anz merchant services at a glance

SIMPLE AND RELIABLE PAYMENT SOLUTIONS

ANZ MERCHANT SERVICES AT A GLANCE

1

KEY FEATURESANZ POS Turbo™ 2

ANZ POS Turbo™ Plus

ANZ POS Mobile 2

ANZ POS Mobile Plus

ANZ FastPay® Next Generation

Easy integration to POS system ✗ ✓ ✗ ✓

No POS Required. All-in-one solution.

In-built Contactless reader ✓ ✓ ✓ ✓ ✗

Encrypted PIN and chip card technology ✓ ✓ ✓ ✓ ✓

Back-lit display/ colour screen ✓ ✓ ✓ ✓ ✓

In-built printer ✓ ✓ ✓ ✓ Paperless receipts.

Multiple communication methods

Dial up or IP. Integrated via broadband

internet connection (IP through

PC-EFTPOS), with dial-up available

as back-up.

Optus 3G network

with dial up available

for back-up.

IP through PC-EFTPOS.

Using communication options in the phone.

ON THE GO ONLINE

If you would like to take card payments over the phone, via an online store or via an app on a phone or tablet, ANZ has the right solution for you.

• ANZ Secure Gateway™

• ANZ eGate™

• ANZ ePos

RECEIVE CREDIT OR

DEBIT PAYMENTS FROM

YOUR CUSTOMERS

ANYTIME, ANYWHERE.

IN STORE

ANZ MERCHANT SERVICES AT A GLANCE

ANZ Online Payments


ANZ POS Turbo™ 2

ANZ POS Mobile Plus

ANZ POS Mobile 2


2 3

ANZ POS TURBO™ 2

Looking for a fast and simple way to process card payments? With its speed and efficiency our ANZ POS Turbo™ 2 gives you just that. Transactions are processed in a fast and reliable way, featuring multiple communications methods (Dial Up or IP), in-built contactless technology and colour screens.

Features and benefits:• Standalone device suitable for

small to medium businesses

• Accepts all payment methods including EMV Chip & PIN, Magstripe & Contactless

• Clear back-lit graphic display and colour screen

• Quick and easy-to-change automatic printer

Suitable for:Businesses that accept low to medium card payment volumes.

SPEED AND EFFICIENCY

1. ANZ POS Mobile 2 operates on the 3G network of ANZ’s preferred carrier and is subject to the availability of that network.4 ANZ Online Payments

5

ANZ POS MOBILE 2

Want to process card payments from your customers on the road, onsite, or on the go?1 With the flexible ANZ POS Mobile 2, you can. The ANZ POS Mobile 2 is wireless, so no phone lines are required. It provides card processing when and where you need it, plus the convenience of widespread card acceptance for businesses on the move.1

Features and benefits:• Standalone device suitable for

businesses requiring terminal mobility looking to accept low to high volume of card payments

• Complete mobility – portable wireless device





ANZ POS Mobile Plus

ANZ POS Mobile 2


Suitable for:Businesses requiring terminal mobility looking to accept low to high volume of card payments.

WIRELESS CARD PROCESSING

6 7

ANZ POS TURBO™ PLUS

The ANZ POS Turbo™ Plus is an all-in-one facility with an in-built printer and modem. With fast and reliable processing speeds, it can integrate to a Point of Sale (POS) system or operate as a standalone. It also features multiple communication options (IP and Dial-up). So no matter what environment your business operates in, the ANZ POS Turbo™ Plus can adapt to your needs.

Features and benefits:• All-in-one integration to Point of

Sale System (POS) via USB/Serial connectivity or standalone suitable for medium to large businesses



• In-built printer and modem

• Back up communications (dial-up)

ANZ Online Payments


ANZ POS Mobile Plus


Suitable for:Medium to large businesses requiring an integrated Point of Sale device.

A COMPLETE PAYMENT PROCESSING SOLUTION

8 9

ANZ POS MOBILE PLUS

The ANZ POS Mobile Plus is ideal for businesses that require a mobile and integrated terminal looking to accept a low to high volume of card transactions. The ANZ POS Mobile Plus has in-house mobility allowing you to move your terminal around your store2, providing the flexibility to accept card payments wherever is most suitable for you and your customers.

