ANZ MERCHANT SERVICES AT A GLANCE SIMPLE AND RELIABLE PAYMENT SOLUTIONS

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1 ANZ MERCHANT SERVICES AT A GLANCE SIMPLE AND RELIABLE PAYMENT SOLUTIONS

2 ANZ MERCHANT SERVICES AT A GLANCE IN STORE ON THE GO ONLINE KEY FEATURES Turbo 2 Turbo Plus Mobile 2 Mobile Plus Easy integration to POS system ANZ FastPay Next Generation No POS Required. All-in-one solution. In-built Contactless reader If you would like to take card payments over the phone, or set up an online store that accepts credit card payments, ANZ has the right solution for you. ANZ Secure Gateway ANZ egate ANZ epos Encrypted PIN and chip card technology Back-lit display/ colour screen In-built printer Paperless receipts. Multiple communication methods Dial up or IP. Integrated via broadband internet connection (IP through PC-EFTPOS), with dial-up available as back-up. Optus 3G network with dial up available for back-up. IP through PC-EFTPOS. Using communication options in the phone. RECEIVE CREDIT OR DEBIT PAYMENTS FROM YOUR CUSTOMERS ANYTIME, ANYWHERE. 1

3 TURBO 2 Turbo 2 SPEED AND EFFICIENCY Looking for a fast and simple way to process card payments? With its speed and efficiency our Turbo 2 gives you just that. Transactions are processed in a fast and reliable way, featuring multiple communications methods (Dial Up or IP), in-built contactless technology and colour screens. Mobile 2 Features and benefits: Standalone device suitable for small to medium businesses Accepts all payment methods including EMV Chip & PIN, Magstripe & Contactless Clear back-lit graphic display and colour screen Quick and easy-to-change automatic printer Suitable for: Businesses that accept low to medium card payment volumes. Turbo Plus Mobile Plus ANZ FastPay Next Generation 2 3

4 MOBILE 2 WIRELESS CARD PROCESSING Want to process card payments from your customers on the road, onsite, or on the go? 1 With the flexible Mobile 2, you can. The Mobile 2 is wireless, so no phone lines are required. It provides card processing when and where you need it, plus the convenience of widespread card acceptance for businesses on the move. 1 Mobile 2 Features and benefits: Standalone device suitable for businesses requiring terminal mobility looking to accept low to high volume of card payments Complete mobility portable wireless device Accepts all payment methods including EMV Chip & PIN, Magstripe & Contactless Clear back-lit graphic display and colour screen Quick and easy-to-change automatic printer Suitable for: Businesses requiring terminal mobility looking to accept low to high volume of card payments. Turbo Plus Mobile Plus ANZ FastPay Next Generation 4 1. Mobile 2 operates on the 3G network of ANZ s preferred carrier and is subject to the availability of that network. 5

5 TURBO PLUS A COMPLETE PAYMENT PROCESSING SOLUTION The Turbo Plus is an all-in-one facility with an in-built printer and modem. With fast and reliable processing speeds, it can integrate to a Point of Sale (POS) system or operate as a standalone. It also features multiple communication options (IP and Dial-up). So no matter what environment your business operates in, the Turbo Plus can adapt to your needs. Features and benefits: All-in-one integration to Point of Sale System (POS) via USB/Serial connectivity or standalone suitable for medium to large businesses Accepts all payment methods including EMV Chip & PIN, Magstripe & Contactless Clear back-lit graphic display and colour screen In-built printer and modem Back up communications (dial-up) Suitable for: Medium to large businesses requiring an integrated Point of Sale device. Turbo Plus Mobile Plus ANZ FastPay Next Generation 6 7

6 MOBILE PLUS A COMPLETE MOBILE PAYMENT PROCESSING SOLUTION The Mobile Plus is ideal for businesses that require a mobile and integrated terminal looking to accept a low to high volume of card transactions. The Mobile Plus has in-house mobility allowing you to move your terminal around your store 2, providing the flexibility to accept card payments wherever is most suitable for you and your customers. The fully wireless terminal communicates to your Point of Sale (POS) system via a Bluetooth connection to its associated base, allowing you fast and safe processing of transactions. Features and benefits: Mobile integrated device suitable for small to large businesses Accepts all payment methods including EMV Chip & PIN, Magstripe & Contactless Clear back-lit graphic display and colour screen Quick and easy-to-change automatic printer Suitable for: Medium to large businesses requiring a mobile integrated Point of Sale device. Mobile Plus ANZ FastPay Next Generation 2. The terminal connects to the base via Bluetooth technology with a detection range of up to 60 metres 8 dependent on the environment. 9

