Quicklinks) > Details (from the drop down) > Go > Reset user
PIN. A temporary PIN will be sent to the email address associated to the team member’s mobile
user profile on the Smart Mini Hub.

Login access to the Smart Mini App is suspended

If the account is suspended, it may be because the incorrect password has been entered too many
times.

To reset the password, the authoriser can unsuspend the Mobile User and reset the password from
the Smart Mini Hub.

If you still require help, call our Merchant Helpdesk on 1800 230 177.

The Smart Mini App logged me out

This could be as a result of:
• The Mobile User has not used the app for more than 24 hours
• The Mobile User account may have been used to log into another device
• A service restart has led to a session timeout
• The users’ phone is set to ‘Battery Optimisation’ (Android) or ‘Low Battery Mode’ (iOS), which
logs users out from open apps to help preserve the battery.

It is recommended that the user does not enable Low Power Mode or Battery Optimisation to
ensure the app is not frequently logged out.

iOS – Low Power Mode

Instructions on how to adjust the iOS Low Power Mode can be found here.

Android – Battery Optimisation

Instructions on how to adjust the Android Battery optimisation can be found here.

22 Commonwealth Bank of Australia | Smart Mini User Guide

Problem taking a payment?
Please retry processing the payment or otherwise contact Merchant Helpdesk on 1800 230 177
and quote the error message shown on screen.

Common error messages:

Error Message Cause Action

Attempt to gain a stronger
Service is currently not
Internet connection (mobile or connection and shut down the
available. Please try again later.
Wi-Fi) is not stable. app completely. Log back in
(9996)
and reattempt the action.
The bank has returned
Retry with existing card. If the
the message ‘Transaction
Transaction Failed card is still not working, try with
Failed’ when processing the
another card.
transaction
The bank has returned
Retry with existing card. If the
the message ‘Transaction
Transaction Declined card is still not working, try with
Declined ‘ when processing the
another card.
transaction
Retry with existing card. If the
card is still not working, try
An error has occurred. Please
The transaction has timed out. with another card. If problem
remove the card and try again.
persists, check the Internet
connectivity.
Ask the cardholder to try again
using the same card and hold
it against the reader until the
A contactless transaction has payment completes. If the
Please insert card instead
not been successful card is still not working, insert
the card rather than tap it.
If problem persists, try with
another card

23 Commonwealth Bank of Australia | Smart Mini User Guide

Troubleshooting & Support
Smart Mini LED indicators
LED Indication Description

No LEDs illuminated

All four LEDs are illuminated The reader is fully charged

One flashing white LED while

The reader is charging
plugged in to charging cord
One flashing white LED every
The reader is not paired
3 seconds

One stable white LED The reader is paired

One stable red LED The reader has low battery

One flashing red LED and one The Bluetooth Pairing connection
stable white LED has been cleared
One flashing red LED and one The reader has been tampered
flashing white LED and needs replacement

Caring for your Smart Mini reader and dock

It is your responsibility to care for your reader and dock as per the Merchant Agreement.
This includes, and is not limited to:

• Protecting the reader and dock from water or heat damage

• Keeping the reader and dock in a secure place when in use/not in use.

How to recycle your Smart Mini hardware

If you wish to dispose of your Smart Mini hardware, we encourage you to follow your local
council e-waste guidelines. A list of recycling centres and additional information can be found
on the DCEEW’s website:
https://www.dcceew.gov.au/environment/protection/waste/consumers/recycling-drop-off

Alternatively you can drop it off at a CommBank branch or contact the CommBank 24 hour
Merchant Helpdesk on 1800 230 177 to arrange a secure disposal.

Other issues
Please call our Merchant Helpdesk on 1800 230 177 and quote the error code shown on-screen,
as well as screenshots of the issue if possible.

24 Commonwealth Bank of Australia | Smart Mini User Guide

Troubleshooting & Support
Accessibility
VoiceOver and Talkback accessibility features are available on iOS and Android devices, and can be
easily activated for Smart Mini.

These accessibility features offer audible descriptions of what is displayed on your mobile device
screen along with changing the gestures used to control your device.

To access VoiceOver for iOS:

1. On your device, open Settings
2. Select Accessibility > VoiceOver
3. Turn VoiceOver on or off
4. Select Ok.

For further information please visit Apple Help centre:

support.apple.com/en-gb/guide/iphone/iph3e2e415f/ios

To access Talkback for Android:

1. On your device, open Settings
2. Select Accessibility > TalkBack
3. Turn TalkBack on or off
4. Select Ok.

For further information please visit Android Help Centre:

support.google.com/accessibility/android/answer/6006564?hl=en&ref_topic=6007234

Warranty and Returns

CommBank provides a limited warranty for your Smart Mini reader.

For details on warranty and claims, visit commbank.com.au/smart-mini-warranty

Contact Us
For support, please contact the CommBank 24 hour Merchant Helpdesk on 1800 230 177.

25 Commonwealth Bank of Australia | Smart Mini User Guide

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Commonwealth Bank of Australia ABN 48 123 123 124
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