skip to log on skip to main content
VoiceOver users please use the tab key when navigating expanded menus
Find ANZ Support Centre
test2
Find ANZ Support Centre

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 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 business circumstances. Certain businesses may be excluded from using Single Rate Pricing, ANZ will advise of this as necessary on a case by case basis.

Differential Rate Pricing

Merchant Differential Rate 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
  • Strategic B2B
  • Strategic Merchants - Program rates (1,2,3,4)
  • Tokenized Online
  • Recurring Payment
  • Government
  • Education
  • Transit
  • Service Station
  • Supermarket
  • Insurance
  • Electronic
  • Standard
  • Charity
  • Mastercard Initiated Rewards
  • Strategic Merchants (1,2,3,4)
  • Shop and Split Standard*
  • Transit Contactless
  • Government, Utilities and Insurance
  • Petroleum
  • Consumer Standard*

*Card Present/Card Not Present, Tokenized Online/Contactless
Credit Premium
  • Premium Business
  • Corporate
  • Purchasing
  • Premium
  • Business
  • Commercial*
  • Shop and Split Premium*
  • Consumer Premium*

*Card Present/Card Not Present, Tokenized Online/Contactless
Credit Premium Plus
  • Super Premium (Visa Rewards)
  • Super Premium (Visa Signature)
  • High Net Worth
  • Super Premium Business
  • Commercial Executive*
  • Consumer Super Premium Rewards*
  • Consumer Elite* 
  • Consumer Super Premium*
  • Consumer Premium – High Spend (Card Present/Card Not Present)

*Card Present/Card Not Present, Tokenized Online/Contactless
Debit Standard (includes Prepaid)
  • Charity
  • Strategic Merchants - Program rates (1,2,3,4,5,6,A,B,C)
  • Strategic B2B
  • Tokenized Contactless - Purchase Amount < $15 AUD
  • Tokenized Contactless - Purchase Amount > $15 AUD
  • Card Present - Gold Products
  • Card Present - Standard Debit Products
  • Tokenized Recurring
  • Recurring Payment
  • Tokenized Online
  • Standard
  • Gold
  • Charity
  • Mastercard Initiated Rewards
  • Strategic Merchants (1,2,3,4,5,6)
  • Transit contactless (Debit only)
  • Tokenized contactless - Low Value ( <= $15 AUD) (Debit only)
  • Tokensized contactless - Other ( > $15 AUD) (Debit only)
  • Other Card Present - Standard
  • Tokenized online (Debit only)
  • Other Card Not Present - Standard
Debit Premium (includes Prepaid)
  • Card Present - Commercial Products
  • Card Present - Premium Products
  • Premium
  • Commercial
  • Other Card Present - Premium
  • 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 Cards All UnionPay Cards

Interchange Plus and International Blended pricing

Interchange Plus and International Blended pricing often suits large businesses and corporates who prefer to have variable pricing, which is subject to change according to domestic interchange prices set by each of the card schemes and International Rates and Union Pay Rates set by ANZ.

1. Merchant Service Fee (MSF)

The Merchant Service Fee that will apply to each domestic Visa and Mastercard Transaction processed is made up of two components being (1) Margin and (2) Domestic Interchange (as specified below).

The Merchant Service Fee that will apply to each international Visa and Mastercard Transaction (including Transactions processed using Customer Preferred Currency) and UnionPay International Transaction processed is made up of two components being (1) Margin and (2) International Rate/UnionPay Rate (depending on the card type) (as specified below).

The Margin that will apply to each Transaction processed, in addition to any Domestic Interchange/International Rates/UnionPay Rates (as relevant) and costs, will be as specified in your merchant agreement with ANZ.

For Domestic Visa and Mastercard transactions, the interchange rates which will apply to Transactions are usually the rates which ANZ itself is charged under the domestic Visa and Mastercard card schemes. The Reserve Bank of Australia requires Visa and Mastercard to publish these rates, and they are currently published at:

These interchange rates are subject to regular change by Visa and Mastercard.

For International transactions, including Visa, Mastercard, Customer Preferred Currency and UnionPay International (where applicable), ANZ will apply an interchange rate (depending on the transaction type) which is set by ANZ. These rates are subject to change.

For the current International Rates and UnionPay Rates please refer to the below:

2. Debit Card Fee (DCF)

ANZ will calculate your debit fee using a single agreed rate for all Transactions processed via the domestic eftpos network provided by eftpos Payments Australia Limited.

 

The information provided above is general only. Final fees, charges and rates are based on a number of factors and depend on your individual situation and will be specified in your merchant agreement with ANZ.

Interchange Plus pricing

Interchange Plus 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, financial circumstances or objectives 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.

Top