7 ANZ FASTPAY NEXT GENERATION A HANDY WAY TO GET PAID ANZ FastPay Next Generation for businesses. Now business owners can stop spending time chasing payments. Collect EFTPOS, credit or debit card payments on the go with your smartphone or tablet 3. Just insert or swipe your customer s card. Features and benefits: Unique Card Reader that plugs into an audio jack connection on a smartphone or tablet Securely accepts Chip and PIN credit, debit and EFTPOS payments Same day settlement to a linked ANZ Business Account for transactions settled before 6.30pm AEST/AEDT New online desktop portal to view and export ANZ FastPay Next Generation transactions Send your customers a receipt at the point of sale, via and SMS Additional users can be set up to process card payments for your business Enhanced PIN security via unique patented number scrambling technology Security Card sales are processed with advanced security and encryption technology. ANZ FastPay Next Generation does not store card holder details on your smartphone or tablet. Pricing The ANZ FastPay Next Generation app is free to download 4. A 2.3% merchant service fee applies to Visa and MasterCard transactions (including GST). Minimum merchant service fee is $10 per month (including GST). $0.30 Debit Card Fee 5 (including GST) will apply for every EFTPOS transaction. Monthly $5 Card Reader Rental Fee (including GST) will apply for each Card Reader ordered. Other fees and charges apply. Suitable for: Tradesperson, personal trainers or other small business owners. 3. ANZ FastPay Next Generation processes Visa and MasterCard credit and debit cards andeftpos 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. ANZ FastPay is a registered trademark of ANZ. 4. 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 Enacted when the SAVINGS or CHEQUE function is selected on the ANZ FastPay facility. 11 ANZ FastPay Next Generation

8 ANZ ONLINE PAYMENTS START ACCEPTING ONLINE PAYMENTS If you would like to take payments over the phone, or set up an online store that accepts credit card payments, ANZ has the right solution for you. CUSTOMER MERCHANT S ONLINE STORE MERCHANT S SHOPPING CART PAYMENT GATEWAY INTERNET MERCHANT ACCOUNT MERCHANT BANK ACCOUNT In general, you will need a Payment Gateway to accept online credit card transactions from your customers and an Internet Merchant Account to facilitate settlement of funds. Note: you will still need a bank account to have your settlement funds paid into. A Payment Gateway securely accepts, transmits and verifies your customer s card information with their credit card company. An Internet Merchant Account facilitates the settlement of funds into your designated bank account. What is your situation? If you want to take payments over the phone or online and, require tokenization and recurring billing functionality > We d recommend ANZ Secure Gateway 6. If you want to take payments over the phone or online and, have less complex integration requirements > We d recommend ANZ egate 7. If you are creating your online store through a web developer and, have been recommended a third party gateway or have a specific third-party gateway in mind > We d recommend ANZ epos. 6. ANZ Secure Gateway is powered by Cybersource ANZ egate is powered by MasterCard Payment Gateway Services. 13 ANZ Secure Gateway ANZ egate ANZ epos

9 ANZ SECURE GATEWAY A LEADING GATEWAY SOLUTION FOR YOUR PAYMENT PROCESSING NEEDS ANZ Secure Gateway, powered by CyberSource, allows credit card orders to be taken over the phone, with the option to set recurring payment schedules, and also supports payment processing for your online store. Phone This payment gateway option works best if: You want to take customer orders over the phone and process payments securely via an online portal You want to set up regular payments and process batch transactions You have a website but don t want to accept payments online Web This payment gateway option works best if: You have a website and want to accept payments online You want a customised and secure payment page You don t want to store credit card data Note: Web also includes full features and functionality of Phone. It s full of features ANZ Secure Gateway allows you to accept payments in the way that you want to and has a full range of configurable features, including: Recurring Billing Payment Tokenisation Flexible options for website integration and mobile-optimised pages Security for you and your customers: Level 1 PCIDSS Compliant Gateway 3D Secure Verified by Visa and MasterCard SecureCode compatible Suitable for: Small to large businesses, depending on your individual needs. It has two different packages Phone, if you want to take payments over the phone or process manual payments via a secure online portal, and Web, if you want to process payments online. For ANZ business account holders, the funds are available on the same day for transactions settled before 6pm (Melbourne time). For non-anz business account holders, ANZ transfers funds to the Merchants bank on the 14 following business day and the availability of funds will be determined by the Merchant s bank. 15 ANZ Secure Gateway ANZ egate ANZ epos

