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New customers

No, any business can apply for ANZ FastPay® Next Generation but you do need to be approved by an ANZ merchant facility and have an ANZ business account to use the app.

Yes, you are required to sign up as an ANZ merchant in order to use the ANZ FastPay® Next Generation app and to receive a Card Reader.

You will also be required to open an ANZ business account for your funds to be sent to. You can open your ANZ business account during the ANZ FastPay® Next Generation application process. In order to be approved for ANZ FastPay® Next Generation, you must have an Australian Business Number (ABN).

The approval process can take as little as four business daysdisclaimer, though it will take longer if applying to process an unlimited weekly number and value of transactions.

Successful applicants will receive a Merchant ID, username and One Time Passcode, which they will use to log into the ANZ FastPay® Next Generation app.

Please note that your ANZ FastPay® Card Reader will usually be delivered by Toll Logistics to the registered Trading Address within one day of receiving your log in credentials.

You will need to sign for the Card Reader; however if you are not present at the registered Trading Address to sign for the Card Reader, Toll Logistics will leave a consignment note and send an SMS outlining the Alternate Delivery Point (ADP) from where you can pick up the Card Reader.

The following costs apply for ANZ FastPay® Next Generation:

  • Free to downloaddisclaimer
  • 2.3% Merchant Service Fee (inc. GST) for Visa and MasterCard transactionsdisclaimer
  • $0.30 Debit Card Feedisclaimer (inc. GST) will apply for every EFTPOS transaction
  • Monthly $5 Card Reader Rental Fee (inc. GST) will apply for each Card Reader ordered.
  • $130 Card Reader Replacement Fee (inc. GST) will be incurred for lost or stolen Card Readers
  • $130 Closure Administration Fee (inc. GST) will be incurred for all closures.
  • $30 Chargeback Fee (inc. GST) per chargeback

Yes, if you decide that ANZ FastPay® Next Generation does not meet your business needs, a $130 Closure Administration Fee will apply.

If you’d like to speak to someone about whether ANZ FastPay® Next Generation is right for your business before applying, please call the Merchant Sales Team on 1800 086 325.

Alternatively, locate your local Small Business Specialist to find out how else ANZ can help your business.

Any business entity can apply for ANZ FastPay® Next Generation, but you need to be approved for a merchant facility and have an ANZ business account to use the app and to receive a Card Reader.

You can open your business account during the ANZ FastPay® Next Generation application process. In order to be approved for ANZ FastPay® Next Generation, you must have an Australian Business Number (ABN).

Due to the extra security built into the ANZ FastPay® Card Reader, using the patented PIN entry method will take approximately one minute to complete a transaction.

General Questions

ANZ App is a general banking app for ANZ customers wanting to check their account balances, transfer money and make payments.

ANZ FastPay® Next Generation is specifically designed for small to medium businesses as a means of accepting card sales via an iPhone, iPad or Android device.

Yes, but you'll need to reapply for an unlimited facility and undergo a credit assessment. If approved you'll be able to view all transactions processed under your limited facility.

Yes, ANZ FastPay® Next Generation can complete a transaction on any credit card linked through the MasterCard and Visa card networks, including overseas cards.

There are no daily transaction limits. However, if you have selected the $3,000 weekly transaction limit and reach this limit in a given week, you'll be unable to process any further transactions for the remainder of the week. Your account transaction limit is reset at midnight (00:00am AEST/AEDT) each Sunday.

If you would like to increase your weekly limit, give us a call at the Merchant Contact Centre on 1800 790 232. Customers wanting to process an unlimited weekly value of transactions should specify this on the online application form.

All transactions processed before 06:30pm AEST/AEDT will settle into the merchant’s ANZ business account that same day. Transactions made after 06:30pm AEST/AEDT will be settled into the merchant’s ANZ business account the following business day.

Yes, for every transaction that is performed under a Merchant ID, a receipt will automatically be emailed to the email address associated with the Merchant’s ANZ FastPay® Next Generation account.