The fully wireless terminal communicates to your Point of Sale (POS) system via a Bluetooth connection to its associated base, allowing you fast and safe processing of transactions.

Features and benefits:• Mobile integrated device suitable

for small to large businesses




2. The terminal connects to the base via Bluetooth technology with a detection range of up to 60 metres dependent on the environment. ANZ Online

Payments

ANZ POS Mobile Plus


Suitable for:Medium to large businesses requiring a mobile integrated Point of Sale device.

A COMPLETE MOBILE PAYMENT PROCESSING SOLUTION

10 11

ANZ FASTPAY® NEXT GENERATION

ANZ FastPay® Next Generation for businesses. Now business owners can stop spending time chasing payments. Collect EFTPOS, credit or debit card payments on the go with your smartphone or tablet3. Just insert or swipe your customer’s card.

Features and benefits:• Unique Card Reader that plugs into an

audio jack connection on a smartphone or tablet

• Securely accepts Chip and PIN credit, debit and EFTPOS payments

• Same day settlement to a linked ANZ Business Account for transactions settled before 6.30pm AEST/AEDT

• New online desktop portal to view and export ANZ FastPay® Next Generation transactions

• Send your customers a receipt at the point of sale, via email and SMS

• Additional users can be set up to process card payments for your business

• Enhanced PIN security via unique patented number scrambling technology

SecurityCard sales are processed with advanced security and encryption technology. ANZ FastPay® Next Generation does not store card holder details on your smartphone or tablet.

PricingThe ANZ FastPay® Next Generation app is free to download4. A 2.3% merchant service fee applies to Visa and MasterCard transactions (including GST). Minimum merchant service fee is $10 per month (including GST). $0.30 Debit Card Fee5 (including GST) will apply for every EFTPOS transaction. Monthly $5 Card Reader Rental Fee (including GST) will apply for each Card Reader ordered. Other fees and charges apply.

3. ANZ FastPay® Next Generation processes Visa and MasterCard credit and debit cards andEFTPOS cards as well as American Express credit cards. If you wish to accept American Express cards then you need to contact American Express directly. Use of ANZ FastPay® Next Generation requires a cellular or wireless internet connection. Temporary service interruptions may occur. ANZ FastPay® is a registered trademark of ANZ.

4. You will not incur any fee solely for downloading the ANZ FastPay® Next Generation app. You may incur charges from your mobile phone service provider or internet service provider (as applicable ) for downloading, updating and using the ANZ FastPay® Next Generation app.

5. Enacted when the ‘SAVINGS’ or ‘CHEQUE’ function is selected on the ANZ FastPay facility. ANZ Online Payments


Suitable for:Tradesperson, personal trainers or other small business owners.

A HANDY WAY TO GET PAID

6. ANZ Secure Gateway™ is powered by Cybersource.

7. ANZ eGate™ is powered by MasterCard Payment Gateway Services.

®Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.

™Android, Android Pay, and the Android Logo are trademarks of Google Inc.12 13

ANZ ONLINE PAYMENTS

If you would like to take card payments over the phone, online or via an app on a phone or tablet and require tokenisation and recurring billing functionality, ANZ has the right solution for you.

In general, you will need a Payment Gateway to accept online credit card transactions from your customers and an Internet Merchant Account to facilitate settlement of funds. Note: you will still need a bank account to have your settlement funds paid into.

A Payment Gateway securely accepts, transmits and verifies your customer’s card information with their credit card company.

An Internet Merchant Account facilitates the settlement of funds into your designated bank account.

