Help & Support


Merchant card settlements

Card payments settled to a BNZ account

If your merchant transactions are settled to a BNZ account, you’ll be able to view and access your money as soon as it has been processed. You’ll have your day’s payment amounts in your BNZ account around 11pm every day – 7 days a week, 365 days a year.

Merchant transactions processed through the BNZ Pay app or BigCommerce before midnight, will settle into your BNZ account around 11pm the following evening.

Card payments settled to another bank

If your merchant transactions are processed at BNZ and settled into an account at another bank, your payments will be sent to your bank around 11pm every day – 7 days a week, 365 days a year. The other bank determines when you can view the payment and access the funds.

Things to be aware of

  • We’ll process both payments and refunds to your account, so if your card refunds are more than your card sales in one day, your account balance will reduce.
  • Our normal checks for fraudulent transactions will still apply, which means we retain the right to withhold funds if fraud is suspected.

If you have any questions, call us on 0800 737 774.