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Secure your payment in advance with a smart app that lets you set aside funds on your customer’s card for goods and services provided in advance of final settlement

Pre-authorisation app

The Pre-authorisation app is perfect for hotels,  car rental companies, clubs, pubs and anyone that needs to reserve funds from a customer’s card in advance for goods and services provided. 

As the name suggests, the Pre-authorisation app allows a merchant to put aside a specific amount of money until the good or service is being provided. After which point the merchant can finalise the transaction.

This is a great way for merchants to reduce the risk of fraud, non-payment or insufficient funds with no inconvenience to their business or customers.

S920 EFTPOS machine pre-auth screen

Making payments easy with pre-auth

Customers in a cafe

Protect your business

Mitigate the risk of fraud, non-payment or no funds by reserving an amount on your customer's card in advance

Colleagues discussing work over a coffee table

Provide services in advance

Offer services such as bar tab, express checkout and more with the ability to "hold" customer funds in advance

EFTPOS terminal on table close up

Settle the transaction easily

Avoid potential errors as the terminal keeps track of all open pre-auth transactions. Finalise and settle the amount without the physical card

Why get pre-auth?

Temporarily "hold" customer funds

Reserve your customer's funds instead of transferring them right away

Perform a card check in advance

Allows you to check a card is valid and active without taking or establishing any amount of funds

Easy to use - two step process

Use the AUTH function to hold funds and FINALISE to complete the transaction. Open transactions can be finalised up to 30 days later

Available free of charge

Pre-authorisation feature is available free of charge to Smartpay customers. Just give us a call to set this up for you

Short term EFTPOS machine hire S920 terminal

How to get started with pre-auth

Merchants must request Pre-auth (hospitality) functionality from their Merchant Bank before it can be enabled on their EFTPOS terminal. Pre-auth transactions can be performed on all scheme (Visa, Mastercard etc.) debit and credit cards. 

Once you have Pre-auth enabled on your Smartpay terminal, please call us on 0800 476 278  to activate this free of charge. 

Learn more about our EFTPOS solutions

Contactless card payment on EFTPOS machine


Take payments on the go with a sleek and versatile mobile EFTPOS terminal


Countertop EFTPOS

Your stylish and reliable companion for taking payments in-store

contactless card payment on EFTPOS machine with beer on the side

Short term rentals

Need EFTPOS for a limited time? Check out our flexible short term rental plans

More reasons to choose Smartpay

EFTPOS for everyone

Mobile, Countertop or POS integrated – we’ve got the EFTPOS solution for you.

Flexible solutions

Need a shorter term? Need extra features? Talk to us about a deal for your business.

Experts on hand

No middle men here. Deal directly with the experts. We develop our own software and service our own terminals.

Built on experience

Nearly two decades of making payments simple for Kiwi businesses.

Locally owned and operated

We’re proud of our Kiwi heritage and passionate about helping you succeed.


What our customers have to say

Based on 160 reviews
Christainson W.
Christainson W.
Smartpay guys are really good, they have excellent customer skills, and they know how to respect their customer. I spoke to Pam L, an agent who assisted me to get my Eftpos machines, she was absolutely amazing, she followed through patiently till the end and was so gracious with all the queries and doubts. She is certainly someone who has a great heart and attitude.Also when I reached outside the hours of pickup, the other agent actually came out of the office and waited for me to handed over the device to me... "that just blew me off", do you really need to do that guys!Thank you so so very much!Chris WelslyChai Wala Bhai
Aurelia Sierra P.
Aurelia Sierra P.
We decided to switch providers from WindCave for their poor service etc. From the "Get-Go" we dealth with Xev. They made it so easy for us. From signing up and making sure we knew what our next step was and ETA's - we were communicated with from the JUMP. Thank you SmartPay team - give my mate Xev a raise or some sort of recognition please.Even after we were all set up - when I emailed for assistance, he referred us onto the help desk team and was so polite and informative. Its always very nerve racking when switching providers and even more so when your liaison is not even informative. We really do appreciate your amazing service Xev!Highly recommend!Team at Health New Lynn
Liza-Kay B.
Liza-Kay B.
Jamie is an amazing rep - he has chased my business, and chased my bank for me. Apart from being friendly and efficient, he was also really good at getting the job done.I have been the worst customer ever - but he got me there in the end 🙂 5 stars and a pay rise for Jamie!
Newtown Union Health S.
Newtown Union Health S.
Great Solution to meld our PMS as a POS, saves so much time.
Bodywise Natural H.
Bodywise Natural H.
Great service and always very helpful.
Tze Wei Daniel T.
Tze Wei Daniel T.
Aran has been super helpful in answering my questions promptly and always quick to reply. Very reliable in registering and starting with Smartpay.
Montrose Cafe B.
Montrose Cafe B.
Excellent service. I have rented mobile machines for past few years for events.They always deliver with great service. Thanks guys
Glam nails &.
Glam nails &.
Amanda, is really good with customer services communication response respectful all sort of things. And very fast handling of efpost machine. Very affordable for new business owners. Very easy to connect. 100/100 recommend. Thank you Amanda. You are the best
Josh A.
Josh A.
Joshua Was awesome to deal with and helped me with all my questions and covered a lot more recommend this company for all your eftpos needs amazing to deal with Highly
Zdenija S.
Zdenija S.
Xevithirus Adrastos was the best contact person to get my machine super fast and ready!, definitely I recommend to get the service from Smartpay 👌😊 happy customer here!

Speak with one of our Kiwi payment specialists today!

Every year our payment specialists help hundreds of businesses in all sorts of industries to get the right payment solution. Talk to us about your business today.