With Contactless – ANZ FastPay® Next Generation just got faster.
ANZ FastPay® Next Generation just got faster and brighter with a new Contactless Card Reader. It’s a great way for you to securely accept credit card, debit and EFTPOS card payments 1. wherever you are. 2
- Upgraded ANZ FastPay ® Next Generation app for Apple and Android smartphones and tablets.
- Securely take card payments by tapping, inserting or swiping the card
- Online desktop portal allowing you to reset your ANZ FastPay ® Next Generation app log in PIN, resend customer receipts, view transaction history and detail, as well as export transaction reports https://fastpayportal.anz.com
Click ‘Apply now’ to complete a quick and easy ANZ FastPay ® Next Generation application form.
Mobile and contactless payments? Too easy.
Your customers can pay the way they want to: by simply tapping, inserting or swiping their card. If they have ANZ Mobile Pay, Apple Pay® or Android Pay™, they can even tap their phones. And you can send SMS and email receipts directly to them.
Same day settlement for better cashflow.
ANZ FastPay® Next Generation delivers same day access to your takings in your linked ANZ Business Account for transactions settled before 6.30pm AEST/AEDT.
- Additional devices: With ANZ FastPay® Next Generation, you can have as many Card Readers and smartphones/tablets linked to your account as you’d like, with all your takings settled into the one ANZ Business Account.
- Additional users: Each user can have their own Card Reader, or Card Readers can be shared across multiple users.
- Multiple businesses: Flexibility of setting up multiple businesses on the same iPhone, iPad or Android™ device (NB. Each business will have its own Card Reader/s).
- Online reporting: You can now export all transaction information to Microsoft Excel or a .CSV file via the use of the new ANZ FastPay® Portal.
- Easy receipting: The convenience of sending receipts directly to your customers by email and SMS.
- Limited or Unlimited transaction limit: You can apply for either a $3,000 weekly transaction value cap or an unlimited weekly number and value of transactions.
A better, brighter colour screen
The FastPay® Next Generation new back-lit colour card reader screen, makes it easy to see, whether it’s used inside or outdoors.
Utilising audio jack technology, the ANZ FastPay® Card Reader plugs into your smartphone or tablet, so you can tap, insert or swipe your customer’s card to accept payment. ANZ FastPay® Next Generation now accepts EFTPOS payments, credit and debit cards. 2
For users of an iPhone 7, you can use the Apple supplied lightning to audio jack adapter to connect your ANZ FastPay Card Reader.
Security you expect, protection you deserve
ANZ FastPay® Next Generation and the new Contactless Card Reader meet all current Australian security standards.
ANZ FastPay® Next Generation delivers the security you expect with the fraud protection you deserve. The plug-in Card Reader allows you to securely take PIN transactions when required on EFTPOS, credit or debit card payments. It also reduces the risks of handling cash and boosts customer confidence in knowing their transaction is secure.
Accepted Card Schemes
ANZ FastPay ® Next Generation makes getting paid easier, by letting you accept EFTPOS, credit and debit card payments on the spot anytime, anywhere. 2
How to set up ANZ FastPay Next Generation
If you haven’t already, start by applying for an ANZ FastPay® Next Generation Merchant facility online. Once your application for an ANZ FastPay® Next Generation Merchant Facility is approved and you have received your card reader, download the app, plug in the card reader and you’re ready for business.
Accessibility options for ANZ FastPay Next Generation
ANZ is making improvements to the existing ANZ FastPay® merchant facility that will deliver improved customer security when processing card payments on the go 1 .
These improvements include the introduction of a new scrambled PIN entry method for added security, via the use of the ANZ FastPay® Card Reader with the ANZ FastPay® Next Generation app.
Some Merchants and cardholders with visual impairment may have difficulties in reading the Card Reader’s screen, and will not have the ability to utilise the accessibility options on the smartphone or tablet, as the Card Reader is inserted into the audio jack.
If you or your customer experience any challenges in using the ANZ FastPay®Next Generation app and Card Reader, please refer to your options below.
If your customer/cardholder is visually impaired:
Please select the Mail Order / Telephone Order (MOTO) option when processing the transaction.
If you do not have MOTO enabled, please call the Merchant Contact Centre on 1800 790 232 and they will be happy to assist you.
