More ways to get paid
Accept payments through your website, payment links, invoices, or a virtual terminal. Whether you use a shopping cart platform^, hosted payment page, or custom-built website, BNZ Pay Online offers flexible integration options.
Accepting payments online
Whether you’re selling through a website, sending invoices or payment links, or taking payments over the phone, BNZ Pay Online makes it easy to accept online payments.
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Features and benefits of BNZ Pay Online
Accept online payments your way with BNZ Pay Online. You’ll get a secure payment gateway with payments settled through your BNZ account.
Trusted payment methods
Built with security in mind
Protect your business and your customers with advanced payment security features. BNZ Pay Online supports 3D Secure authentication and card tokenisation, helping reduce fraud risk.
Sell to customers around the world
Expand your reach by accepting payments from overseas customers. CurrencySelect lets your customers pay with Visa and Mastercard in 12 foreign currencies, while you receive payment in New Zealand dollars through automatic currency conversion.
You can also add Multi-Currency Settlement to receive payments in four foreign currencies^ directly to your corresponding BNZ foreign currency account.^
Merchant service fee - fixed pricing
With fixed pricing, you pay a set merchant service fee based on the payment type, whether the card was issued in New Zealand (domestic) or overseas (international), and whether Multi-Currency Settlement applies. The fee is calculated as a percentage of each transaction, giving you greater certainty about the cost of accepting card payments.
The above pricing applies for merchants who settle all transactions to a BNZ business account. A premium of 0.45% applies for merchants who settle transactions to non-BNZ business accounts.
Fixed pricing is available to eligible businesses with an average transaction size of $20 or more per month. If your average transaction size is less than $20 per month, or later falls below $20 per month, we may offer or transfer you to a different pricing plan, such as Interchange Plus.
Understanding merchant service fees
Fixed pricing is available to eligible businesses with an average transaction size of $20 or more per month. If your average transaction size is less than $20 per month, or later falls below $20 per month, we may offer or transfer you to a different pricing plan, such as Interchange Plus.
BNZ Pay Online gateway transaction fee
You’ll pay $0.20 per transaction with BNZ Pay Online. It includes, but isn’t limited to, approved, declined, authenticated (via 3D secure), and tokenised transactions.
How to apply for BNZ Pay Online
1. Complete the application
Let us know a few details about you and your business. Select BNZ Pay Online and any other merchant payment solutions you’re interested in.
2. We’ll get in touch
We’ll assess your application and eligibility, and confirm whether BNZ Pay Online is the right solution for your business.
3. Start taking payments
Once approved, you can start accepting online payments through payment links, your website, or invoices.
If you already have a payment gateway
We can provide the merchant facility you need to accept card payments online. Funds are settled directly into your BNZ account, letting you keep your existing gateway while benefiting from our merchant services.
Our merchant facility works with a range of approved payment gateway providers, including Paystation, Paymark, Datacom, Verifone, and Cybersource.
Help and support
For more information about BNZ Pay Online, you can contact our merchant solution specialists by:
- calling 0800 737 774 Mon-Fri, 8.30am-5pm (except public holidays)
- emailing bnz_merchantpayments@bnz.co.nz
- requesting a call back.
Eligibility criteria, terms and conditions, and fees apply. BNZ Pay Online facilities are subject to BNZ Pay Online Terms and Conditions (PDF 65KB), 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 Pay is a trademark of Apple Inc., registered in the US and other countries.
Google Pay is a trademark of Google LLC.
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