What it costs an NZ business to take a payment, read from each provider's own published pages. The headline finding is still the gap: most of this market publishes nothing.
Two things changed the maths recently. Interchange caps fell on 1 December 2025 for NZ-issued cards (in-person credit roughly 0.8% to 0.3%) and applied to foreign-issued cards for the first time on 1 May 2026; the Commerce Commission estimated about $100m a year back to businesses. If your merchant service fee has not moved since 2025, that is a conversation to have with your provider. Separately, the Commission chose NOT to regulate surcharging directly, and the government's promised in-store surcharge ban stalled in legislation, so surcharging remains legal with no confirmed date.
Sources: www.buddlefindlay.com · blog.eftpos.co.nz · newswire.co.nz
One rate covers everything. Nothing further to add from a bank.
Read from https://stripe.com/nz/pricing.
| Item | Published fee |
|---|---|
| Online, NZ-issued cards | 2.65% + $0.30 |
| Online, international cards | 3.5% + $0.30 (+2% if currency conversion) |
| In person (Stripe Terminal), domestic | from 2.6% + $0.05 |
| Monthly / setup | none |
Read from https://www.paypal.com/nz/webapps/mpp/merchant-fees.
| Item | Published fee |
|---|---|
| Domestic commercial transaction | 3.4% + $0.45 |
| International commercial transaction | 4.4% + $0.45 |
| Monthly / setup | none stated |
These prices buy the software, not the acquiring. Budget for a bank merchant service fee as well.
Read from https://paystation.co.nz/pricing.
Paystation publishes ex GST; every other figure on this page includes GST.
| Item | Published fee |
|---|---|
| Manual Payment | $19/month + $99 setup · 75 free transactions, then $0.32 each |
| Online Starter | $39/month + $149 setup · 100 free, then $0.45 each |
| Online Growth | $99/month + $149 setup · 300 free, then $0.39 each |
| Online Enterprise | $149/month + $149 setup · 500 free, then $0.36 each |
| SaaS platform transactions | +0.25% ESP fee |
The customer pays from their bank account, so there is no card interchange in the price.
Read from https://www.polipay.co.nz/pricing.
| Item | Published fee |
|---|---|
| Standard | 1.00% per transaction, capped at $3.00 · $10.00 minimum monthly |
| Via Xero | 1.00%, min $0.25 / max $3.00 · $5.00 minimum monthly |
| Not-for-profit | 1.00%, capped at $3.00 · no monthly minimum |
Card-present hardware and the network behind it.
Read from https://eftpos.co.nz/.
| Item | Published fee |
|---|---|
| Verifone Payment Network connection | $15 + GST per month |
| Terminal rental and processing | on application; bank merchant fees separate |
This list is the story. For most NZ terminal providers the fee is discovered in a sales call, which makes shopping around expensive by design.
No supplier pays to appear here. There are no affiliate links, no referral fees and no sponsored placement anywhere on this page. Published by iterate as a public reference. Prices include GST and were read from each supplier's own site on the capture date shown; check the linked page before buying. Spotted a wrong price? Tell us and it gets fixed.