Business banking Products & services Accepting payments

Merchant Guide.

How to get started with your merchant facility and who to contact if you need help.

EFTPOS terminals with a hardware specification of PCI 3x must be upgraded by 30 June 2024. If your EFTPOS terminal has a hardware specification of 3x, your terminal won’t be able to process card payments after this date. Please contact your terminal provider to upgrade.

Helping you accept card payments your way.

Our merchant guide will help you understand how to set up and use your Westpac merchant facility, so that you can start accepting scheme credit and debit card payments in store, online, over the phone and in regular instalments.

You can also find out what technology you need, how to process payments, how our merchant fees work and when you’ll get paid.

As a Westpac merchant, it’s important to follow the instructions in this guide and on our Merchant Risk Hub to help protect your merchant facility and keep your business compliant with your Merchant Services Agreement. You also need to comply with the Visa, Mastercard® and UnionPay International scheme rules covered in this guide.

Additional rules may apply depending on the type of business you operate and the way you accept card payments in your business. Our team will work with you to help you understand your specific obligations.

We’re here to help.

If you can’t find the answers you need in this guide, please get in touch with our team.

Get help with your merchant facility.

In-store (card present)

How to accept card payments through an EFTPOS terminal when the cardholder is physically present in your store.

Online (card not present)

How to accept card payments through your e-commerce facility or by payment link.

Over the phone (card not present)

How to accept card payments over the phone using an EFTPOS terminal or a virtual terminal with a mail order/telephone order (MOTO) facility.

Recurring (card not present)

How to accept card payments in regular instalments from your customers.

Travel & entertainment (T&E) services and responsibilities

Find out about additional card payment services and responsibilities for travel and entertainment merchants – including guaranteed reservations, advance deposit, priority check out, cancellations and card not present receipt requirements.

Merchant risk

Find out how to help protect your business against payment disputes (also known as chargebacks) and get help understanding your Payment Card Industry Data Security Standard (PCI DSS) responsibilities.

Statements & settlements

Find out how merchant pricing works and when payments accepted through your merchant facility will be settled to your bank account.

In-store (card present) merchant guide.

Our in-store merchant guide explains how to accept credit or debit card payments through an EFTPOS terminal from cardholders who are physically present in your store or business premises. This is known as a ‘card present’ payment.

You can also find merchant guides for accepting online payments, MOTO (mail order/telephone order) payments and recurring payments.

MOTO/phone payments merchant guide (card not present).

The mail order/telephone order (MOTO) merchant guide explains how to accept credit or debit card payments through an EFTPOS terminal or a virtual terminal from cardholders who place their orders over the phone.

Because they aren’t physically present in your store or business premises, this is known as a ‘card not present’ payment.

You can find also find guides for accepting in store payments, online payments, and recurring payments.

Online merchant guide (card not present).

The online merchant guide explains how to accept credit or debit card payments through an e-commerce merchant facility on your website, app or by payment link.

Because cardholders aren’t physically present in your store or business premises, this is known as a ‘card not present’ payment.

You can find also find guides for accepting in store payments, MOTO (mail order/telephone order) payments and recurring payments.

Recurring payments merchant guide.

The recurring merchant guide explains how to deduct ongoing payments from your customers’ credit or debit cards (for subscription-based services such as gym memberships or regular payments like utility bills).

You can also find guides for accepting in store payments, MOTO (mail order/telephone order) payments and online payments.

Merchant risk.

Statements & settlements.

Travel & entertainment merchants: Additional services & responsibilities.

Get in touch.

New customers

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

Existing customers

Contact your Westpac Relationship Manager, or contact our Merchant Assist team on 0800 888 066 (option 2), weekdays between 8.30am to 5pm, or email merchant_assist@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.

Things you should know.

Westpac’s Merchant Services Agreement applies. Fees and charges, eligibility and credit criteria apply. Mastercard® is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. Westpac Get Paid® is a registered trademark of Westpac Banking Corporation.

This guide is provided by Westpac to support our customers with some of the transaction processing requirements that apply, but it does not cover all obligations that may apply to your business. Westpac does not warrant the accuracy, adequacy or completeness of this guide for your business.