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EFTPOS NZSmartpayWindcaveWorldline
Customers
70,000+ NZ businesses
40,000+ NZ businesses
17,000+ globally
80,000+ merchants in NZ
Google rating
4.5 stars, 79 reviews
4.2 stars, 230 reviews
1.9 stars, 66 reviews
1.9 stars, 42 reviews
Key differentiator
EFTPOS, payment gateway, and online solutions all from one trusted local provider
NZ’s largest independent EFTPOS provider
Global acquiring reach and omni-channel integration
Enterprise-grade network with global reach and partnerships
Pricing transparency
Advertises pricing for network fees ($15 + GST) & ecommerce (starts at $10 + GST). EFTPOS rental pricing available on request.
Price on application
Price on application
Monthly fee available online ($18.90 + GST). EFTPOS device hire varies by reseller
Promotions
Tailored offers available
12 months free (with 36-month term)
No advertised promotions
No advertised promotions
EFTPOS hire options
Short-term, seasonal and fixed-term contracts available
Short-term rental up to 3 months. Standard term is 36+ months.
Short-term (<6 months) and long-term fixed contracts
Available through third-parties only
Android EFTPOS devices
Available
Available
Not Available

Limited availability through EFTPOS resellers

Device quality
Premium Verifone devices, trusted by major banks and retailers worldwide
PAX — low cost devices
Ingenico — well-known brand, but limited local support options

Varies — terminals sourced via resellers. No consistent hardware standard

Range
Widest Android EFTPOS range. Includes  mobile, countertop, POS-integrated, and unattended devices
Mobile and countertop only. One Android device. Limited POS integration.
Strong POS integrated options
Terminals provided via resellers - range may vary
Payment network
Manages Verifone Payment Network
Mainly Terminal Provider (offers bundled network connection)
Mainly Terminal Provider (offers bundled network connection)
Primarily Payment Network provider
Merchant services
Partnered with all major NZ banks. Needs a Verifone Merchant Number.
Launching merchant services — non-bank, limited track record
Non-bank acquirer. No weekend settlement. Known integration limits.
Connect through your bank. Needs a Worldline Merchant Number
24/7 phone support
24/7 award-winning local Technical Helpdesk
24/7 Technical Helpdesk
24/7 support via email
24/7 Technical Helpdesk. Can't provide support for EFTPOS device, however
Nationwide onsite support
Nationwide onsite support for fast terminal swaps and servicing
No onsite support — phone/email only
No onsite support — email only
No onsite support
Add ons & features

Industry-leading value-added features
A good range of features, limited hardware innovation
Good Enterprise features
Depends on EFTPOS provider
Ecommerce
Available
Not Available
Available
Available
Pay by Link
Available
Not Available
Available
Available
Virtual terminal
Available
Not Available
Available
Available
POS integration
Compatible with 700+ POS systems – the largest integration footprint in NZ
Limited POS integration
Compatible with a range POS systems
POS-compatible, depends on EFTPOS provider
Reporting portal
Free real-time reporting for EFTPOS and online transactions

Real-time, EFTPOS-only transactions
Free real-time reporting for EFTPOS and online transactions
Strong data tools available — typically for enterprise clients
Standard surcharging
Available
Limited availability
Available
Available
Custom branding
Android terminals support full-screen branding and receipt customisation
Logo on receipt only. No on-screen branding
Supports on-screen branding
Receipt customisation only
Custom payment apps
Available
Not available
Not available
Not available
POS on-device
Available
Not available
Not available
Not available
Reporting on-device
Available
Not available
Not available
Not available
Preferred supplier to major banks