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.
Include transactions processed as one of the following Interchange categories:
| Interchange category | Visa | MasterCard |
|---|---|---|
| Credit Standard |
|
|
| Credit Premium |
|
|
| Credit Premium Plus |
|
|
| Debit Standard (includes Prepaid) |
|
|
| Debit Premium (includes Prepaid) |
|
|
| 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.
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:
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.