Please advise the support staff that you have a visually impaired cardholder that requires you to process a MOTO transaction.
If you as the Merchant or any of your employees are visually impaired:
Please call our Merchant Sales Team on 1300 366 988 to discuss merchant facility options that will cater for your specific needs.
Please advise the support staff that you have a user that is visually impaired.
ANZ FastPay® Next Generation only available to approved merchants who meet ANZ’s credit approval criteria and have an ANZ business account. Terms and conditions, fees and charges, and settlement times apply to the use of ANZ FastPay® Next Generation. ANZ FastPay® Next Generation processes Visa and MasterCard credit and debit cards and EFTPOS cards as well as American Express credit cards. If you wish to accept American Express cards then you need to contact American Express directly.
Use of ANZ FastPay® Next Generation requires a cellular or wireless internet connection. Temporary service interruptions may occur.
A minimum Merchant Service Fee of $10 (including GST) a month applies to Visa and MasterCard transactions.
Enacted when the ‘SAVINGS’ or ’CHEQUE‘ function is selected on the ANZ FastPay® Next Generation Merchant facility.
All applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions apply and are available on application. Fees, charges and eligibility criteria apply.
Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you. ANZ recommends you read the Terms and Conditions and the Financial Services Guide which are available on anz.com or by calling 13 13 14 before deciding whether to acquire, or continue to hold the product.
Apple, the Apple logo and iPhone are trademarks of Apple Inc. registered in the U.S. and other countries. Apple Pay is a trademark of Apple Inc..
Android, Android Pay and the Android Logo are trademarks of Google Inc.
ANZ FastPay® Next Generation Merchant operating guide for iOS can be viewed here .
ANZ FastPay® Next Generation Merchant operating guide for Android can be viewed here .
ANZ FastPay® Next Generation Merchant operating guide ANZ FastPay® Portal can be viewed here .
Small businesses can accept payments on-the-go
National Australia Bank’s (NAB) small business customers will be able to accept credit card payments on the move via mobile phones and tablets under the latest upgrade to mobile banking platforms unveiled.
The increased functionality on NAB’s Business Banking merchant platform, NAB Transact, will enable businesses to take credit card payments without the need for a merchant terminal or additional device.
The latest upgrade continues NAB’s ongoing transformation to improve the experience for our customers – both for business and consumers.
David Gall, Executive General Manager, Working Capital Services, NAB said we’re providing an easier and more convenient alternative for our customers to receive payments and improve their cashflow.
“Small businesses are time poor, and cash flow is critical. They need solutions to allow them to take payments from customers in an efficient and timely manner.
“Whether that be a personal trainer who spends the majority of their time outside an office, or sole traders who are travelling between customers without access to a payment terminal and in the past could only accept cash or cheques or write out an invoice for their service,” Mr Gall said.
Accepting payments via a mobile phone reduces the administrative burden of invoice payments via cash and cheque and allows true mobility for those businesses who are out on the road. Transactions occur in real time so the risk of fraud is also significantly reduced as the payment outcome can be seen on the spot.
The new functionality is available now to all existing NAB Transact customers at no extra cost through all smartphones or tablets. No software or app is required as NAB Transact is accessed from the device’s web browser.
The new solution for small businesses follows recent upgrades to NAB mobile banking apps for iPhone and Android devices that enable customers to do more on their mobile, quickly and safely.
Mobile Banking is NAB’s fastest growing channel with 300 per cent growth in the last year, meaning one in three NAB internet banking logins now done on a mobile device.
NAB has led the industry in making mobile internet banking available on any smartphone or tablet.
M: +61 (0) 429 566 676
Converge Mobile – Accept Credit Card Payments on the App Store #converge #mobile, #accept #credit #card #payments, #elavon, #finance, #business, #ios #apps, #app, #appstore, #app #store, #iphone, #ipad, #ipod #touch, #itouch, #itunes
Converge Mobile – Accept Credit Card Payments
Open iTunes to buy and download apps.
Accept credit and debit payments anywhere, anytime with this intuitive, easy-to-use mobile application that turns your smartphone, tablet or mobile device into a secured, affordable point-of-sale solution. Converge Mobile is a free mobile app that is an extension of Converge, an omni-commerce solution that allows you to process payments in person, via phone or telephone order, online, and using a mobile device. Converge Mobile supports EMV chip card transactions using an encrypted EMV card reader.