The customer will be given the option of receiving their receipt either via email or email and SMS. This is the customer's proof of payment. Customers can also choose not to receive a receipt. If a customer doesn't receive their receipt, you can resend it to them via the ANZ FastPay® Portal - you cannot resend it to them via the ANZ FastPay® Next Generation app. If the transaction failed or was declined, a receipt will be sent to the ANZ Merchant. You can offer to also provide a receipt of the failed transaction to the customer if they want one.

No, ANZ will cover the cost to send a customer a receipt via SMS.

Unfortunately no, you will only be able to use the ANZ FastPay® Card Reader on compatible Apple or Android smartphones or tablets.

Yes, as an ANZ Merchant you can have as many ANZ FastPay® Card Readers as needed for your business.

Your identity as the ANZ Merchant is known by the ANZ FastPay® Card Reader, so each one will process payments into the ANZ business account associated with your Merchant ID. We will automatically send you one new Card Reader. However, if you need multiple Card Readers, simply call the Merchant Contact Centre on 1800 790 232. They'll arrange for additional Card Readers to be sent to the registered Trading Address.

Please note that there will be a Card Reader Rental Fee of $5 per month on each Card Reader.

There is a variety of user and Card Reader combinations that you can adopt for your business, based upon the following rules:

  • Each Card Reader is assigned to a Merchant ID (MID)
  • Each Merchant ID can have multiple users associated with it, and multiple Card Readers assigned to it
  • Any user associated with a Merchant ID can use any Card Reader assigned to the Merchant ID

Please note that you do not need a Card Reader for every user, though you can have this arrangement if you would like to. However, please be aware that you will be charged $5.00 every month for every Card Reader that is assigned to your Merchant ID.

No, the ANZ FastPay® Card Reader must be inserted into the audio jack of the smartphone or tablet at all times in order to use the ANZ FastPay® Next Generation app.

If the Card Reader is not in the audio jack, then the user cannot log into the app to take payments.

Yes, the ANZ FastPay® Next Generation app does allow customers to sign instead of entering a PIN, but only if this is a verification method allowed by the card.

To sign, the following steps must be followed:

  • The customer can press ‘Enter’ when prompted to enter a PIN
  • If the verification method of that card is signature, then the app will display a screen asking for the customer to sign
  • The customer will sign on the screen of the smartphone/tablet using their finger, and then press ‘Next’

If the customer makes a mistake and wants to re-sign, they can press the ‘Clear’ button at the bottom of the screen, and the screen is cleared so the customer can attempt to sign again.

If the customer decides that they want to cancel the transaction or would rather enter their PIN, they can press the ‘Cancel’ button and the transaction is cancelled.

Once the customer is happy with the signature, the ANZ Merchant will confirm that the signature on the screen matches that displayed on the customer’s card.

If the signatures match, then the ANZ Merchant will press ‘Done’.

If the signatures do not match, then the ANZ Merchant will press ‘Cancel’ to end the transaction.

Neither the ANZ FastPay® Next Generation app nor the Card Reader will store the customer’s signature.

The functionality to take a screenshot of the smartphone/tablet screen will be disabled.

ANZ will securely store a copy of the signature in case the customer disputes the transaction.

Yes. The ANZ FastPay® Card Reader connects directly to the card issuing bank when performing a transaction. If the response received from the card issuing bank indicates an insufficient balance in the cardholder’s account, then the transaction will be declined.

If the mobile network is down, any transaction that is processing will not take place and you will have to try and perform the transaction again.

All merchants can do the following within the ANZ FastPay® Portal:

 

  • View all users associated with their Merchant ID.
  • Reset the app log in PIN for every user linked to their Merchant ID.
  • View all addresses, email addresses and phone numbers associated with their Merchant ID.
  • View every transaction that has been performed under their Merchant ID in the last 12 months.
  • View the details of a transaction.
  • Resend the receipt to a customer.
  • Reset their Merchant Portal log in password.
  • Export transactions to .csv and.xls file format.
  • Search for transactions.
  • View the Card Readers that are assigned to their Merchant ID.
  • View the user that each Card Reader is assigned to under their Merchant ID.

Please note that only the Merchant Account Owner will have access to the ANZ FastPay® Portal.

No, at the moment you are only able to process card payments via ANZ FastPay®.

If you'd like to take over the phone card payments (MOTO), you'll need to be approved for this functionality. To apply, please call the Merchant Contact Centre on 1800 790 232.

How to Questions

To process a new sale, you need to:

  • Select the ‘New Sale’ option from the main navigation menu
  • If you do not have MOTO enabled, then press the “Process New Sale” button - if you do have MOTO enabled, then press the “Insert or Swipe Transaction” button
  • Enter the following transaction details and then press ‘Next’:
    • Amount (Required)
    • Description (Optional)
    • Name of the Customer (Optional)
  • Confirm that the details are correct and press ‘Confirm’
  • When prompted, please insert or swipe the customer’s card in the Card Reader
  • Select the appropriate account on the customer’s behalf:
    • Cheque
    • Savings
    • Credit
  • Ask the customer to confirm that the amount displayed on the Card Reader is correct, and press ‘Yes’
  • Ask the customer to enter their card PIN
  • If the PIN was successfully validated, then the transaction will be processed and a successful sale screen will appear
  • If the PIN was not successfully validated, then the transaction will not be processed, and a transaction failed message will appear
  • You will then have the option of sending the customer a receipt, either via email or SMS - enter the customer’s details and press ‘Send’

If you entered the customer's details correctly, the receipt will be sent to the customer accordingly. Please note that a copy of the receipt will also be emailed to the Merchant email address associated with that Merchant ID.

To process a new MOTO sale, you need to:

  • Select the ‘New Sale’ option from the main navigation menu
  • Press the ‘Mail or Telephone Order Only’ button
  • Populate the following customer's card details and tap ‘Next’:
    • Amount
    • Description of the transaction
    • Name of the Customer (does not have to match the name on the card)
    • Cardholder Name (which is the name on the card)
    • Card number
    • Expiry
    • CVC/CVV
  • Confirm that the details are correct and press the ‘Confirm and Process Sale’ button
  • If the transaction was approved by the card issuing bank, then you will receive a successful sales message
  • You will then have the option of sending the customer a receipt, either via email or SMS - enter the customer’s details and press ‘Send’

If you entered the customer's details correctly, the receipt will be send to the customer accordingly. Please note that a copy of the receipt will also be emailed to the Merchant email address associated with that Merchant ID.

  • When the customer is prompted to enter their card PIN, you will notice a scrambled number pad displayed on the Card Reader’s screen, along with a blank corresponding number pad displayed on the smartphone/tablet screen
  • The customer enters a PIN digit by pressing the button on the smartphone/tablet that corresponds to the grid position of the number shown on the number pad displayed on the Card Reader screen
  • After each PIN digit is pressed, the number pad on the Card Reader will randomly re-shuffle again - this is a security feature that makes it hard for anyone to guess the customer’s card PIN
  • Once the Card Reader has registered that a digit has been pressed, an asterisk (*) will appear to represent each digit of the PIN
  • Once the customer has entered every digit in their card PIN, then they can press ‘Enter’ and the Card Reader will validate the PIN with the card issuing bank

To find a previous transaction performed using the ANZ FastPay® Next Generation app:

  • Select the ‘Transactions’ icon from the navigation menu - a list of all of your transactions will appear with the most recent at the top
  • Scroll through and find the specific transaction you're after, or tap the ‘Search’ button to launch the search page
  • You can search for a transaction using any one of the following filters:
    • Receipt number
    • Cardholder name
    • Date
    • Description
    • Amount
    • Customer name

There are different ways to conduct a refund depending upon how the transaction was processed.

 

To process a refund for a purchase made with a card used with the Card Reader, you need to:

  • Select the ‘Transactions’ icon from the navigation menu
  • Find the transaction that you'd like to refund using the app's Search function
  • Once you've located the appropriate transaction, tap on it to open the transaction details
  • Select ‘Refund’
  • Enter your ANZ FastPay® Next Generation app log in PIN
  • Confirm that the details are accurate and press ‘Next’
  • A refund summary screen will appear - if the details are correct, press ‘Confirm’
  • Ask the customer to insert or swipe their card
  • Ask the customer to select their account type
  • Ask the customer to confirm that the amount displayed on the Card Reader is correct and press ‘Yes’
  • Ask the customer to enter their card PIN
  • If the PIN was successfully validated, then the refund is processed and a successful refund message will appear
  • If the PIN was not successfully validated, then the refund will not be processed, and a refund failed message will appear
  • You'll then be asked if you'd like to send a receipt to your customer either via email or email with SMS - enter the customer’s email
  • address or email address and mobile number, then press ‘Send’
  • If you entered the customer's details correctly, then the refund receipt will be sent to them
  • Please note that a refund receipt will also be emailed to the email address associated with the Merchant ID

To process a refund if a card was not used with the Card Reader (MOTO), you need to:

  • Select the ‘Transactions’ icon from the navigation menu
  • Find the transaction that you'd like to refund using the app's Search function
  • Once you've located the appropriate transaction, tap on it to open the transaction details
  • Select ‘Refund’
  • Enter your app log in PIN
  • Confirm that the details are accurate and press ‘Next’
  • If the refund amount is not greater than the transaction value, then the refund is successfully processed, and a successful refund
  • message will appear - press ‘Next’
  • If the refund amount does exceed the original transaction value, then the refund won't be processed, and a refund failed message will
  • appear - you will have to enter a lower refund value, and then press ‘Next’
  • You will then have the option of sending the customer a receipt, either via email or SMS - enter the customer’s details and press ‘Send’
  • If you entered the customer's details correctly, the receipt will be send to the customer accordingly
  • Please note that a copy of the receipt will also be emailed to the Merchant email address associated with that Merchant ID

Yes, you can issue partial or full refunds to any customer that you have processed a transaction for using ANZ FastPay®, however you cannot refund more than the initial transaction amount.

For example, if the initial transaction was for $50, you can only refund up to and including $50; you would not be able to provide a refund greater than $50.

Please note: The refund must be to the same card used to perform the initial transaction.

If a card was used in the Card Reader to perform the initial transaction, then the refund must also be to a card used in the Card Reader.

If the initial transaction was a Mail Order / Telephone Order (MOTO) where by a card was not used with the Card Reader, then the refund must also be via a MOTO transaction with no card used in the Card Reader.

To change your app log in PIN, you need to:

  • Select the ‘Preferences’ icon from the navigation menu
  • Select ‘Change PIN’
  • Enter your current PIN
  • Enter a new PIN and confirm this PIN
  • Select ‘Continue’

Remember: You should set a strong PIN. You can do this by including the following characteristics:

  • The PIN must be 4 numeric characters
  • The PIN cannot contain 3 or more repeats of the same character (e.g. 2232 is valid, while 2223 is not)
  • The PIN cannot contain 3 or more consecutive numbers in ascending or descending order (e.g. 1234, 4321, 2341 and 3214 would all be invalid)
  • The following ‘common’ PIN sequences are not allowed:
    • 2580
    • 0852
    • 1397
    • 1793

For all resets, please contact the Merchant Contact Centre on 1800 790 232.

If you need to change or update any part of your ANZ FastPay® account details, e.g. bank account, trading address or phone number, please call the Merchant Contact Centre on 1800 790 232.

You can only change details associated with your ANZ FastPay® account if you are the owner of the Merchant ID. To change your details:

  • Select the ‘Preferences’ icon from the navigation menu
  • Select ‘Change Email’
  • Enter your new email address
  • Select ‘Continue’

You may wish to set up multiple users on a single device. If you would like to do this, please contact the Merchant Contact Centre on 1800 790 232  

  • Once approved you will be provided with a new username and one time PIN. Please note that the Merchant ID is the same as your ANZ FastPay® account’s Merchant ID that you are connecting the new user too.
  • From the ‘Enter PIN’ screen within the app, select ‘Switch User’. This will display a list of all the user profiles that are active on the app.
  • Tap ‘Add New User’.
  • Enter the new user’s Merchant ID, username and one time PIN and select ‘Log In’.
  • Create a new 4 digit log in PIN and confirm it.
  • Finally, enter your new PIN to log in.

