Business banking Accepting payments Merchant risk hub

Safely accept in-store card payments.

Keep your EFTPOS terminal secure when accepting in-store card payments to help protect your business against credit and debit card fraud.

What is an in-store payment?

In-store payments are also known as 'card present' payments. These types of payments are made in a face-to-face environment where the customer inserts, swipes or taps their credit or debit card on your EFTPOS terminal to complete the transaction.

Tips to help keep your EFTPOS terminal secure.

Tips to help prevent card fraud.

General best practice tips to help prevent card fraud

  • Reconcile your transactions daily rather than monthly.
  • Establish a policy of manager approval or peer review of bank statements to identify suspicious activity.
  • Conduct regular internal audits at random times and intervals.
  • Audit bookkeeping and accounting processes quarterly.
  • Limit employee access to sensitive data and payment systems.
  • Never process transactions on behalf of another merchant or company.
  • If you need to store cardholder data for a legal reason, make sure you meet Payment Card Industry Data Security Standards (PCI DSS) requirements.

Stolen or counterfeit cards.

Refund fraud.

Employee fraud.

Get in touch.

New customers

Call the Westpac Merchant Services team on 0800 888 066 (option 1), weekdays from 8:30am to 5pm, or email  merchant@westpac.co.nz

Existing customers

Contact your Westpac Relationship Manager, or contact our Merchant Services team on 0800 888 066 (option 2), weekdays from 8.30am to 5pm, or email merchant@westpac.co.nz

0800 888 066

  • Option 1. New or additional merchant facilities, or to change ownership of an existing facility.
  • Option 2. General enquiries on your existing merchant facility including suspicious transactions.
  • Option 3. Westpac Get Paid on-the-go or Westpac Get Paid in-store technical support.
  • Option 4. Westpac Get Paid online technical support.
  • Option 5. Terminal faults that aren't related to Westpac Get Paid.

Which card payment solution is right for my business?

Things you should know.

The information on this page is intended as a guide only. We make no warranty or representation, express or implied, regarding the accuracy of any information, statement or advice contained on this page. We recommend you seek independent advice before acting or relying on any of the information on this page. All opinions, statements and analysis expressed are based on information current at the time of writing from sources which Westpac believes to be authentic and reliable. Westpac issues no invitation to anyone to rely on this material.

Links to other sites are provided for convenience only and Westpac accepts no responsibility for the availability or content of such websites.