How to use EFTPOS machine without card?

Depending on your needs, Westpac can provide the following:


Some benefits to having EFTPOS payments available in your business:
  • Allows you to accept Debit cards.
  • Reduces the risk of fraud with assured payments and 24/7 availability of service.
  • Improves cash flow for the business with funds credited into your account the same day.
  • Reduces transaction time and provides convenience to your customers.

EFTPOS and credit cards

Allows you to accept debit cards along with Scheme credit / debit cards. Westpac offers:
  • The ability to accept payments face-to-face with your customers, and as "card not present" – when your customer is not there with their card at the time the payment needs to be made.
  • Standalone and mobile EFTPOS terminal rental.
If you're a member of one of our selected Industry Associations, we can save you money on your credit card processing with special banking deals. Find out more about Westpac's Association packages.

EFTPOS and credit cards with contactless acceptance

Contactless is a payment feature allowing cardholders to pay for purchases by simply holding their card close to the card reader on the contactless terminal, without needing to swipe the card or select an account. Purchases in New Zealand of under $80 will not require a PIN or a signature on a receipt.Cards capable of making contactless payments will either say MasterCard®PayPass™ or Visa payWave on the front.Contactless cards contain embedded secure antennae that safely transmit information to and from contactless terminals. It’s like paying with the exact amount needed without handing over a card, which makes purchases of under $80 fast, simple and convenient.

Contactless payments: are they safe?

Making a contactless payment is just as secure as making a payment by dipping or swiping a card, and you will find that some of your customers prefer it as the card never leaves their possession during the transaction.To make a purchase, the transaction must first be initiated on the terminal then the card needs to be held within 4cm of the contactless card reader on the terminal. There’s no need to fear multiple payments, even if your customer unintentionally taps their card twice.As long as your customers have complied with their Credit Card Conditions of Use applicable to their card, if the unlikely happens and an unauthorised transaction does occur they are protected by MasterCard’s Zero Liability policy or Visa’s Zero Liability policy.

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