Interchange
Fees

ANZ Bank New Zealand Limited

New Zealand Intracountry Credit POS Interchange Rates

Interchange Category Name Priority Rate
Charities 1 0.00%
Strategic Merchants 1 2 0.50%
Strategic Merchants 2 3 0.60%
Strategic Merchants 3 4 0.70%
Contactless (excluding Commercial Cards) 5 0.50%
Government & Utilities 6 0.70%
Petroleum 7 0.60%
Education and Learning 8 0.80%
Recurring Payments 9 0.70%
SecureCode Merchant UCAF 10 1.00%
SecureCode Full UCAF 11 1.20%
Consumer Elite 12 2.35%
Consumer Super Premium 1 13 2.35%
Consumer Super Premium 2 14 2.10%
Consumer Premium 15 2.15%
Commercial Premium 16 2.20%
Commercial 17 2.00%
Consumer Electronic 18 1.00%
Consumer Standard 19 1.40%


New Zealand Intracountry Debit POS Interchange Rates

Interchange Category Name Priority Rate
Charities 1 0.00%
Contactless Micropayment (<=$15) 2 NZD 0.004
Contactless Strategic Merchants 1 3 NZD 0.06
Contactless Strategic Merchants 2 4 NZD 0.10
Strategic Merchants 1 5 0.30%
Strategic Merchants 2 6 0.35%
Strategic Merchants 3 7 0.40%
Contactless 8 0.40%
Government & Utilities 9 0.50%
Petroleum 10 0.50%
Recurring Payments 11 0.70%
SecureCode Merchant UCAF 12 1.00%
SecureCode Full UCAF 13 1.20%
Consumer Premium - Debit 14 1.30%
Commercial - Debit 15 1.50%
Consumer Electronic - Debit 16 0.50%
Consumer Standard - Debit 17 1.30%


New Zealand Intracountry Prepaid POS Interchange Rates

Interchange Category Name Priority Rate
Charities 1 0.00%
Contactless Micropayment (<=$15) 2 NZD 0.004
Strategic Merchants 1 3 0.40%
Strategic Merchants 2 4 0.40%
Strategic Merchants 3 5 0.40%
Contactless 6 0.40%
Government & Utilities 7 0.70%
Petroleum 8 0.50%
Recurring Payments 9 0.70%
SecureCode Merchant UCAF 10 1.00%
SecureCode Full UCAF 11 1.20%
Consumer Premium - PrePaid 12 1.30%
Commercial - PrePaid 13 1.50%
Consumer Electronic - PrePaid 14 0.50%
Consumer Standard - PrePaid 15 1.30%


The qualifying criteria for the interchange fees set out above are as per the following:


Qualifying Criteria for New Zealand Intracountry Credit Interchange Rate Programs

