Welcome to our FAQ section, your go-to resource for finding quick solutions to common queries. If you can't find what you are after below, please send us a message or give us a call.
Yes. To comply with card network rules and regulatory obligations, EFTPOS Central is unable to provide services—including EFTPOS One, Tap on Mobile, or merchant facility access—to certain restricted business types. These include, but are not limited to:
If you're unsure whether your business qualifies, please contact us. We're happy to review your application and help determine the best way forward.
No. A trust account, such as Hnry, cannot be used. This is because the funds are held in trust by the bank and do not meet the requirements for EFTPOS One settlement.
Card payments must be settled into the same business bank account from which your merchant fees are collected. With Hnry, this setup is not possible, so a standard business bank account is required.
Yes you can find our online terminal guide here
Merchant fees are the fees charged by your merchant bank for processing card payments. These are usually applied to contactless (PayWave) and Credit Card transactions. These fees are separate from network or terminal charges.
Merchant fees vary depending on the payment type, card scheme, and the terms of your merchant agreement.
Your applicable merchant fees are set by your bank and are detailed in your merchant agreement with them.
New Zealand has two major payment processing networks: Worldline (formerly Paymark) and Verifone (sometimes called EFTPOS New Zealand). These networks make sure every transaction is handled securely and settled correctly with the banks.
Both networks charge a fee for each Terminal ID. This is a fixed cost that covers unlimited transaction volume. In return, you also get access to their reporting tools, which let you view and analyse your transaction history.
With EFTPOS One, there are no separate network fees. Everything is included in one simple monthly price. Learn More
Standard card acceptance
EFTPOS One supports EFTPOS, Visa, and Mastercard as standard, including payments made via Apple Pay and Google Pay.
Third-party issuers
Your Merchant ID with us can accept all sorts of other cards provided by third party issues and acquirers; like AMEX, MSD (WINZ), AfterPay and many others. As these providers have their own requirements, fees and onboarding methods – if you wish to accept them on your EFTPOS One terminal, you will need to reach out to them directly.
Common third-party issuers:
Afterpay Visit their website
American Express (AMEX) Visit their website
Card Link Visit their website
Farmlands Visit their website
JCB Available through AMEX
MSD (WINZ Cards) Visit their website
QCard Visit their website
Alternate payment methods (APMs)
Your EFTPOS One terminal is also compatible with other APM’s (Alternate Payment Methods). In order to accept these types of payments, you will need to get set up with them and let them know to provide configuration data to EFTPOS Central.
Alipay/WeChat Pay Visit their website
Payap (Centrapay) Visit their website
EFTPOS terminals are built with strict security features to protect sensitive financial information. A tamper event occurs when the terminal detects interference with its security systems. This may indicate an attempt to compromise the device, but in most cases it is triggered accidentally.
The most common reasons for a TAMPER or ALERT IRRUPTION message include:
Once a terminal goes into tamper mode, it cannot be used again and must be replaced to ensure security is not compromised.
AML stands for Anti-Money Laundering, and KYC stands for Know Your Customer. As a regulated payments provider, EFTPOS Central is legally required to check and verify the details of every business and its key people before services can begin. This helps protect the financial system, merchants, and customers from fraud and illegal activity.
How the process works:
All information is reviewed in line with our Privacy Policy. If we need anything extra, we will guide you through the process. Our aim is to keep the process as simple as possible while meeting the requirements of the Anti-Money Laundering and Countering Financing of Terrorism Act 2009.
View our AML/KYC guide here
If your EFTPOS terminal loses connectivity to the EFTPOS network—for example during a power cut, telecom outage, or network switch issue—you can continue to process card payments using Electronic Offline Vouchers (EOV).
How EOV works:
Transaction limits:
Verifone Network
Worldline Network
Transactions not supported in EOV mode:
Keeping your terminal updated with the latest software and hardware requirements helps avoid data loss when using offline mode.
PCI compliance refers to the Payment Card Industry Data Security Standard (PCI DSS), which is designed to protect cardholder data and reduce the risk of fraud.
As an EFTPOS Central customer, PCI compliance for your EFTPOS terminal is managed on your behalf. EFTPOS Central ensures you are always trading on a PCI-compliant EFTPOS terminal, with the required security standards in place, so you can accept card payments with confidence.
A Merchant Number, also called a Merchant ID (MID), is a unique code given to your business when you set up a merchant facility. It acts as an identifier in the payments system so that every transaction is linked to your business correctly.
The MID is essential for two reasons:
Without a Merchant ID, your EFTPOS terminal cannot process or settle payments.
A Terminal ID, or TID, is a unique code that identifies the EFTPOS terminal used to process transactions. While your Merchant Number identifies your business, the Terminal ID distinguishes each individual terminal.
If your business has more than one EFTPOS terminal, each one will have its own TID. These are usually numbered in sequence, such as ending in 01, 02, 03, 04, and so on. This makes it easy to track which terminal a transaction came from.
If you choose to apply a surcharge to card payments, you must follow the rules set by the card schemes and your Merchant Bank.
What to do when applying a surcharge:
Following these rules helps keep your business compliant and ensures customers are treated fairly.
Offline transaction processing (EOV) comes with its own risks, and merchants should be aware of them. If your terminal malfunctions or is damaged while it has stored offline transactions, those payments may be lost before they are uploaded to the network.
Your Merchant Bank is the best contact to explain the implications and guide you through what to do in these situations. EFTPOS Central is not liable for any loss of stored transactions if a terminal fails before reconnecting and sending them through to the payment network.
In everyday use, there’s no real difference. “EFTPOS machine” is simply the term many people use, while “EFTPOS terminal” is the industry name. Both refer to the same device for taking payments.
EFTPOS transactions processed on a New Zealand EFTPOS network are settled daily, 365 days a year. These payments will appear in your bank account the following day, including on weekends and public holidays.
There is a lot that goes on in the background when it comes to processing EFTPOS and credit card transactions. EFTPOS terminals cannot be linked directly to your bank account. To process card payments, every merchant must have an approved merchant facility set up through a bank or payment provider like EFTPOS Central. The merchant facility connects your terminal to the payment networks, checks each transaction, and then sends the funds to your nominated business bank account.
Banks and payment providers must follow the rules of the Anti-Money Laundering Act (AML) as well as the requirements of global card schemes like Visa and Mastercard. These checks are what allow your business to be part of the global payments network. Without this process, a terminal cannot securely connect transactions to your bank account.
To learn more about our merchant facility click here
