BNZ PayClip

PayClip is a portable terminal that lets you accept card payments anywhere. No fixed contract or monthly connections fees, and 24/7 technical support is available if you need it.

Apply online

PayClip benefits and features

Smart and simple

A standalone terminal means no separate apps, passwords, or pairing with your phone to take payments. 

Take payments from anywhere

Connect your terminal directly over Wi-Fi or 3G/4G mobile networks. Offline mode lets you take some payments when there are no networks available. 

Accept more payments

Accept all New Zealand Eftpos, Visa, Mastercard, American Express and UnionPay cards. Contactless enabled means you can also accept Apple Pay and Google Pay. Plus you can update your PayClip software to accept Payap.

Pricing: monthly fixed fees

Pricing: one-off terminal fees

Merchant service fee - Interchange Plus

With Interchange Plus you pay the exact interchange fee based on the card type or how the payment was made. A fixed margin is then added to cover scheme fees, transaction fees, and the acquirer’s margin.

Interchange Plus pricing

Interchange Plus provides greater transparency of your merchant service fees. With Interchange Plus pricing, your merchant service fee is made up of two components.

1. The actual interchange fee associated with each transaction​. The actual interchange fee will vary depending on several factors, including the card type used, who issued the card, and how it's processed.
2. A fixed margin (known as the “plus” or “+”) to cover other processing costs​, such as scheme fees, third party transaction fees and an acquirer margin.
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.​

Merchant service fees apply to the total monthly net sales (i.e. sales less refunds).​

Eligibility criteria and terms and conditions apply​.
Understanding merchant service fees

Apply for our PayClip standard offering

To help you start taking payments as quickly as possible, our standard offering is equipped with all the essential features you need. You’ll need a BNZ account for settlements. This can be an existing account or you can set one up when you apply.

Apply online

Features

Our standard offering for PayClip includes:

  • contactless payments
  • Eftpos cards
  • Visa, Mastercard, American Express and UnionPay International credit and debit cards
  • Apple Pay and Google Pay™
  • card swipes and inserts
  • tipping
  • cash out
  • matched refunds
  • Payap.^

Pricing

You’ll pay the monthly fixed fee for your PayClip, plus merchant service fees.

For Visa and Mastercard you’ll pay merchant service fees under the Interchange Plus pricing method. 

American Express standard offering pricing:

  • Fixed 1.15% for domestic cards
  • Fixed 2.15% for international cards

UnionPay International standard offering pricing:

  • Fixed 1.00%

Payap standard offering pricing:

  • 0.39% of the value of net sales

Additional features available

The standard offering doesn’t include:

  • surcharging
  • card not present transactions
  • settling to a non-BNZ account.

You can add these features after you’ve received your PayClip by  calling 0800 729 254.