What is your situation? • If you want to take payments over the

phone or online and, require tokenization and recurring billing functionality

• If you have an Apple® iOS or Android™ app and want to offer your customers the ability to pay using Apple Pay® or Android Pay™

> We’d recommend ANZ Secure Gateway™ 6

• If you want to take payments over the phone or online and, have less complex integration requirements

> We’d recommend ANZ eGate™ 7

• If you are creating your online store through a web developer and, have been recommended a third party gateway or have a specific third-party gateway in mind

> We’d recommend ANZ ePOS

CUSTOMER MERCHANT’S ONLINE STORE

MERCHANT’SSHOPPING CART

PAYMENTGATEWAY

INTERNET MERCHANTACCOUNT

MERCHANTBANK ACCOUNT

ANZ Online Payments

ANZ Secure Gateway™

ANZ eGate™

ANZ ePos

START ACCEPTING ONLINE PAYMENTS

For ANZ business account holders, the funds are available on the same day for transactions settled before 6pm (Melbourne time). For non-ANZ business account holders, ANZ transfers funds to the Merchants bank on the following business day and the availability of funds will be determined by the Merchant’s bank.

®Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.

™Android, Android Pay, and the Android Logo are trademarks of Google Inc.14 15

ANZ SECURE GATEWAY™

Phone PaymentsThis payment gateway option works best if:

• You want to take customer orders over the phone and process payments securely via an online portal

• You want to set up regular payments and process batch transactions

• You have a website but don’t want to accept payments online

Web PaymentsThis payment gateway option works best if:

• You have a website and want to accept payments online

• You want a customised and secure payment page

• You don’t want to store credit card data

Note: ‘Web Payments’ also includes full features and functionality of ‘Phone Payments’.

It’s full of featuresANZ Secure Gateway™ allows you to accept payments in the way that you want to and has a full range of configurable features, including:

• Easy integration options with Apple Pay® & Android Pay™ to enable in app payments

• Recurring Billing

• Payment Tokenisation

• Flexible options for website integration and mobile-optimised pages

• Security for you and your customers:

– Level 1 PCIDSS Compliant Gateway

– 3D Secure – Verified by Visa and MasterCard SecureCode compatible

A LEADING GATEWAY SOLUTION FOR YOUR PAYMENT PROCESSING NEEDS

ANZ Secure Gateway™, powered by CyberSource©, allows credit card orders to be taken over the phone, with the option to set recurring payment schedules, and also supports payment processing for your online store.

ANZ Online Payments


ANZ eGate™

ANZ ePos

Suitable for:Small to large businesses, depending on your individual needs. It has two different packages – Phone Payments, if you want to take payments over the phone or process manual payments via a secure online portal, and Web Payments, if you want to process payments online.

ANZ EGATE™

ANZ eGate™ is a complete payment gateway service, allowing credit card processing via the internet. So, whatever your customer’s online shopping needs, they can pay you anytime with peace of mind.

This payment gateway can be the best solution if:• You want to take customer orders

over the phone and accept payments securely online

• You are a small to medium business

• You want to process batch transactions

• You don’t require recurring billing or tokenization

You like it simpleANZ eGate™ is a robust payment gateway, offering the essential features to allow you to process online payments, including:

• Fast transaction processing

• Batch processing

• Flexible options for website integration

• Compatibility with the majority of shopping cart providers

• Security for you and your customers:

– Level 1 PCIDSS Compliant Gateway

– 3D Secure – Verified by Visa and MasterCard SecureCode compatible

A SAFE AND CONVENIENT WAY OF ACCEPTING CARD PAYMENTS ONLINE

For ANZ business account holders, the funds are available on the same day for transactions settled before 6pm (Melbourne time). For non-ANZ business account holders, ANZ transfers funds to the Merchants bank on the following business day and the availability of funds will be determined by the Merchant’s bank.16 17

ANZ Online Payments


ANZ eGate™

ANZ ePos

For ANZ business account holders, the funds are available on the same day for transactions settled before 6pm (Melbourne time). For non-ANZ business account holders, ANZ transfers funds to the Merchants bank on the following business day and the availability of funds will be determined by the Merchant’s bank.18 19

ANZ EPOS

ANZ ePOS is an Internet Merchant Account that operates in conjunction with supported third party online gateways. So, if you already have a preferred gateway that suits your needs, we can work with you to complete your online shopping experience.

