Comparing EFTPOS providers?

Shift4 includes a fixed monthly fee for transaction processing, whether you use it or not. That can make sense at higher volumes, but for smaller or variable businesses, you may end up paying for transactions you haven’t taken.

Some pricing only applies up to a set limit (e.g. the first $4,000–$12,000 per month). Once you exceed that, additional fees apply, so your effective rate can change as you grow.

Shift4 doesn't support surcharging on their Low Cost Tap & Pay devices. That means you must absorb the cost of accepting contactless and credit card payments, with no way to recoup that cost from the cardholder. 

You'll need to set up a separate arrangement with Worldline and pay an additional network fee, plus it adds an extra step at the point of payment. If your terminal is integrated with your POS, it can't process swiped debit. Shift4 provides a separate standalone terminal so you'll have two devices on your counter.

Shift4 bundles terminal, network, and processing into one contract. That can simplify things upfront, but it also means less flexibility to change providers or negotiate rates over time. To accept swiped debit, you'll also need a separate Worldline arrangement, so it's not quite one provider after all.

Shift4 is a newer entrant to the NZ market. Before you sign a 36-month contract, check that the terminal can do everything your business needs today and that there's a clear roadmap for what's coming. Their low cost Android solution doesn't have multi-merchant for example.

Customise receipts and offer digital options like e-receipts

Optional surcharging, including contactless surcharging

Matched refunds with advanced transaction search, and built-in security features

We build our own solutions in-house and work with partners to bring you an expanding range of payment capabilities, including tipping, split payments, pre-authorisation, offline mode, MOTO, buy-now pay-later, open banking, loyalty, and on-device POS.

New features and software updates delivered remotely in real time

We take care of PCI requirements in the background so you don’t have to think about it

It depends on how your business takes payments. Shift4 bundles fees into a minimum monthly charge and applies rates after a transaction threshold. With Eftpos NZ, costs are more transparent. You pay for your terminal and network separately, and you’re free to choose your merchant provider, so you can optimise your setup over time.

Eftpos NZ provides EFTPOS terminals, online payment tools, and secure payment network services to New Zealand businesses. We help retailers, cafés, service providers, and more accept in-store and online payments with 24/7 local support.

Setup is fast and straightforward. Once you’re ready to go, our team will guide you through the process with your preferred bank to get your terminal up and running as quickly as possible. Most businesses are ready within a few weeks.

You’ll pay a monthly service fee for your terminal and a $15 + GST monthly fee for connection to the Verifone Network. Your bank may charge a one-off setup fee for your merchant facility, and processing fees depending on the payment types you accept. Get a quick quote for a more detailed cost breakdown.

Yes, we have eCommerce payment solutions built to fit every business need, growth stage and development capacity.

Eftpos NZ provides ongoing, comprehensive technical support for our subscription customers, including:

• Award winning, local 24/7 Technical Helpdesk
• Nationwide network of Field Service technicians
• Dedicated Customer Services team
• Online Help Centre with Help articles
• Overnight terminal replacement if required
• Same-day terminal replacement via our network of Rescue Locations
• Optional backup SIM for when Wi-Fi is down
• Software updates and security upgrades
• Terminal configuration changes
• Offline mode (Electronic Offline Vouchers) for temporary offline processing
• Swap Box spare terminal add-on service for instant swap-outs
• Terminal Plus add-on service to help cover the cost of repair and replacement for damaged devices