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Merchant services pricing structure

Pricing structure for ANZ merchant facilities

ANZ may calculate your fees based on the type of cards and transactions that you process through your merchant facility. Please refer to your most recent Merchant Agreement.

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

Credit card scenarios

If you're processing a Visa or MasterCard, use Table 1 to determine the ANZ charge rate category that may apply to you. If the transaction doesn't match any scenario in Table 1, refer to Table 2 for further breakdown.

Table 1

Table 1 Credit Card Scenarios
  Visa interchange category MasterCard interchange category ANZ merchant service category
Your customer’s card comes from outside of Australia Cards from outside Australia Cards from outside Australia International
Your business is in one of the following industry categories

Charity

Government

Transit

Utilities

Service Station

Supermarket

Education

Insurance

Charity

Government

Utilities

Petroleum

Education

Visa and MasterCard Credit Standard
The individual transaction is processed as one of the following types

Recurring payment

PayPass under $60

Recurring payment

Quick payment service

Secure code

Visa and MasterCard Credit Standard

Table 2

Table 2 Credit Card Scenarios
Visa MasterCard ANZ

Classic

Low rate

Gold

Classic

Low rate

Gold

Visa and MasterCard Credit Standard

Platinum

Business

Corporate

Purchasing

Commercial Premium

Platinum

Commercial

Visa and MasterCard Credit Premium

Super Premium

Rewards

Signature

High Net Worth

Business Signature

Super Premium

Elite

Business and Corporate Executive

Visa and MasterCard Credit Premium Plus

Debit card scenarios

If you're processing a debit card, use Table 3 to determine the ANZ charge rate category that may apply to you. If the transaction doesn't match any scenario in Table 3, refer to Table 4 for further breakdown.

ANZ EFTPOS debit fee categories

If a customer selects 'SAV' or 'CHQ' on the machine, it's a debit transaction. The debit fee caterogries are:

  • Charity
  • EFTPOS Debit Fee  Under $15
  • EFTPOS Debit Fee  $15 and more
  • EFTPOS Debit Fee – With Cash Out

Table 3

Table 3 Debit Card Scenarios
  Visa interchange category MasterCard interchange category ANZ merchant service category
Your business is in one of the following industry categories

Charity

Government

Transit

Utilities

Service Station

Supermarket

Education

Insurance

Charity

Government

Utilities

Petroleum

Education

Visa and MasterCard Credit Standard
The individual transaction is processed as one of the following types

Recurring payment

PayPass under $60

Recurring payment

Micropayment under $15

Quick payment service

Secure code

Visa and MasterCard Credit Standard

Table 4

Table 4 Debit Card Scenarios
Visa Interchange Categories MasterCard Interchange Categories ANZ

Classic

Prepaid

Classic

Prepaid

Visa and MasterCard Credit Standard

Premium

Business

Corporate

Platinum

Commercial

Visa and MasterCard Credit Premium
     

Schemes Information

Information in the tables that references Visa and MasterCard Interchange Categories are subject to change by the respective scheme.

For more information please refer to Visa and MasterCard:

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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 334kB) before acquiring the product.