Secure online payments from a smartphone

What is Online EFTPOS?

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

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.

FAQ Steps 1 3 1

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

Banks 1

 

I don't bank with one of the above banks - when can I use 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 oe@paymark.co.nz 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.

I don't have the relevant bank app on my phone. Where can I get it?

I don't have the relevant bank app on my phone. Where can I get it?

Look for ASB, "Westpac One", Cooperative or Heartland bank apps on the Google Play Store (Android) or iTunes App Store (iPhone).

What do I do before I start using Online EFTPOS?

What do I do before I start using Online EFTPOS?

If you use your bank app regularly, you shouldn’t need to do anything specific to start paying with Online EFTPOS. If you have recently installed your bank app, or haven’t used it regularly, please check a few things before you start:

 

For ASB Bank:

1. Check you have the latest version of the ASB Mobile App.

2. Turn on "Receive payment requests" in your Settings (this is under Online EFTPOS).

3. Ensure you are Netcode verified within the ASB Mobile banking app.

For more information click here

 

For Westpac:

1. Check you have the latest version of the Westpac One app.

2. Ensure you have a Westpac Everyday account, Simple Saver or Choices Everyday account.

3. Ensure your mobile number is registered and authenticated.

For more information click here 

 

For The Co-operative Bank:

You’re automatically set up on The Co-operative Bank Mobile App.

 

For Heartland Bank:

You’re automatically set up on your Heartland Mobile App if you have a YouChoose account.

I didn't receive a payment request in my banking app.

I didn't receive a payment request in my banking app.

There might be a few reasons why you didn’t receive a payment request in your banking app.

1. Please allow up to 40 secs for a notification to arrive into your bank app. You can refresh the app or log out and log in to make sure that the app has refreshed.

2. Please double-check that you have used the mobile phone number that is registered against your bank app.

3. If the number is correct but no payment request is received after 40 secs, please check you have enabled the relevant settings on your bank app. If you're unsure of which settings will allow Online EFTPOS payments, we would recommend reaching out to your bank for assistance.

How long do I have to approve my payment?

How long do I have to approve my payment?

You have four minutes from the time of sending a payment request to log into your bank app to approve the transaction.

How secure is it?

How secure is it?

Online EFTPOS is the most secure payment method today because Online EFTPOS doesn’t ask for your payment and bank credentials and you can only approve each payment via your bank app.

What’s the most I can spend using Online EFTPOS?

What’s the most I can spend using Online EFTPOS?

You can use Online EFTPOS as many times as you want within your daily limit. The daily limit may vary per bank and per customer. If you are unsure, please contact your bank for assistance.

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

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.

What happens if I need a refund?

What happens if I need a refund?

Contact the merchant you originally bought from. They can refund you and you’ll receive the money back into your bank account immediately.

Frequently Asked Questions for Merchants

Can I still offer my customers Online EFTPOS if my business doesn’t bank with a bank that offers consumers this payment option?

Can I still offer my customers Online EFTPOS if my business doesn’t bank with a bank that offers consumers this payment option?

Yes. Online EFTPOS is available to all businesses via Worldline's payments network.

When will more banks come on-board so all my customers can pay using Online EFTPOS?

When will more banks come on-board so all my customers can pay using Online EFTPOS?

Our goal is to have Online EFTPOS available to anyone with a New Zealand bank account and we are currently working with a number of banks to achieve this.

When do I receive funds for my Online EFTPOS transactions?

When do I receive funds for my Online EFTPOS transactions?

In most cases funds for approved transactions will settle into your account overnight. The Online EFTPOS settlement window is from 11pm to 10:59pm the following evening. That means that all approved payments and refunds performed during this time will be reflected in the amount that is settled into your bank account. If you’d like to reconcile the amount you’ve received, simply retrieve a full list of approved payments and refunds via the Online EFTPOS API.

Does my bank charge the Merchant Service Fee (MSF) for Online EFTPOS transactions?

Does my bank charge the Merchant Service Fee (MSF) for Online EFTPOS transactions?

No. Online EFTPOS does not attract the Merchant Service Fee from your bank.

How does Worldline bill for Online EFTPOS?

How does Worldline bill for Online EFTPOS?

Your Worldline Statement Invoice will reflect all approved Online EFTPOS transactions from the previous calendar month. We do not currently bill for declined transactions or refunds.

Can I process reoccurring payments with Online EFTPOS?

Can I process reoccurring payments with Online EFTPOS?

Please talk to us, we might make this happen.

How can my customers receive a refund for payments made using Online EFTPOS?

How can my customers receive a refund for payments made using Online EFTPOS?

Your customers will contact you directly for refund-related queries. If you have been authorised to process refunds, you will be able to process refunds directly from your merchant portal. Once processed, the refunded amount will appear in your customer’s bank account immediately. Please contact us at support@paymark.co.nz or on 0800 729 627 if you would like us to consider enabling refunds for your account.

How can I cancel Online EFTPOS?

How can I cancel Online EFTPOS?

Send an email to support@paymark.co.nz and one of the Worldline team will action your request.

How can I reset my Insights / Online EFTPOS password?

How can I reset my Insights / Online EFTPOS password?

On the login page, click the 'Forgot password?' link below the login button. You'll then be prompted to enter the email address you use to login with. An email containing a link to reset your password will then be sent to that address. Please be aware the link will only be active for a period of 60 minutes. When choosing a new password, please ensure that it is at least 8 characters long. Use a mix of upper case and lower case letters and include a number or a special character (!,@,$,%…).

Can I use the same email address for Online EFTPOS and Insights?

Can I use the same email address for Online EFTPOS and Insights?

Not at this time. Please use a separate email address for each portal.