Accepting payments

Our merchant payment options let you take credit card, debit card and mobile wallet payments in store, online, or on the go.

Apply for a merchant facility Compare payment options

Taking payments in person

Eftpos payments in store

An EFTPOS terminal^ provides a fast and secure way for customers to pay you over the counter using their credit or debit card. If your EFTPOS transactions are settled to a BNZ account, you’ll be able to view and access your money as soon as it’s been processed.

More about EFTPOS

Portable payment terminals

Take payments when you’re out on the job, using a PayClip mobile terminal. It connects directly over Wi-Fi or 3G/4G mobile networks, and has an offline mode so you can take some payments when there are no networks available. No fixed contract or monthly connections fees.

More about PayClip

Take payments on your phone

BNZ Pay is an app-based payment solution that lets you take contactless payments on your Android phone or tablet. You’ll only pay when you use it, making it a low-cost payment option for seasonal or retail businesses that take payments on the go.

More about BNZ Pay

Low cost payments with Payap

Payap is a new affordable way to take payments using your existing terminal.^

Taking payments online

Online stores

We’ve partnered with BigCommerce, an all-in-one ecommerce platform, to help you design and build your own online store. Seamlessly integrate your store with our secure payment gateway and merchant facility, to take payments online.

More about online stores

Ecommerce payment gateways

We partner with a number of ecommerce payment gateways, to help make it quicker and easier to accept payments through your website. Contact us to help find the solution that suits your business.

Enquire about payment gateways

Foreign currency payments

You can sell online in up to 12 foreign currencies and receive these payments in New Zealand dollars. You can also choose to receive payments in up to four foreign currencies, with no currency conversion.

Accepting foreign currency payments

Online payments direct from customer accounts

Using our open banking API technology, you can receive payments securely and directly from your customers’ bank accounts, through one of our available API-connected parties.

BlinkPay

With BlinkPay you can integrate supported accounting software with invoice payments, to help customers pay you direct from their bank account. BlinkPay offers bank-to-bank payments and ecommerce payments solutions.^

Visit blinkpay.co.nz

Other API-connected parties

To find out more about integrating your online store with one of our other available API-connected parties, contact:

Fees and surcharges

Merchant service fees

To cover the cost of accepting contactless and credit card transactions that are processed through your merchant facility, you will be charged a merchant service fee.

More about merchant service fees

Surcharges

A surcharge is a fee charged by the merchant to their customer to cover the cost of their merchant service fees.

More about surcharging

Flexible lending for merchants

We’ve designed the Merchant Flexi Loan to help small business merchants. Repayments are flexible and adjust with your business sales. This gives you more control over your cash flow. You may be able to borrow up to $50,000.

Our merchant service team

Our merchant solutions specialists can chat through your options, and help to set up the merchant payment facility that best suits your business. Contact us by: