New Zealand Merchant Activation Guide

Requirements for Accepting Visa and MasterCard

If you want to accept Visa and MasterCard, Payment Express customers / merchants need to contact either: ANZ (NZ), ASB, BNZ, Kiwibank or Westpac (NZ).

At present, the only bank in New Zealand which supports multi currency transaction processing is BNZ. Please click here for more information.

Please make sure to advise your banking representative that you are using Payment Express and that you need an 'electronic merchant number' (sometimes called a terminal ID) from your bank for Payment Express to process transactions. If your bank is ASB, the type of electronic merchant number to request in an ETSL number. If your bank is ANZ then please request an EFTPOS number. If your bank is BNZ, please request a BNZ merchant number. If you will be going through Westpac, you will need a MAF merchant number.

ASB Bank Yes Yes Yes Yes
Citibank Yes Yes Yes Yes Yes
Kiwibank Yes
Westpac NZ Yes Yes Yes Yes
American Express Yes Yes
Diner's Club Yes Yes Yes

ASB Bank

ASB Bank merchants requiring an ecommerce facility are enrolled for 3D Secure by default and must implement our hosted payment solution PxPay 2.0. Merchant numbers are in the format '805XXX' or '806XXX'. For Preauthorisation and completion please contact ASB to enable, for more information see below.


ANZ merchants requiring an ecommerce facility will need EFTPOS numbers in the format 'DXXXXXXX'.


BNZ merchants that require NZD processing only must request an 8 digit merchant number (format: 'XXXXXXXX'). BNZ merchants that require multi currency processing must provide two BNZ Merchant Numbers; one for NZD and one for international currencies. BNZ merchants that are only processing NZD transactions will only need to provide one BNZ merchant number.


Kiwibank merchants that require NZD processing only must request an 8 digit merchant number (format: 'XXXXXXXX').

Westpac New Zealand

Westpac New Zealand merchants requiring an ecommerce facility are enrolled for 3D Secure by default and must implement a Payment Express Hosted Solution. Merchant numbers are in the format '33XXXXXXX'


Card Acceptor Name This is the name that appears on the card holders' statement. This field must have no more than 25 characters.
Card Acceptor Location This is the physical location of business operation. This is usually the town or city of your business.
Merchant Category Code Your bank will assign you with a merchant category code based on your business type.

The information listed above relates to the specifications Payment Express uses to configure our payment host, to your merchant account, for real time credit card authorisation.

Please contact your banks' help desk on the numbers provided below to receive this information (if you are already set up for 'Card Not Present' processing). Alternatively, you may need to apply for a facility to process ecommerce transactions. Please speak with your banking representative about this.

Requirements for Accepting American Express and JCB

For processing of American Express and JCB cards, Payment Express customers are required to obtain an American Express "merchant number" and "terminal ID" exclusively for Payment Express use.

If you are an existing American Express merchant call American Express directly on 0800 800 855 option 3 and ensure your current merchant number is exclusively in use with Payment Express. If not please request an additional merchant number exclusively for Payment Express use. Please also request that American Express issue a terminal ID for the Merchant number to be used in Payment Express processing. The "terminal ID" provided by American Express will take 1-2 business days to be loaded by American Express.

If you are not currently an American Express merchant call American Express directly on 0800 800 855 option 4 and discuss becoming an American Express merchant, requesting a "merchant number" and "terminal ID" for Payment Express use.

We can load this merchant number as soon as you give us the terminal ID and at that stage we can tell you if it is active yet or not. If the terminal ID is not active when Payment Express load it you will need to follow up with American Express Directly on 0800 800 855 option 3 to confirm if/when your terminal ID is operational.

American Express Yes Yes

Requirements for Accepting Diners Club

To process Diners, Payment Express requires your Diners Merchant Number. Please contact Diners directly on 0800 280 544 and be sure to identify yourself as a Payment Express customer.

Diners Yes

3D Secure Authentication

Currently, all users of Payment Express hosted solution PxPay 2.0 can use a MPI (merchant plug-in) developed by Payment Express for 3D secure authentication at no additional cost. To enable this functionality, you will need to enrol as a 3D Secure merchant with your bank. This feature is a mandatory requirement for all ASB and Westpac merchants.

Once you have enrolled, you (the merchant) will be provided with a 'Visa Merchant ID', 'MasterCard Merchant ID' Visa Merchant Password' and Merchant Category Code'. You will need to provide this to Payment Express prior to activation, along with the website activation checklist

Preauthorisation / Completion (Tipping)

Preauthorisation / completion is a two stage transactional process which involves validating a credit card in its first phase before completing the transaction. To facilitate this type of transaction, preauthorisation / completion or tipping as it is sometimes known as must be enabled at your bank.

If you would like this feature enabled, please advise Payment Express at time of activation.

Extended Booking Info / CPC (Corporate Purchase Cards)

Extended booking info allows you to send 2nd and 3rd level transaction data to Payment Express which will be displayed on the card holder's statement. At present this is only available through American Express. If you wish to have this facility please inform American Express and Payment Express at time of application.

Acquirer Contact Information

The contact numbers listed below are to be used as a guide to contacting the merchant services departments of each of the acquirers that Payment Express has connectivity to in New Zealand. If you already have a banking representative for your business, please contact them directly.

ANZ NZ 0800 473 453
American Express 0800 800 855
ASB Bank 0800 272 555
BNZ 0800 801 033
Citibank +649 9 307 1902
Diners Club 0800 280 544
Farmers Card 0800 101 170
JCB 0800 800 855
Kiwibank 0800 601 601
Q Card 0800 11 7000
Westpac 0800 888 066