Accepting cards via a terminal

Ready for your business to accept EFTPOS and credit card payments on an EFTPOS terminal?

You can process payments face-to-face, or by manually keying the card details into your terminal, even when your customers aren't there in front of you (this is called MOTO – where the cardholder orders goods or services by telephone or mail).

Your business could benefit from:

  • a fast and convenient way to accept payments from customers
  • the ability to accept credit and debit transactions
  • the ability to accept payments either face-to-face or via MOTO
  • help desk support, available 24 hours a day, 7 days a week
  • timely electronic settlement to your account
  • the ability to view EFTPOS transaction information online using Paymark™ Transtrack
  • access to subscription-based Paymark™ Market Reporting, to see how your business is performing against your local market.
Your options

Depending on your needs, Westpac can provide the following:


Some benefits to having EFTPOS payments available in your business:

  • Allows you to accept Debit cards.
  • Reduces the risk of fraud with assured payments and 24/7 availability of service.
  • Improves cash flow for the business with funds credited into your account the same day.
  • Reduces transaction time and provides convenience to your customers.

EFTPOS and credit cards

Allows you to accept debit cards along with Scheme credit / debit cards. Westpac offers:

  • The ability to accept payments face-to-face with your customers, and as "card not present" – when your customer is not there with their card at the time the payment needs to be made.
  • Standalone and mobile EFTPOS terminal rental.
  • Contactless acceptance.

If you're a member of one of our selected Industry Associations, we can save you money on your credit card processing with special banking deals.  Find out more about Westpac's Association packages.

EFTPOS and credit cards with contactless acceptance

Contactless is a payment feature allowing cardholders to pay for purchases by simply holding their card close to the card reader on the contactless terminal, without needing to swipe the card or select an account. Purchases in New Zealand of under $80 will not require a PIN or a signature on a receipt.

Cards capable of making contactless payments will either say Mastercard®PayPass™ or Visa payWave on the front.

Contactless cards contain embedded secure antennae that safely transmit information to and from contactless terminals. It’s like paying with the exact amount needed without handing over a card, which makes purchases of under $80 fast, simple and convenient.

Westpac Verifone Terminal Solutions

Westpac and Verifone have partnered to bring Westpac customers the best terminal solutions on the market. Find out more.

UnionPay Card Acceptance

Union Pay International (Union Pay) has the world's largest cardholder base and is now widely accepted in New Zealand. Union Pay card acceptance may give your business the opportunity to grow by accepting payment from this expanding group of overseas customers.

Westpac and UnionPay are pleased to announce that UnionPay Credit Card acceptance here. Click here for more information.  

Westpac Currency Choice (WCC) - Returning Soon

WCC is a point of sale service that gives international cardholders the choice of paying for goods or services in either New Zealand Dollars or the home currency of their Visa or Mastercard.

We are currently working on the delivery of an improved, fully digital and compliant Westpac Currency Choice solution that will provide a better experience for you and your customers.

The date the new solution becomes available will be published here.

Contactless payments

Contactless payments: are they safe?

Making a contactless payment is just as secure as making a payment by dipping or swiping a card, and you will find that some of your customers prefer it as the card never leaves their possession during the transaction.

To make a purchase, the transaction must first be initiated on the terminal then the card needs to be held within 4cm of the contactless card reader on the terminal. There’s no need to fear multiple payments, even if your customer unintentionally taps their card twice.

As long as your customers have complied with their Credit Card Conditions of Use applicable to their card, if the unlikely happens and an unauthorised transaction does occur they are protected by Mastercard’s Zero Liability policy or Visa’s Zero Liability policy.


  • You will need to ensure that you have a contactless-capable Eftpos device - speak to your terminal supplier regarding this.
  • Contactless payments are charged to the cardholders credit card account only. So if you process a Visa or Mastercard debit card as a contactless transaction it will incur the same MSF fee that you are charged today for credit card transactions.


If your customers don’t want to make a contactless payment, they can still dip or swipe their card in the usual way.

More information is available on the following sites: