Compare merchant payment options

Take a look at the features, benefits, rates, and fees for our merchant payment facilities to work out which one best suits your business.

Apply for a merchant facility

In-person payment options

EFTPOS

PayClip

BNZ Pay

Features and benefits

*BNZ merchants must have a terminal capable of generating an Alipay QR code. For a list of compatible terminal devices, please contact our Merchant Service Team.

**To use Payap, you’ll need to have a compatible terminal model and agree to Centrapay’s terms and conditions. Check if your terminal model is compatible at centrapay.com

***CurrencySelect EFTPOS is compatible on EFTPOS terminals processing through the Worldline network.

Rates and fees

* Merchant service fees vary depending on the pricing plan. Packaged, Split, and Interchange Plus pricing plans are available.

Online payment options

Ecommerce stores

We’ve partnered with BigCommerce, an all-in-one ecommerce platform, to help you design and build your online store and integrate it with our secure payment gateway and merchant facility.

Businesses best suited for

  • New or established businesses
  • Businesses wanting to set up a website and expand into online sales
  • Businesses wanting better ecommerce capabilities and reporting for financial benefits

Features

  • Customisable website designs
  • Integrated into our secure payment gateway
  • Visa and Mastercard accepted
  • Advanced marketing toolkit to attract customers and increase sales
  • Reporting and analytics platform
  • 3D Secure protection against card fraud

Rates and fees

  • $150 application fee (one off)
  • Merchant service fee pricing options with ecommerce packaged pricing starting from $5 per month
  • BigCommerce website plan

Payment gateways

We partner with a number of ecommerce payment gateways to help make it quicker and easier to manage transactions, and accept payments securely through your website.

Businesses best suited for

  • Merchants that have an established relationship with a payment gateway provider
  • Businesses wanting to charge international cardholders in their home currency

Features

  • Make purchases and refunds
  • Integrated with a wide range of certified payment gateways
  • Visa, Mastercard, and CurrencySelect accepted
  • 24/7 real-time processing
  • Same day or overnight settlement depending on the payment gateway
  • 3D Secure protection against card fraud

Rates and fees

  • $150 application fee (one off)
  • Merchant service fee pricing options with ecommerce packaged pricing starting from $5 per month
  • Third party processing costs paid to your chosen payment gateway

Merchant help and support

Call our support team on 0800 737 774

BNZ help desk - Available Mon-Fri, 8.30am-5pm.

BNZ Pay (Quest) service desk - Available Mon-Fri, 9am-7pm (NZST),  weekends and public holidays, 10am-5pm (NZST).

Subject to eligibility criteria. Terms and conditions and fees apply. Merchant services accounts are subject to BNZ’s Merchant Agreement (PDF 290KB) and Merchant Service Guide (PDF 1.1MB)

Mastercard is a registered trade mark of Mastercard International Incorporated. 

Apple Pay is a trade mark of Apple Inc., registered in the U.S. and other countries.

Google Pay and Android are registered trade marks of Google LLC.

BigCommerce is not a related company of Bank of New Zealand. BNZ makes no representation about BigCommerce, its products or service. Any statements on this page only relate to those parts of the payments process within BNZ’s control.

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