To delete a user from the app, you need to:

  • Select the ‘Preferences’ icon from the navigation menu.
  • Select ‘Manage Log In Profiles’ which will launch a page displaying your different ANZ FastPay® Next Generation profiles.
  • Select the ‘Edit’ button.
  • Select the red button next to the user profile you wish to delete. This will activate a ‘Delete’ button.
  • Select ‘Delete’ to complete the deletion.

This is simply deleting the profile from the app. Should you wish to delete the profile from the merchant account completely, then you'll need to contact the Merchant Contact Centre on 1800 790 232

You may wish to set up multiple businesses on a single smartphone or tablet.

  • To set up an additional business, contact the Merchant Contact Centre on 1800 790 232 or by completing the online application form (www.anz.com/fastpay)
  • Once approved, you will be issued a new Merchant ID, username and one-time PIN
  • From the enter PIN screen within the app, select ‘Switch User’ - this will display a list of all profiles that are active on the app
  • Select ‘Add New User’
  • Enter the Merchant ID (of the alternative business), username and one-time PIN
  • Create a new PIN and confirm it
  • Enter your new PIN to log in

Please note that a Card Reader is only associated with the one business (and hence Merchant ID). As a result, any additional businesses will require their own unique Card Reader/s.

The transaction status definitions are as follows:

 

  • (P) Approved Transaction– The transaction was successful and the cardholder has been debited
  • (D) Declined Transaction- The transaction was unsuccessful. The cardholder has not been debited and they should refer to their issuing
  • bank
  • (F) Failed Transaction– The transaction failed and the cardholder has not been debited. Please try again and if the issue continues then
  • contact the Merchant Contact Centre on 1800 790 232
  • (RA) Refund Approved– The refund was successful and the cardholder has been credited
  • (RD) Refund Declined– The refund was unsuccessful. The cardholder has not been debited and they should refer to their issuing bank
  • (RF) Refund Failed– The refund failed and the cardholder has not been credited. Please try again and if the issue continues then contact
  • the Merchant Contact Centre on 1800 790 232
  • (?) Unknown– Contact the Merchant Contact Centre on 1800 790 232if you wish to enquire about the status

You don't have to press any power button to turn the ANZ FastPay® Card Reader on or off. Simply plug it into the audio jack on your smartphone or tablet, and the Card Reader senses when to turn itself on. When you unplug it from your smartphone or tablet, the Card Reader will turn itself off.

Yes, you'll need to regularly charge your Card Reader. A message will appear on the app when the battery is low. You can charge the Card Reader using the USB cord provided in the ANZ FastPay® Card Reader box.

ANZ FastPay® Next Generation only available to approved merchants who meet ANZ’s credit approval criteria and have an ANZ business account. Terms and conditions, fees and charges, and settlement times apply to the use of ANZ FastPay® Next Generation. ANZ FastPay® Next Generation processes Visa and MasterCard credit and debit cards and EFTPOS 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.

A minimum Merchant Service Fee of $10 (including GST) a month applies to Visa and MasterCard transactions.

Enacted when the ‘SAVINGS’ or ’CHEQUE‘ function is selected on the ANZ FastPay® Next Generation Merchant facility.

All applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions apply and are available on application. Fees, charges and eligibility criteria apply.

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 Terms and Conditions and the Financial Services Guide which are available on anz.com or by calling 13 13 14 before deciding whether to acquire, or continue to hold the product.

Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay is a trademark of Apple Inc..

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

ANZ FastPay® Next Generation list of supported devices/OS/browsers can be viewed here.

ANZ FastPay® Next Generation Merchant operating guide for iOS can be viewed here.

ANZ FastPay® Next Generation Merchant operating guide for Android can be viewed here.

ANZ FastPay® Next Generation Merchant operating guide ANZ FastPay® Portal can be viewed here.

Card Reader delivery times will vary outside metropolitan areas.

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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.

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Please note that the minimum Merchant Service Fee is $10 (inc. GST) per month.

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Enacted when the ‘SAVINGS’ or 'CHEQUE’ function is selected on the ANZ FastPay® facility.

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