Compare merchant payment options

Explore the features, benefits, rates, and fees of our merchant payment facilities and choose the solution that best meets your business needs.

Apply for a merchant facility

In-person payment options

EFTPOS

BNZ Pay Portable EFTPOS

BNZ Pay Mobile

Features and benefits

*To use Alipay+, you’ll need to have a compatible Verifone terminal and agree to Verifone’s terms and conditions.

^Not available as part of the standard offering. You can add these features after you’re set up as they’re available for enablement, by calling 0800 729 254 for BNZ Pay Portable EFTPOS, or 0800 737 774 for BNZ Pay Mobile.

**To use Payap, you’ll need to have a compatible terminal model and agree to Centrapay’s terms and conditions. Check if your terminal model is compatible at centrapay.com

Rates and fees

Online payment options

BNZ Pay Online

Accept secure online payments through your website, invoices, payment links, or over the phone.

Best suited for:

  • new or established businesses selling products or services online
  • merchants that don’t currently have a relationship with a payment gateway provider
  • businesses looking for flexible payment options.

Features

  • Secure payment gateway
  • Flexible integration options for websites, including hosted payment pages and APIs
  • Card tokenisation and 3D Secure protection against card fraud
  • Visa, Mastercard, and Amercian Express accepted^
  • Same day settlement^
  • Supports recurring and one-off payments
  • Works with CurrencySelect and Multi-Currency Settlement for foreign currency payments
  • Reporting and transaction insights

Rates and fees

Merchant service fees:

  • 1.50% for domestic Visa and Mastercard cards
  • 3.20% for international Visa and Mastercard cards

BNZ Pay Online gateway transaction fee:

  • $0.20 per transaction

View BNZ Pay Online pricing

Payment gateways

We partner with a number of ecommerce payment gateway providers to help you accept payments securely through your website, invoices, or via payment links.

Best suited for:

  • merchants that have an established relationship with a payment gateway provider.


Features

  • Integrated with a wide range of certified payment gateways
  • Card tokenisation and 3D Secure protection against card fraud
  • Visa, Mastercard, and Amercian Express accepted^
  • Same day or overnight settlement depending on the payment gateway
  • Enable CurrencySelect and Multi Currency Settlement for foreign currency payments
  • 24/7 real-time processing

Rates and fees

  • $150 application fee (one off)
  • Third party processing costs paid to your chosen payment gateway

Merchant service fees: 

  • 1.50% for domestic Visa and Mastercard cards
  • 3.20% for international Visa and Mastercard cards

Merchant help and support

Call our support team on 0800 737 774

  • BNZ help desk - Available Mon-Fri, 8.30am-5pm.
  • BNZ Pay Mobile (Quest) service desk - Available Mon-Fri, 9am-7pm (NZST),  weekends and public holidays, 10am-5pm (NZST).

Call the BNZ Pay Portable EFTPOS team on 0800 729 254

  • General queries - Available Mon-Fri, 8.30am-5pm.
  • Technical or functional support - Available at all times.

Eligibility criteria, terms and conditions, and fees apply. Merchant services facilities are subject to BNZ’s Merchant Agreement (PDF 209KB) and Merchant Service Guide (PDF 1MB). Rates and fees are subject to change.

Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

Visa is a trademark owned by Visa International Service Association and used under license.

Apple Pay is a trade mark of Apple Inc., registered in the U.S. and other countries.

Google Pay and Android are registered trade marks of Google LLC.

Eftpos New Zealand Limited (Eftpos NZ) is not a related company of Bank of New Zealand. BNZ makes no representation about Eftpos NZ or its products or services. Any statements on this page relate only to parts of the payments process within BNZ’s control.

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