Takeaway merchant receiving visa debit payment

CREDIT CARD READER - smart, secure & simple 

Handle credit card payments with ease thanks to Smartpay. Get a reliable EFTPOS machine that works for you, no matter your industry.

Why 40,000+ Businesses Choose Smartpay's Credit Card Reader

Smartpay A920 Pro terminal in merchant's hand

Never Miss a Sale, Even When You’re On the Move

Our EFTPOS machines help your business keep rolling, wherever you are. With a lightweight design, built-in multi-network SIM card and long-lasting battery life, take payments from your customers here, there and everywhere.

Worried About Payment Security? We’ve Got You Covered

Keep things secure for you and your customers. Our machines have up-to-date security features and support PCI DSS compliance. When updates are required, they’re installed remotely — with no disruption to your business.

Takeaway merchant receiving visa debit payment success
Woman paying for food in pizza restaurant

Connect Payments Seamlessly to Your POS

Streamline the whole transaction process with POS integrations. Link up your systems so you can process payments faster than ever. Seamlessly conduct business with your inventory, accounts, customer data and payments in one place. 

More Choices. Let Customers Pay Their Way

Give your customers the freedom of choice. Our machines can accept all major credit and debit cards, including American Express. We also allow your customers to use the handiest payments out there, like Tap & Go and payWave.

Hair and Beauty customer making contactless payment in store

The Card Reader That Puts Money Back in Your Pocket

When you run a business, flexibility is everything. That's why we offer two simple pricing options for our machines.

Explore Our Payment Solutions

Low Cost Tap & Pay

Let Smartpay provide your business with a low-cost merchant fee, a state-of-the-art Android terminal and 24/7 local customer support. You'll enjoy:
  • FREE terminal rental* on a 36 month term
  • No network fee
  • Tap, swipe or insert with one low rate across Visa and Mastercard transactions
  • Predictable monthly billing
  • Settlements paid into you business bank of choice 7 days a week
  • A multi-carrier network SIM to keep you trading with Wi-Fi back-up
  • Handy portal to view your transactions & settlements
  • Easy set-up and quick delivery of your terminal
  • Accept AMEX & Buy Now Pay Later (BNPL) with an existing account
*Minimum monthly fee and T&Cs apply.

Long Term EFTPOS Machine Rentals

Choose your bank for your merchant facility and let Smartpay provide you with a reliable and cost-effective EFTPOS terminal. With EFTPOS Machine Rentals, you’ll enjoy:
  • Competitive rental rates 
  • Compact, simple and wireless terminal, designed for portability
  • Connects to Worldline, NZ’s largest payment network provider^
  • Works with any acquiring bank of your choice^
  • Accept all the payment methods of your choice—Insert, swipe and contactless ready
  • Short term and flexible rental lease terms also available

^Additional 3rd party fees apply

When You Choose Smartpay As Your Preferred Payments Partner, You Also Get

Speedy, simple plug and play setup. 
24/7 local expert support on hand—always!
A range of payment features to customise your solution.
Simple, affordable and transparent pricing plans.
Quick and easy transaction reporting.
Regular software updates to keep your payments safe.

Let banks do banking. Trust Smartpay, the specialists for your EFTPOS & payment solutions.

Everything You Need to Know Before Choosing Your Credit Card Reader

Contactless Payments

88% of Kiwis use contactless payments. It's the quick, easy and effective payment solution tailor-made for the modern world.

Don't miss out on business by failing to offer your customers' preferred payment options. Whether you choose our Low Cost Tap & Pay or Long Term Rental, you can accept contactless payments from credit cards and mobile devices.


Our EFTPOS machines can also accept MOTO transactions. Make sure your customers can pay however they prefer.

Connectivity Options

Our EFTPOS machines integrate with a wide range of POS systems. This allows you to easily transfer data and transactions from your POS hardware.

We also offer a POS and Payments Bundle, serving as an all-in-one solution for your business.
With our POS and Payments Bundle, you can integrate further with scales, sales kiosks and more.

A tablet with Till2Go on screen - taking an order

Integration

Our EFTPOS machines integrate with a wide range of POS systems. This allows you to easily transfer data and transactions from your POS hardware.

We also offer a POS and Payments Bundle, serving as an all-in-one solution for your business.
With our POS and Payments Bundle, you can integrate further with scales, sales kiosks and more.

Customisation Options and Other Features

Need other payment features to help your business tick? Credit card terminals like Smartpay EFTPOS machines can be customised with additional options like surcharging, tipping and more.


We also offer the Smartpay Hub for Low Cost Tap & Pay customers. This offers high-quality insights into your business, right at your fingertips. Get a handle on your transaction data, settlement reports and much more.

Pizza merchant receiving visa debit contactless payment success

Security

We know how important payment and data security is to your business. Our terminals are PCI DSS compliant. Easy remote updates ensure that your transactions remain safe without disrupting your business.

Tailored Solutions For Every Industry

Over 40,000 businesses trust us to handle their EFTPOS needs. Find out how we can help you thrive, no matter your industry.

Ready to Enhance Payment Processing with Our Credit Card Reader?

Choose Smartpay for your payment processing needs. Our team of Kiwi Payment Specialists are ready to help your business run better than ever.


Select the offering that works best for you, whether it's Low Cost Tap & Pay or a Long Term EFTPOS Rental. Either way, you get a great, reliable machine with all the features you need to delight your customers.

Find out why 40,000 businesses trust us for their transaction needs. Let's chat about how we can elevate your business today.

Choose
New Zealand’s
Most Preferred EFTPOS Provider*

Proudly Local for Over 20 Years

*Smartpay SME research, completed by an independent party, November 2023.

Credit Card Reader FAQs

A credit card reader is a device that lets you accept payments from credit and debit cards. These devices can also support other payment types like digital wallets. With these devices, you’re all set to process a range of transactions that help power your business.

Credit card readers interpret data from a card or digital wallet through methods like magnetic strips, chip-based encryption and Near Field Communication.


This allows them to process payments by communicating with banks and acquirers. In a matter of seconds, the transaction is processed and you can carry on delighting your customers.

To find the right credit card machine for your business, ask questions like:

  • Pricing and fees: How much does the machine cost to buy or rent? What fees will you pay to process your payments?
  • Integration: How easily can the machine fit into your business? Does it integrate effectively with your existing tools?
  • Features: Does the machine have all the features you need to keep your business buzzing? Is it portable enough, and does it collect all the juicy data you need?

If your nominated settlement window is our standard period (10.00 pm to 10.00 pm), funds are settled to your nominated bank account the next day. If you require a custom settlement window, funds are typically settled 2 days post-transaction.

Our credit card readers are able to function independently of any other device. However, you can integrate our machines with POS systems. This allows transactions to automatically appear on your terminal when processed.
Unlock the potential of our terminals with our POS and Payment Bundle. With this bundle, you can fully integrate your systems and enjoy a host of added features to help your business run better.

Internet connections are generally essential for card readers to operate. However, they don't necessarily need to use Wi-Fi to function.
Card readers can connect to the internet through other methods like SIM cards. Smartpay EFTPOS machines come with multi-network SIM cards. This gives you the best chance to keep handling payments when network trouble hits.

Smartpay A920Pro terminal awaiting payment in Charcutere

Save Time and Money with Smartpay!

Every day, our Kiwi Payment Specialists help businesses like yours switch to a payment solution tailored to their business. Let’s chat about your payment needs today.
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