EFTPOS
A fixed terminal for accepting payments over the counter.^ Payments settled to a BNZ account are available as soon as they’re processed.
Accepting payments
Whether you want to take customers’ payments in store, on the go, or online, BNZ Pay offers a range of payment solutions to suit your business.
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In-store payments
For businesses with a fixed location, such as a shop, office, or counter. Our in-store terminals can accept credit and debit cards, contactless transactions, and digital wallets.
More about EFTPOS
Portable EFTPOS
A wireless EFTPOS terminal that lets you take payments anywhere. There are no fixed-term contracts or monthly connection fees.
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.
On-the-go payments
Accept payments at markets, events, or wherever your business takes you.
Mobile
Use your compatible phone or tablet to accept contactless card and digital wallet payments. You only pay when you use it, making it a flexible, low-cost solution.
Portable EFTPOS
A wireless EFTPOS terminal for taking credit and debit card, contactless, and digital wallet payments. Compatible with Wi-Fi, mobile network connectivity, and offline mode.
Online payments
Accept payments through your website, payment links, invoices, or a virtual terminal. Add CurrencySelect to let customers pay in their local currency, and Multi-Currency Settlement to receive qualifying payments into a foreign currency account. BNZ Pay Online gives you flexible ways to accept payments and grow your business.
QR code payments with Payap
Give customers more ways to pay by adding Payap to your EFTPOS terminal or online store checkout.^ Customers simply scan a QR code and pay directly from their bank account.
You can request Payap alongside other payment solutions through a single merchant facility application.
Other open banking options
You can also accept online payments directly from your customers’ bank accounts through API-connected providers. BlinkPay can integrate with supported accounting software and invoice payments.^
For a full list of Consumer Data Right (CDR) participants, including accredited payment providers, visit the Ministry of Business, Innovation & Employment website.
Fees and surcharges
Merchant service fees
You’ll be charged a merchant service fee to cover the cost of accepting contactless and credit card transactions processed through your merchant facility.
Interchange reimbursement fees
Visa and Mastercard set these fees, which form part of your merchant service fee when accepting card payments. The amount can vary depending on factors such as the card type used and how the payment is processed.
Surcharges
A surcharge is a fee you can charge your customers to help cover your merchant service fees. Surcharging is subject to certain terms and conditions.
Not sure what’s right for your business?
Compare your options, or talk to our specialist team to find the right setup for your business. Contact us by:
- calling 0800 737 774 Mon-Fri, 8.30am-5pm (except public holidays)
- emailing bnz_merchantpayments@bnz.co.nz
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 is a registered trade mark of Mastercard International Incorporated.
Visa is a trademark owned by Visa International Service Association and used under license.
Apple, the Apple logo, Apple Pay, Apple Watch, iPad, iPhone, iTunes, Mac, Safari and Touch ID are trade marks of Apple Inc., registered in the U.S. and other countries.
Google Pay and Android are registered trademarks of Google LLC.
References to third party websites are provided for your convenience only. BNZ accepts no responsibility for the availability or content of such websites.
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