ANZ
- In-person rate
- Custom quote
- Online rate
- Custom quote
- Monthly fee
- Custom quote
- Terminal cost
- Rental quoted
- Contract length
- Varies
- Settlement time
- Same-day available
- Est. monthly cost
- —
ANZ
Big Four bank merchant services with same-day settlement to ANZ business accounts.
- In-person rate
- Custom quote
- Online rate
- Custom quote
- Monthly fee
- Custom quote
- Contract
- Varies
Best for
ANZ business customers wanting integrated banking and merchant services.
Pricing breakdown
Every fee we track, grouped by where it applies.
In-person payments
EFTPOS terminal and tap-to-pay transactions.
- Transaction rate
- Custom quote
Negotiated based on volume, industry, and card mix.
- Monthly fee
- Custom quote
- Terminal cost
- Rental quoted
- Setup fee
- Custom quote
Online payments
Online checkout and keyed-in card transactions.
- Transaction rate
- Custom quote
- Monthly fee
- Custom quote
- Setup fee
- Custom quote
Other fees
- Chargeback fee
- Custom quote
- AMEX rate
- Custom quote
- International card surcharge
- Custom quote
- Early termination fee
- Varies
- Instant payout fee
- Same-day available
Same-day settlement to ANZ accounts.
- Refund fee
- Custom quote
- PCI compliance fee
- Custom quote
Contract terms
- Contract length
- Varies
- Settlement time
- Same-day available
Same-day settlement to ANZ business accounts.
- Least-cost routing
- Yes
- Recurring billing
- Yes
Last verified 14 May 2026.
Accepted payment methods
Cards, wallets, and other methods supported by ANZ for Australian merchants.
Cards
- Visa
- Mastercard
- EFTPOS
- AMEX
- UnionPay
- JCB
- Diners Club
Digital wallets
- Apple Pay
- Google Pay
- Samsung Pay
Strengths and trade-offs
Pros
- Same-day settlement to ANZ business accounts
- Strong fraud detection on enterprise plans
- Wide branch and phone support
- Big Four bank backing
Cons
- No public pricing, must request a quote
- Setup process slower than fintech alternatives
About ANZ
ANZ offers EFTPOS terminals, online payment processing, and integrated merchant accounts for Australian businesses. Pricing is custom-quoted and depends on business size, industry, and card mix.
ANZ was founded in 1835 and is headquartered in Melbourne, Australia.
How ANZ compares
Side-by-side with the closest alternatives by estimated monthly cost.
Zeller
$633/mo est.
- In-person rate
- 1.4%
- Online rate
- 1.7% + $0.25
- Monthly fee
- Free
- Terminal cost
- From $99
- Contract length
- No lock-in
- Settlement time
- Next business day
- Est. monthly cost
- $633/mo
Stripe
$723/mo est.
- In-person rate
- 1.7% + $0.30
- Online rate
- 1.7% + $0.30
- Monthly fee
- Free
- Terminal cost
- Hardware quoted
- Contract length
- No lock-in
- Settlement time
- Standard payouts
- Est. monthly cost
- $723/mo
Square
$757/mo est.
- In-person rate
- 1.6%
- Online rate
- 2.2%
- Monthly fee
- Free
- Terminal cost
- $65
- Contract length
- No lock-in
- Settlement time
- Next day
- Est. monthly cost
- $757/mo
Common questions about ANZ
The same questions Australian merchants ask before signing up.
ANZ does not publish a standard rate in Australia. Pricing is quoted based on your business size, industry, and card mix. Request a quote on their site, or use our free fee calculator to compare against providers that do publish rates.
ANZ contract terms in Australia: Varies. Check the fine print for any early termination fees before signing.
ANZ settles funds on a same-day available schedule for Australian merchants. Settlement timing can be a deciding factor for cash flow, see how it compares on our payment-providers comparison page.
ANZ AMEX pricing in Australia is not publicly listed. Ask their sales team whether AMEX acceptance and rates are included.
Yes. ANZ offers least-cost routing in Australia, which can lower the cost of contactless debit transactions by routing them through the cheaper EFTPOS network. This is a real saving for busy retail and hospitality merchants.
ANZ is best suited to anz business customers wanting integrated banking and merchant services. To see how it stacks up for your specific volume and card mix, try our free fee calculator.
We may earn a commission when you click through to ANZ and sign up, where a commercial arrangement is in place. This never affects ranking, the data we publish, or the comparisons we make on this page. Read our terms for the full picture.
Compare ANZ
Compare ANZ against every other Australian provider on price, contract terms, and features.