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Accept card and device payments

Our merchant solutions, along with your EFTPOS terminal, enable you to accept credit card, debit card and mobile device transactions and keep the cash flowing in your business.

Need to know

To have merchant facilities with ANZ, you must settle your funds into an ANZ bank account.


Most common cards accepted

We can enable you to accept payments from Visa, Mastercard and UnionPay credit cards, debit and EFTPOS cards, and mobile wallets (devices).

Accept contactless card and device payments

Fast, easy and secure - the card or device never leaves your customers' hand. They simply hold their card or device near the contactless terminal for a moment to make the transaction (PIN may be required for high value purchases).

Customer Preferred Currency (CPC)

Let your overseas customers choose to pay in NZ dollars or their home currency, when paying with Visa or Mastercard. You will receive a rebate in NZD for every CPC transaction that is processed.

Your choice of network and terminals

Purchase or lease terminals through EFTPOS New Zealand or another supplier.

  • Accept payments anywhere with a mobile terminal.
  • Choose a one or two-piece terminal to suit your countertop.
  • Link your terminal directly to your point of sale system or cash register.

Contact our Merchant Business Solutions team

Contact us online

Fill in our enquiry form and we'll get back to you.

Contact us

Call us

Monday to Friday, 8.30am - 5pm

0800 473 453

Guides, terms and conditions

ANZ Merchant Agreement Terms and Conditions

These terms and conditions are part of your agreement with us, governing the provision of merchant facilities to you. Read them carefully and keep them for future reference.

ANZ Merchant Agreement Terms and Conditions (PDF 272KB)

ANZ Merchant Agreement Debit Terms and Conditions (PDF 292KB)

ANZ Merchant Operating Guide

Read this guide to become familiar with the operation of your merchant facilities and the acceptance of debit cards and Visa, Mastercard and UnionPay credit cards. We recommend that you and your staff read this guide thoroughly and keep it handy for future reference.

This guide forms part of your agreement with us for supplying merchant facilities. It may be varied or replaced by us from time to time. Terms defined in the ANZ Merchant Agreement Terms and Conditions have the same meaning when used in this guide.

ANZ Merchant Operating Guide (PDF 1.01MB)

ANZ Fraud Minimisation Guide

A practical guide to help you protect your business and your customers from potential card fraud.

ANZ Fraud Minimisation Guide (PDF 95KB)

ANZ Merchant Interchange Reimbursement fees

Interchange Reimbursement Fees can be found on the Business rates, fees and agreements page.

Reseller Referral Form

Terminal resellers can use this form to request debit and/or Visa, Mastercard and UnionPay credit card merchant facilities for the reseller's customers. 

We can only provide these facilities to merchants using terminals or online payment gateways certified by Payments New Zealand and the EFTPOS New Zealand and/or Paymark network.

We also require all new merchant customers to have an ANZ bank account to settle the funds in to.

ANZ Reseller Referral Form for Merchant Facilities (PDF 204KB)

Related products 

Contactless payments

Good for your customers, good for your business. Contactless payments are a fast and easy way to pay that more and more Kiwis are choosing every day.

Contactless payments 

ANZ FastPay for mobile payments

Our mobile payment solution that lets you accept EFTPOS, Visa and Mastercard payments on the go.

ANZ FastPay 

ANZ eGateTM for online or phone and mail order payments

Use one of our ANZ eGateTM solutions to accept Visa and Mastercard payments online or for phone and mail orders.

ANZ eGateTM 

Any supplier specified above (including EFTPOS New Zealand Limited ("ENZ") is not a related company of ANZ Bank New Zealand Limited ("ANZ"). ANZ does not warrant the quality of goods and/or services provided by them or their suitability for your particular circumstances.

ANZ FastPay is only available to approved merchants who meet ANZ's credit approval criteria. ANZ FastPay transactions must be settled into an ANZ Business Account. Eligibility criteria and fees apply. FastPay terms and conditions apply. Use of ANZ FastPay requires a compatible device and a cellular or wireless internet connection.

A Merchant Service Fee applies to all Visa, Mastercard and UnionPay credit and debit card transactions processed including CPC. A rebate of a portion of MSF is applied to all CPC transactions where the cardholder chooses to pay in their billing currency.