• Accept PIN debit and credit cards, including mag stripe, chip card and contactless payments, like Apple Pay™
• Record cash transactions
• Automatically calculate discounts and taxes and offer tips
• Email customer receipts
• Help protect cardholder data with an encrypted, chip card device
• Use an unlimited number of supported iOS or Android devices
Converge Mobile is for any size business that needs to process transactions on the go. If you accept card payments on the road, then Converge Mobile will likely save you time and money, while improving the checkout experience for your customers. It can also be used at your location for payments during peak sales seasons, essentially creating a new checkout line without the added expense.
Getting started is easy!
1. Establish a customer account with Elavon, directly or through one of many partners, and get a card reader (set up cost associated). If you do not have an account, follow the link at the bottom of the page.
2. Download the Converge Mobile App for free!
3. Open the App and enter a Device PassCode of your choice. You will be required to enter this security passcode each time you access the app. Note: If you do not have an Elavon customer account, select the ‘I don’t have an account’ option at bottom of the Welcome page.
4. Follow the simple set up instructions and start taking payments anywhere, anytime!
Note: If you need a card reader to accept cards, contact your sales representative or account manager.
For more information please visit: www.elavon.com/convergemobile or contact Elavon to establish a customer account.
What’s New in Version 1.3.1
•Ability to add gratuity using the Ingenico iCMP card reader
•Landscape mode for iPad
Can You Build Credit with a Debit Card? #build #credit, #credit #card, #credit #history, #debit #card, #secured #card, #utility #payments
Can You Build Credit with a Debit Card?
I m trying to establish a positive credit history. I ve been paying my power bill and my telecommunications, internet and cable bills on time every month for over a year now with a debit card. My question is, can I report the bill payment history to the credit bureau or have the company send it? Or can I have the debit card company report to the bureau? Also, can you build credit with a debit card?
A Debit Card Cannot Help You Build Credit
Purchases made with a debit card do not help you build credit. When you use a debit card, the funds are automatically taken directly from your checking account, so it is essentially a cash purchase.
Banks do not report debit card accounts to Experian or the other credit reporting agencies.
Utility Payments Are Typically Not Reported to Experian
Currently, utility companies do not typically report directly to the credit reporting agencies, and neither you nor your banking institution would be able to report a record of payments on their behalf.
In recent years, there has been some discussion of the possibility that utility companies might begin reporting positive payment history, so it’s possible that you may see your utility accounts on your credit report in the future. Until then, however, your on-time utility payments probably won’t help you build your credit history.
Keep in mind that even though making on-time utility payments may not help you build your credit history, it’s still in your best interest to do so. Failing to pay a utility bill can have serious consequences, such as hefty fees and the possibility that the account will be sent to collections. Once sold to a collection agency, it’s likely that the account will appear on your credit report.
Collection accounts remain on your credit report for seven years from the original delinquency date. and they usually have a very negative impact on credit scores.
How to Begin Building Credit
In order to build a strong credit history. you will need to demonstrate your ability to manage credit wisely. If you are just starting to establish credit and do not yet have any credit accounts, here are a few ways you can begin:
- Apply for and open a credit card account. Apply for a credit card with your bank or credit union first. You may be more likely to be approved because you already have an account in good standing with them.
- Consider opening a secured credit card. Even if you are unable to qualify for a traditional credit card right away, you may be able to open a secured card. With a secured card, the bank will require that you open a savings account. The credit card limit will be tied to the balance in the account. That “secures,” or protects the bank, if you do not repay the charges you make. Secured cards usually have a small credit limit.
Use the card the same way you would a traditional credit card, charging small amounts and paying your balance in full each month. If you are able to demonstrate responsible use of the card, in time the bank may be willing to convert the card over to a regular, unsecured, credit card account.
Most banks report secured cards to the credit reporting agencies, so you may be able to use the account to begin building credit right away.
As an authorized user, you won’t be responsible for making payments, but will still have access to use the account. Although both options can help you begin building credit, not all creditors report authorized user accounts to the credit reporting agencies, so you may want to ask first.
Thanks for asking,
The “Ask Experian” Team
Good credit begins with knowing where your credit is today. Get started with your free Experian Credit Report, updated every 30 days on sign in. No credit card required.
