merchant services pricing structure

 



Merchant Services Pricing Structure

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

Pricing structure for ANZ Worldline Payment Solutions merchant facilities

ANZ Worldline Payment Solutions 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 Worldline Payment Solutions’ 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 Worldline Payment Solutions’ merchant pricing includes the following:

  • Single Rate Pricing
  • Differential Rate Pricing
  • Interchange Plus Pricing

ANZ Worldline Payment Solutions Service Fees

Merchant Service Fee (MSF)

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)

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 Worldline Payment Solutions 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. The MSF is based on % rate against the value of the transaction.

ANZ Worldline Payment Solutions Merchant Service Fee categories:

  • Visa and Mastercard
  • UnionPay International

EFTPOS Debit Card Fee (DCF)

ANZ Worldline Payment Solutions will calculate your EFTPOS fee using a single agreed rate for all EFTPOS debit card transactions. The DCF is based on $ rate against the number of transactions.

 

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

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 Worldline Payment Solutions will calculate your Visa and Mastercard transaction fees using different rates for different card categories that you process through your merchant facility. ANZ Worldline Payment Solutions will calculate your UnionPay fees using a single agreed rate for all UnionPay transactions. The MSF is based on % rate against the value of the transaction.

ANZ Worldline Payment Solutions 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 Worldline Payment Solutions Merchant Service Fee and Visa and Mastercard Interchange category mapping.

EFTPOS Debit Card Fee (DCF)

ANZ Worldline Payment Solutions will calculate your EFTPOS fee using a single agreed rate for all EFTPOS debit card transactions. The DCF is based on $ rate against the number of transactions.

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

 

Table 1: Merchant Service Fee Category Listing

Include transactions processed as one of the following Interchange categories:

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 Worldline Payment Solutions.

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 (includes Customer Preferred Currency and Union Pay international transactions) 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 Worldline Payment Solutions. The MSF is based on % rate against the value of the transaction.

For Domestic Visa and Mastercard transactions, the interchange rates which will apply to Transactions are usually the rates which ANZ Worldline Payment Solutions 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 Worldline Payment Solutions will apply an interchange rate (depending on the transaction type) which is set by ANZ Worldline Payment Solutions. 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 Worldline Payment Solutions 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 DCF is based on $ rate against the number of transactions.

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 Worldline Payment Solutions.

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 Worldline Payment Solutions 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 Worldline Payment Solutions 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 Worldline Payment Solutions will calculate your EFTPOS fee using a single agreed rate for all EFTPOS debit card transactions. The DCF is based on $ rate against the number of 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:

Footnote:

For ANZ business account holders, funds are available on the same day for online transactions, processed through the terminal and settled before 9pm (AEST). For non-ANZ business account holders, for online transactions processed through the terminal, ANZ Worldline Payment Solutions will transfer the funds to the merchant’s bank on the following business day and the availability of the funds will be determined by the merchant’s bank. For transactions processed offline or via Paper Merchant Vouchers, these settlement times do not apply.