10 ANZ EGATE A SAFE AND CONVENIENT WAY OF ACCEPTING CARD PAYMENTS ONLINE ANZ egate is a complete payment gateway service, allowing credit card processing via the internet. So, whatever your customer s online shopping needs, they can pay you anytime with peace of mind. This payment gateway can be the best solution if: You want to take customer orders over the phone and accept payments securely online You are a small to medium business You want to process batch transactions You don t require recurring billing or tokenization You like it simple ANZ egate is a robust payment gateway, offering the essential features to allow you to process online payments, including: Fast transaction processing Batch processing Flexible options for website integration Compatibility with the majority of shopping cart providers Security for you and your customers: Level 1 PCIDSS Compliant Gateway 3D Secure Verified by Visa and MasterCard SecureCode compatible For ANZ business account holders, the funds are available on the same day for transactions settled before 6pm (Melbourne time). For non-anz business account holders, ANZ transfers funds to the Merchants bank on the 16 following business day and the availability of funds will be determined by the Merchant s bank. 17 ANZ Secure Gateway ANZ egate ANZ epos

11 ANZ EPOS ENABLING YOU TO ACCEPT AND PROCESS CARD PAYMENTS QUICKLY AND WITH EASE ANZ epos is an Internet Merchant Account that operates in conjunction with supported third party online gateways. So, if you already have a preferred gateway that suits your needs, we can work with you to complete your online shopping experience. This account works best if: You are creating your online store through a web developer or shopping cart and have been recommended a gateway or, have a specific gateway in mind You only require an Internet Merchant Account Get only the features you need ANZ epos provides you with an account to integrate with your chosen gateway, and includes the following features: Fast transaction processing Flexibility to work with a number of supported gateways No hardware is required as all supporting material is provided by the third party gateway of your choice. Partner Gateways ANZ epos supports the following major gateways contact us if you want to work with a gateway not listed here: Paycorp IP eway TNS Advam Payment Express Fat Zebra Authorize.net Merchant Warrior Securepay For ANZ business account holders, the funds are available on the same day for transactions settled before 6pm (Melbourne time). For non-anz business account holders, ANZ transfers funds to the Merchants bank on the 18 following business day and the availability of funds will be determined by the Merchant s bank. 19 ANZ Secure Gateway ANZ egate ANZ epos

12 ADDITIONAL FEATURES FOR ANZ TERMINALS Value-Added Services 8 Ability to sell mobile phone vouchers, event tickets and many more options. Generate more sales Earn commissions on each sale Convenience for your customers Multiple Settlement Accounts A single terminal can process payments to different settlement accounts in both standalone and integrated environments. Ideal for medical clinics, personal training studios or any other setting where multiple businesses share a point of sale Provides convenience for staff to manage just one terminal Available on all ANZ terminals Tipping 9 To give customers the option of including a tip within their overall payment Tips can be processed for both debit and credit cards Individual staff members can receive nominated tips Tip and purchase displayed on a single receipt Pre-Authorisation 9 Assurance that a customer s card is valid and has sufficient funds. Also provides the ability to place payments on hold Easily assess card validity Place payments on hold Payment assurance Customer Preferred Currency (CPC) 9 CPC identifies the card s country of issue and offers the cardholder the option of paying for the goods or services in their billing currency at the time of purchase. CPC is available to merchants at no additional cost No conversion calculations or extra processing steps are required CPC transactions are settled into merchants accounts in Australian Dollars 8. Provided by Touch and e-pay. Standard fees and charges apply Only available to approved merchants within specific industry groups. 21

13 SOLUTIONS FOR THE HEALTH INDUSTRY Medicare EasyClaim 10 Suitable for health practitioners lodging Bulk Bill claims and patient Medicare claims using the EFTPOS network No additional bank transaction fees Next day payments to practitioners 11 Same day payments to patients ANZ HealthPoint Private Claiming ANZ HealthPoint is an application which allows your practice to process electronic private health fund claims through your EFTPOS terminal No additional fees on private health fund rebates plus you get same day, every day settlement on EFTPOS Transactions 2. One EFTPOS terminal process private health fund and Medicare claims on the one terminal AND now all providers in the practice can use the same terminal. Broadband connectivity and Contactless payments means faster processing (Dial-up also available). Convenient for your patients patients can now claim their private health fund and Medicare rebates PLUS pay their accounts at one location. Supports all major Health Funds Standard ANZ Merchant Agreement fees and charges apply. 11. For ANZ business accounts funds are available for transactions settled by 9pm (AEST). For non ANZ business account holders, ANZ transfers the funds to their bank the following business day and the availability of the funds is determined by their bank. 23

14 HOSPITALITY INDUSTRY We understand that it can be difficult to work out the best payment solution for your hospitality business. That is why we are committed to providing simple and reliable payment solutions. Follow the guide below to uncover the solution that best suits your business needs. Would you like to offer table service to your customers? YES NO Would you like your terminal to be integrated to your Point of Sale system? Would you like your terminal to be integrated to your Point of Sale system? YES NO YES NO Mobile Plus Mobile 2 Turbo Plus Turbo

15 anz.com Australia and New Zealand Banking Group Limited (ANZ) ABN ANZ s colour blue is a trade mark of ANZ