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Audio: 4 Financial Readiness Tips for Veterans & Military Families
Companies Compete to Buy your Annuity Payments
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Can I Sell My Annuity?
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In today’s market, there has never been a better time to comparison shop your annuity payments. The current unstable financial industry has both impacted the financial outlook of some major insurance companies, as well as simultaneously impacting some of the sources of capital that advanced funding firms utilize in order to purchase your annuity payments. These two current financial changes are now leaving a wide discrepancy in cash offers from different funding firms. Without getting multiple bids, you could potentially end up accepting an offer that you could have received thousands more for.
A more flexible payment plan offering to buy some of your payments.
If your annuity is deferred, you might have to pay steep surrender fees to cash out. If your annuity had already started making payments, you previously had no options. Now, Settlement Funding Firms are able to offer substantially more buyout cash than the insurer themselves. You can sell all or just a portion of your future annuity installment payments. Top Funding Firms will review your payments, and make cash offers on some or all of your payments. Search your options, get maximum cash back.
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The 15 Most Popular Online Payment Solutions #ecommerce,mobile #payments,paypal,finance,online #payment,digital #payments
The 15 Most Popular Online Payment Solutions
Serial entrepreneur, mentor, advisor and co-founder of YoungEntrepreneur.com
December 6, 2016
There s no denying that when it comes to accepting and receiving payments, PayPal is the reigning champion. In fact, it s the de facto online payment solution for online customers, freelancers, and business owners.
While people tend to love PayPal for a variety of reasons, technology has opened the door for a number of competitors to challenge PayPal by offering cheaper frees, faster transactions, and enhanced security. Here are 15 of those alternatives.
Due made a name for itself through its innovative time-tracking and invoicing tools, which are especially useful for freelancers and small business owners. More recently, Due has allowed users to start accepting secure online payments for just a 2.7 percent transaction rate. Due also accepts global payments, which typically occur within two business days, as well as a digital wallet to send or receive money to anyone in the world instantly with little to no cost. It even has an e-bank where you can store your cash online.
Stripe has fascinated users for the last couple of years with its powerful and flexible API. This means that you can tailor the platform to meet your specific needs, whether you re running a subscription-based company or an on-demand marketplace. Stripe integrates with hundreds of other applications, so even if you re not a professional coder, you can get up and running quickly. The lack of setup, monthly, or hidden fees is an added bonus.
Dwolla has similar features to PayPal when it comes to transferring funds, but thanks to its API, it focuses more on bank transfers, or Automated Clearing House (ACH) payments. so users can create a customized payment solution where payments are received within a day. Best of all, transactions are free.
4. Apple Pay
If you re a merchant, then it s time to consider accepting Apple Pay. Transactions are faster and more secure, since Apple Pay uses touch ID confirmation. In other words, a customer can use their fingerprint to pay for their takeout pizza. Apple Pay is still relatively young, but don t be surprised if the service will adapt to support older machines. Also, word on the street is that Apple is working on a P2P payments system within iMessage.
Payoneer is one of the oldest global payment processing services. It is available in more than 200 countries and accepts 150 different currencies. Receiving payments is free, and the platform includes a flexible API that grows with your business. Like PayPal, you can receive a plastic MasterCard if you aren t ready to go 100 percent digital.
2Checkout is another trusted payment platform that allows users to accept credit cards, debit cards, and PayPal globally. It s available in 87 different languages, offers advanced fraud protection, integrates with hundreds of online shopping carts, and allows you to automatically bill customers with recurring billing.
7. Amazon Payments
If you want to give customers peace of mind, then accept payments through Amazon. Whenever they make a purchase on your site, they automatically go through Amazon s checkout. This means that they ll use their Amazon credentials, which makes the checkout process more convenient and trustworthy.
Square changed the game when it introduced its magstripe reader, allowing business owners to swipe credit cards anywhere for a 2.75 percent transaction fee per swipe. However, you can also send electronic invoices, and ultimately get paid, through the Square Cash App.
With this popular service, you can send or receive payments from anyone in the world in just a matter of minutes. It also has a cool and easy-to-use interface, offers a robust and unique security system, and provides dedicated support and it s free to sign up. What s most interesting about Payza is that on top of receiving and withdrawing funds from a bank account and credit card, it also accepts bitcoin.
