Accepting payments

Whatever business you’re in, we have a range of payment solutions to make payment acceptance quick, easy and convenient.

Contact us

Accepting payments - Payment processing solutions | ASB

Take payments with Klarna

Let customers pay with flexibility. With Klarna you could boost sales, increase average order value and keep them coming back for more.

Find out more

We're giving back some of your merchant service fees

Effective 1 December 2020, eligible small business and commercial customers will receive a 20% rebate on their ASB merchant service fees. The rebate will be backdated to the statement period beginning 1 December 2020. If you are eligible, we will be in touch with you directly to provide further details. The rebate will be in place until merchant service fee regulations come into effect.

Find out more

Great reasons to choose us

  • Money hits your ASB account the same day with 7-day settlement
  • Solutions for accepting payments in-store, on-the-go, via direct debit and online
  • Integrate with your POS system, so no more double keying
  • A variety of terminal options to suit your businesses needs
  • Three pricing options to choose from

Capped debit contactless fee for small business

We've introduced a maximum merchant service fee for Visa and Mastercard debit contactless transactions of 0.70%, with the aim of making contactless acceptance available and affordable.

This applies to debit cards that are issued from a New Zealand issuer and excludes UnionPay debit cards, which will be charged at the same rate as all other transactions.

The new capped rate applies from 1 August 2020 onwards and is automatically applied to eligible small business merchants.

Is it right for my business?

No matter what type of business you’re in, we can help you accept contactless, chip or swipe payments. We have great options available from mobile terminals that email receipts to fixed terminals that integrate with your point of sale (POS) system.

We can also help you with collecting payments from regular customers with ASB Smart Debit and offer merchant services if you already have your own device for accepting payments.

Payment terminals

ASB Accept Lite

Accept EFTPOS and credit card payments on-the-go and email receipts with this simple, mobile terminal.

ASB Accept Standalone

A simple instore terminal solution with the flexibility to accept payments either table-side or over the counter, and the ability to integrate into a point of sale (POS) system.

ASB Accept Mobile

A portable terminal that enables you to accept card payments anywhere you have Vodafone mobile coverage.

Other payment solutions

ASB Smart Debit

Streamline the way you collect regular, recurring customer payments with ASB Smart Debit. It can improve your cash flow and help reduce your payment processing time.

Find out more

Online payments

If you want to accept online payments or process mail-order payments quickly and easily, talk to us. We work with a number of reputable payment gateways and can help you find one that will suit your needs.

0800 272 555

Got your own device?

No problem. Talk to us about setting up a merchant facility to help get you started with ASB.

0800 272 555

A guide to invoicing

Whether you're just starting out or want to improve your invoicing skills, Xero has a range of resources to support you.  Check out their invoicing survival guide or create your own invoice using their free invoice template

Pricing Options

See which of our three merchant service fee pricing options best suit your business needs.

  • Interchange Plus (Unbundled)

    With Interchange Plus, you’re charged the actual interchange fee applicable for each transaction, plus a fixed rate merchant service fee.

    Interchange Plus pricing provides a direct pass through of the interchange costs that the card issuers charge the acquiring bank for each transaction.

    Note: For the latest domestic interchange rates please visit the Visa and Mastercard websites.


  • Semi-Bundled

    Similar transactions are grouped together, with each group having its own fixed rate merchant service fee.

    Semi-bundled pricing may be beneficial depending on the card and transaction types your customers use. For example, the contactless domestic debit or standard credit card transactions have lower interchange fees than international card transactions.

  • Fixed Rate (Bundled)

    A single fixed rate is applied to all your Visa, Mastercard and UnionPay transactions.

    With fixed rate pricing, you have certainty of a set rate across all transactions regardless of the varying card types, or how transactions are processed.

Get started today

01. Choose

We offer a range of solutions for accepting payments:

02. Apply

Call or email us to discuss your choice of solution, and to apply.

Next steps

Email us

Tell us what you're after and one of the team will be in contact to help.


Call us

We're here to help.

0800 272 555

Guides to get you there

ASB’s terms apply.

Business banking Accepting payments