This account works best if:• You are creating your online

store through a web developer or shopping cart and have been recommended a gateway or, have a specific gateway in mind

• You only require an Internet Merchant Account

Get only the features you needANZ ePOS provides you with an account to integrate with your chosen gateway, and includes the following features:

• Fast transaction processing

• Flexibility to work with a number of supported gateways

• No hardware is required as all supporting material is provided by the third party gateway of your choice.

Partner GatewaysANZ ePOS supports the following major gateways – contact us if you want to work with a gateway not listed here:

• Paycorp

• IP Payments

• eWay

• TNS

• Advam

• Payment Express

• Fat Zebra

• Authorize.net

• Merchant Warrior

• Securepay

ENABLING YOU TO ACCEPT AND PROCESS CARD PAYMENTS QUICKLY AND WITH EASE

ANZ Online Payments


ANZ eGate™

ANZ ePos

Value-Added Services8

Ability to sell mobile phone vouchers, event tickets and many more options.

• Generate more sales

• Earn commissions on each sale

• Convenience for your customers

Multiple Settlement AccountsA single terminal can process payments to different settlement accounts in both standalone and integrated environments.

• Ideal for medical clinics, personal training studios or any other setting where multiple businesses share a point of sale

• Provides convenience for staff to manage just one terminal

• Available on all ANZ terminals

Tipping9

To give customers the option of including a tip within their overall payment

• Tips can be processed for both debit and credit cards

• Individual staff members can receive nominated tips

• Tip and purchase displayed on a single receipt

Pre-Authorisation9

Assurance that a customer’s card is valid and has sufficient funds. Also provides the ability to place payments on hold

• Easily assess card validity

• Place payments on hold

• Payment assurance

Customer Preferred Currency (CPC)9

CPC identifies the card’s country of issue and offers the cardholder the option of paying for the goods or services in their billing currency at the time of purchase.

• CPC is available to merchants at no additional cost

• No conversion calculations or extra processing steps are required

• CPC transactions are settled into merchants’ accounts in Australian Dollars

ADDITIONAL FEATURES FOR ANZ TERMINALS

8. Provided by Touch and e-pay. Standard fees and charges apply.

9. Only available to approved merchants within specific industry groups.20 21

Medicare EasyClaim10

Suitable for health practitioners lodging Bulk Bill claims and patient Medicare claims using the EFTPOS network

• No additional bank transaction fees

• Next day payments to practitioners11

• Same day payments to patients

ANZ HealthPoint Private ClaimingANZ HealthPoint is an application which allows your practice to process electronic private health fund claims through your EFTPOS terminal

• No additional fees on private health fund rebates plus you get same day, every day settlement on EFTPOS Transactions2.

• One EFTPOS terminal – process private health fund and Medicare claims on the one terminal AND now all providers in the practice can use the same terminal.

• Broadband connectivity and Contactless payments means faster processing (Dial-up also available).

• Convenient for your patients – patients can now claim their private health fund and Medicare rebates PLUS pay their accounts at one location.

• Supports all major Health Funds

SOLUTIONS FOR THE HEALTH INDUSTRY

10. Standard ANZ Merchant Agreement fees and charges apply.

11. For ANZ business accounts funds are available for transactions settled by 9pm (AEST). For non ANZ business account holders, ANZ transfers the funds to their bank the following business day and the availability of the funds is determined by their bank.22 23

HOSPITALITY INDUSTRY

ANZ POS Mobile Plus


ANZ POS Mobile 2

ANZ POS Turbo™ 2

YESYES

NO

NONO

YES

Would you like to offer table

service to your customers?

Would you like your terminal to be integrated to

your Point of Sale system?

Would you like your terminal to be integrated to

your Point of Sale system?

24 25

We understand that it can be difficult to work out the best payment solution for your hospitality business. That is why we are committed to providing simple and reliable payment solutions. Follow the guide below to uncover the solution that best suits your business needs.

Australia and N

ew Zealand Banking G

roup Limited (A

NZ) A

BN 11 005 357 522. A

NZ’s colour blue is a trade m

ark of AN

Z. 90704 05.2016

anz.com

anz merchant services at a glance

Documents