Skrill has become a popular alternative to PayPal thanks to features like instant withdrawals and deposits, low transaction fees, exclusive offers, the ability to accept from 40 currencies, and being able to send text messages directly from your account. If you refer a friend, the company will put 10 percent of the fees they generate from paying or sending money into your Skrill account for an entire year.
Even though PayPal acquired Venmo, the fundamental principles are different between the two. PayPal is used for making simple transactions for either personal or professional purposes. Venmo is used by individuals who consider themselves social spenders. In other words, it s like a hybrid of PayPal and a social network like Facebook, since transactions are shared on an online feed. So whenever a friend pays back a friend, it s shared publicly.
12. Google Wallet
Once known as Google Checkout, Google Wallet is an online payment service that allows users to send safe, simple, and speedy money transfers from their browser, smartphone, or Gmail account. You can store credit cards, debit cards, loyalty cards, and even gift cards to your account.
WePay prides itself on its top-notch customer service and fraud protection. Merchants, however, like the fact that customers can make their purchases without having to leave their site, thanks to a virtual terminal. WePay also offers Know Your Customer collection and risk management and can be used for invoicing, event ticketing, and marketing automation.
14. Intuit GoPayment
Intuit is almost indispensable for a small business owner. Besides being able to accept payments both online and in person with the mobile GoPayment credit card processor, Intuit can assist you with payroll and calculating taxes. The most promising features is the low monthly rate of $19.95, which only charges a 1.6 percent charge for credit card swipes, as opposed to the standard 2.40 percent rate.
You can t leave out Authorize.net. After all, it s been processing payments since 1996! It s also the Internet s most widely-used payment gateway and has been the recipient of the Achievement in Customer Excellence (ACE) award from 2008 to 2016. Even though the company has been around for twenty years, it stays current with trends, like being able to accept Apple Pay. No wonder the company is so widely regarded!
Today, online businesses have more payment platform options than ever before. Each platform comes with its own advantages and fallbacks, and it s up to you to find out which is best for your business. Which payment platforms have simplified your business transactions in the past? Which platforms do you plan on trying?
Screenshots taken on 11/15/16
Editor s note: Due is a content partner of Entrereneur.com.
6 Challenges for Family Businesses (and How to Overcome Them)
Adam Toren is a serial entrepreneur, mentor, investor and co-founder of YoungEntrepreneur.com. He is co-author, with his brother Matthew, of Kidpreneurs and Small Busines.
About AIBMS – AIB Merchant Services #aib, #merchant #services, #credit #cards, #payments, #payment #processing, #solutions, #terminals, #authipay, #ecommerce
Privacy & Cookies Policy
About AIB Merchant Services
AIB Merchant Services is one of Ireland’s largest providers of payment solutions, with extensive operations in Ireland and Britain, and with card processing capabilities throughout continental Europe. We process millions of payments every day, and deal with every major credit and debit card accepting payments in every channel we can. In a rapidly transforming industry, we remain at the cutting edge consistently providing superior customer service.
Some of the world’s most significant companies and public bodies trust us to take care of their customer payments, for good reason.
Evolution is the keyword in the payments industry and evolution is what drives the products and services we provide to the new generation shopper.
Our innovative new Clover™ system was awarded “Best Innovation ” at the Card and Payments Awards 2015 and “Best Acquirer ” at this years MPE Awards, a welcome addition to add to our Best Acquirer MPE award in 2014.
Our expertise and innovation, together with our partner relationships, are at your service.
Global Corporate Expertise
There’s a reason Europe’s largest businesses partner with AIB Merchant Services.
It’s the unparalleled services we offer, specialised for each sector and tailored specifically to requirements. With over 30 years of acquiring experience, we provide our clients with sharp sectorial insight, along with the capability to act on this knowledge.
Dedicated corporate account management teams mean our clients can pick up the phone and talk to us whenever they need to. We work closely with our clients, developing long and successful relationships.
Through cutting edge technology and flexible reporting abilities, we deliver consistent solutions that work for our corporate clients. We guarantee that we can do the same for you.
If you’d like to partner with an award-winning acquirer, let us show you just how much value our expertise can add to your business.
Get in touch and let us help your business
Are you interested in trying one of our products?
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