What is Online EFTPOS?

Online EFTPOS enables you to pay online with your smart phone directly from your bank app. Not only is it a safe and easy way to pay online, it's also one of the most secure account-to-account payment methods available today as you never need to expose your banking credentials to complete a payment.


How it works

 To pay, you simply select your bank and enter your mobile number, then approve a payment notification within your bank app. That's it.

Currently available to ANZ, ASB, BNZ, The Co-operative Bank and Westpac customers.


How do I use Online EFTPOS with my bank app?

For specific information for you bank app, please click on the bank logos: 


Frequently Asked Questions

How secure is it?

Online EFTPOS is a secure payment method. Unlike other similar account-to-account payment methods, Online EFTPOS does not ask you to expose your bank credentials at any part during the transaction, and you can only approve the payment via your banking app. If you suspect a fraudulent transaction, please contact your bank immediately.

Why do you ask for my mobile number?

Your mobile number is used to match you to your bank account and means you do not have to enter a credit card number. 

How long does it take for the payment to go through?

If the funds are available, the money goes through right then and there. No hassle.

How is my data used?

The only data of yours that we collect is your mobile number, or your bank customer ID number, for the purpose of processing the payment you have requested. We record the time, date and purchase amount of your payment and we retain this for up to seven years as required (regardless if your payment is completed or declined in your bank app). This information is used if you require a refund from the merchant you purchased from to match you to the refund request. We do not collect or store your bank account details.

See our privacy policy for more information.

What should you do if you suspect a transaction is fraudulent?

If you suspect there is any fraudulent activity, please contact the merchant immediately where the transaction has occurred to ensure fulfilment of any goods is stopped. We also recommend notifying your bank. We can assist your bank on their investigation when required.

What happens if I need a refund?

Contact the merchant you originally bought from.  Once the merchant has approved the refund at their end, they can refund you and you’ll receive the money back into your bank account immediately if you bank with ASB, BNZ, Westpac or The Co-Operative and the next day if you bank with ANZ.

What should I do if I need to dispute the payment?

Please contact the merchant you purchased the goods or services from.  We can help you if you require more information about the transaction to support your enquiry with the merchant, please contact [email protected].

Who do I contact if I still have questions?

If you have a question, suggestion or you'd like to make a complaint, please contact [email protected]

Can I still pay with Online EFTPOS as a Heartland Bank customer?

From 25th July 2022, Heartland Bank customers can no longer make a purchase online with Online EFTPOS.

I don't bank with one of the above banks - when can I use Online EFTPOS?

The Online EFTPOS team is currently working to bring on other banks. They will happily pass on your feedback if you drop them an email at [email protected]  to let them know who you bank with and how much you’d love to see Online EFTPOS! If you feel generous to contact your bank directly, it’ll help them even more.

100’s of clever Kiwi retailers already use Online EFTPOS at checkout. Shop at one today.

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