skip to log on skip to main content
VoiceOver users please use the tab key when navigating expanded menus
Find ANZ Contact
Find ANZ Contact

Merchant services pricing structure

Pricing structure for ANZ merchant facilities

At ANZ we are committed to providing your business with competitively priced payment taking options.

ANZ considers a number of factors when pricing your merchant facility and aims to help you structure your merchant pricing to best suit your particular business situation.

ANZ merchant pricing consists of Service Fees charged for card processing, and other fees which may be ongoing or once-off.

To discuss merchant pricing fees and structure, and a merchant facility option that best suits your business, contact us on 1300 366 988.

ANZ pricing structures

ANZ merchant pricing includes the following:

Merchant Service Fee (MSF)

ANZ’s Merchant Service Fee (MSF) includes Visa and MasterCard transaction charges, combined, and UnionPay International transaction charges as a separate item.

EFTPOS Debit Card Fee (DCF)

ANZ Debit Card Fee (DCF) applies to EFTPOS transactions, which are enacted when the 'SAV' or 'CHQ' function is selected on terminals.

Single Rate Pricing

Single Credit/Debit Pricing often suits small to medium businesses that prefer one rate for all Visa and MasterCard card transactions.

  • Simple and easy to manage
  • One rate for all Visa and MasterCard transactions

Merchant Service Fee (MSF)

ANZ will calculate your Visa and MasterCard transaction fees using a single agreed rate for all Visa or MasterCard transactions, and will calculate your UnionPay fees using a single agreed rate for all UnionPay transactions.

ANZ Merchant Service Fee categories:

  • Visa and MasterCard
  • UnionPay International

EFTPOS Debit Card Fee (DCF)

ANZ will calculate your EFTPOS fee using a single agreed rate for all EFTPOS debit card transactions.

 

Your agreed rates are based on a number of factors and depend on your individual situation. Certain businesses may be excluded from using Single Rate Pricing, ANZ will advise of this as necessary on a case by case basis.

Differential Pricing

Merchant Differential Pricing often suits small to medium businesses that prefer pricing that is differentiated across specific card categories, which are charged at different rates.

  • Flexibility to pay based on card categories that your business accepts most
  • Different rates for different types of card transactions

Merchant Service Fee (MSF)

ANZ will calculate your Visa and MasterCard transaction fees using different rates for different card categories that you process through your merchant facility. ANZ will calculate your UnionPay fees using a single agreed rate for all UnionPay transactions.

ANZ Merchant Service Fee categories:

  • International
  • Visa and MasterCard Credit Standard
  • Visa and MasterCard Credit Premium
  • Visa and MasterCard Credit Premium Plus
  • Visa and MasterCard Debit Standard
  • Visa and MasterCard Debit Premium
  • UnionPay International

Refer to Table 1 for ANZ Merchant Service Fee and Visa and MasterCard Interchange category mapping.

EFTPOS Debit Card Fee (DCF)

ANZ will calculate your EFTPOS fee using a single agreed rate for all EFTPOS debit card transactions.

 

Your agreed rates are based on a number of factors and depend on your individual situation.

 

Table 1: Merchant Service Fee Category Listing

Include transactions processed as one of the following Interchange categories:

Table 1 Merchant service fee category listing
Interchange category Visa MasterCard
Credit Standard
  • Charity
  • Recurring Payments
  • Government
  • Education
  • Service Station
  • Supermarket
  • Transit
  • Classic, Gold
  • Charity
  • Government, Utilities and Insurance
  • Petroleum
  • Education and Learning
  • Recurring Payments
  • Consumer Standard
  • Tokenized online
Credit Premium
  • Platinum
  • Business
  • Business Platinum
  • Corporate
  • Purchasing
  • Commercial
  • Consumer Premium
Credit Premium Plus
  • Signature
  • Business Signature
  • Rewards
  • Infinite
  • Commercial Executive
  • Consumer Elite and Super Premium
  • Consumer Premium – High Spend
  • Tokenized contactless
Debit Standard (includes Prepaid)
  • Charity
  • Recurring Payments
  • Government
  • Education
  • Service Station
  • Supermarket
  • Transit
  • Classic, Gold
  • Charity
  • Tokenized contactless - Low Value (<=AU15) (Debit only)
  • Tokenized contactless - Other (>AU15) (Debit only)
  • Tansit contactless (Debit only)
  • Other Card Present - Standard
  • Other Card Present - Premium
  • Tokenized online (Debit only)
  • Other Card Not Present - Standard
Debit Premium (includes Prepaid)
  • Platinum
  • Business
  • Corporate
  • Other Card Present - Commercial
  • Other Card Not Present - Premium
  • Other Card Not Present - Commercial
International Cards from outside Australia Cards from outside Australia
UnionPay International: All UnionPay International transactions

InterchangePLUS pricing

InterchangePLUS pricing often suits large businesses and corporates who prefer to have variable pricing, which is subject to change according to interchange prices set by each of the card schemes.

Merchant Service Fee (MSF)

ANZ will calculate your Visa and MasterCard credit and debit fees based on the type of cards and transactions that you process through your merchant facility, according to interchange categories specified by Visa and MasterCard. Interchange rates are subject to regular change.

For current interchange information please refer to Visa and MasterCard:

 

ANZ will calculate your UnionPay fees based on the type of transaction processed through your merchant facility, according to interchange categories specified by Union Pay International.

EFTPOS Debit Card Fee (DCF)

ANZ will calculate your EFTPOS fee using a single agreed rate for all EFTPOS debit card transactions.

 

Your agreed rates are based on a number of factors and depend on your individual situation.

Schemes Interchange Information

Visa and MasterCard interchange categories and pricing is reviewed quarterly and subject to regular change by the respective scheme.

For more information please refer to Visa and MasterCard:

Need to speak to someone?

1800 039 025

We're available 24/7

Important information

The information on this page does not take into account your personal and business financial needs, particular objectives and/or circumstances, and is not a substitute for commercial judgement or professional advice which you should seek as required.

Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you.

ANZ recommends you read the applicable Terms and Conditions and the ANZ Financial Services Guide (PDF 104kB) before acquiring the product.

Contact