Interchange Category Description
Charities Available to merchants set up with MCC 8398 that are recognized by the New Zealand Inland Revenue Department as charitable organisations and only for donations/payments that may be claimed as a tax deduction.
Strategic Merchants 1 Available to merchants and or merchant groups (as advised by MasterCard from time to time), which meet MasterCard performance requirements.
Strategic Merchants 2 Available to merchants and or merchant groups (as advised by MasterCard from time to time), which meet MasterCard performance requirements.
Strategic Merchants 3 Available to merchants and or merchant groups (as advised by MasterCard from time to time), which meet MasterCard performance requirements.
Contactless Available for all Contactless tapped transactions equal to or less than NZ$80, other than for Charities, Strategic Merchants and Commercial Cards
Government and Utilities Available to the following MCCs: 9211, 9222, 9223, 9311, 9399, 9402, 9405, 4812, 4813, 4814, 4816, 4821, 4899, and 4900.
Petroleum Available to the following MCCs: 5541 and 5542.
Education and Learning Available to the following MCCs: 8211, 8220, 8241, 8244, 8249, 8299, and 8351.
Recurring Payments Available for transactions containing the Recurring Payment indicator other than transactions qualifying for Charities, Strategic Merchants, Contactless, Government & Utilities, Petroleum and Education and Learning.
SecureCode Merchant UCAF Applies to electronic commerce (e-commerce) credit card transactions with Merchant Universal Cardholder Authentication Field™ (UCAF) only except for Charities, Strategic Merchants, Contactless, Government and Utilities, Petroleum, Education and Learning and Recurring Payments.
SecureCode Full UCAF Applies to e-commerce credit card transactions with Full UCAF except Charities, Strategic Merchants, Contactless, Government and Utilities, Petroleum, Education and Learning, and Recurring Payments.
Consumer Elite Available for all MasterCard World Elite® card transactions, other than for Charities, Strategic Merchants, Contactless, Government and Utilities, Education and Learning, Petroleum, Recurring Payments , Contactless, SecureCode Merchant UCAF, and SecureCode Full UCAF.
Consumer Super Premium 1 Available for all MasterCard World® and MasterCard World Elite® consumer credit card transactions, other than for Charities, Strategic Merchants, Contactless, Government and Utilities, Education and Learning, Petroleum, Recurring Payments, SecureCode Merchant UCAF, and SecureCode Full UCAF.
Consumer Super Premium 2 Available for all MasterCard Titanium consumer credit card transactions, other than for Charities, Strategic Merchants, Contactless, Government and Utilities, Education and Learning, Petroleum, Recurring Payments, SecureCode Merchant UCAF, SecureCode Full UCAF, and Consumer Super Premium 1.
Consumer Premium Available for all Platinum consumer credit card transactions, other than for Charities, Strategic Merchants, Contactless, Government and Utilities, Education and Learning, Petroleum, Recurring Payments, SecureCode Merchant UCAF, and SecureCode Full UCAF.
Commercial Premium Available for all commercial premium (platinum and above) credit card transactions, other than for Charities, Strategic Merchants, Contactless, Government and Utilities, Education and Learning, Petroleum, Recurring Payments, SecureCode Merchant UCAF, and SecureCode Full UCAF.
Commercial Available for all non-premium commercial credit card transactions, other than for Charities, Strategic Merchants, Contactless, Government and& Utilities, Education and Learning, Petroleum, Recurring Payments, SecureCode Merchant UCAF, and SecureCode Full UCAF.
Consumer Electronic Available for all consumer credit card transactions (excluding consumer premium and super premium) conducted at an electronic data capture terminal and authorized by the issuer other than for Charities, Strategic Merchants, Contactless, Government and Utilities, Education and Learning, Petroleum, Recurring Payments.
Consumer Standard Available to all domestic consumer credit card transactions not qualifying for any other interchange category.


Qualifying Criteria for New Zealand Intracountry Debit Interchange Rate Programs

Interchange Category Description
Charities Available for all Debit MasterCard and prepaid MasterCard transactions at merchants set up with MCC 8398 that are recognized by the New Zealand Inland Revenue Department as charitable organizations and only for donations/payments that may be claimed as a tax deduction.
Contactless Micropayments Available for all Contactless prepaid and debit tapped transactions equal to or less than NZ$15 other than transactions qualifying for Charities.
Contactless Strategic Merchants 1 Available to Strategic Merchant 1 merchants for all Contactless debit tapped transactions over NZD$15 other than for Charities.
Contactless Strategic Merchants 2 Available to Strategic Merchant 2 merchants for all Contactless debit tapped transactions over NZ$15 other than for Charities.
Strategic Merchants 1 Available to merchants and or merchant groups (as advised by MasterCard from time to time), which meet MasterCard performance requirements.
Strategic Merchants 2 Available to merchants and or merchant groups (as advised by MasterCard from time to time), which meet MasterCard performance requirements.
Strategic Merchants 3 Available to merchants and or merchant groups (as advised by MasterCard from time to time), which meet MasterCard performance requirements.
Contactless Available for all Contactless prepaid and debit tapped transactions over NZD15 other than for Charities and Strategic Merchants.
Government and Utilities Available for all Debit MasterCard and prepaid MasterCard transactions at the following MCCs: 9211, 9222, 9223, 9311, 9399, 9402, 9405, 4812, 4813, 4814, 4816, 4821, 4899, and 4900.
Petroleum Available for all Debit MasterCard and prepaid MasterCard transactions at the following MCCs: 5541 and 5542.
Recurring Payments Available for all Debit MasterCard and prepaid MasterCard transactions containing the Recurring Payment indicator other than transactions qualifying for Charities, Strategic Merchants, Contactless, Government and Utilities, and Petroleum.
SecureCode Merchant UCAF Applicable to e-commerce debit and prepaid card transactions with Merchant UCAF only except for Charities, Contactless Micropayments, Strategic Merchants, Government & Utilities, Petroleum and Recurring Payments.
SecureCode Full UCAF Applicable to e-commerce debit and prepaid card transactions with Full UCAF except Charities, Contactless Micropayments, Strategic Merchants, Government & Utilities, Petroleum, and Recurring Payments.
Consumer Premium- Debit Available for all consumer premium debit card transactions, other than for Charities, Contactless Micropayments, Strategic Merchants, Contactless, Government and Utilities, Education and Learning, Petroleum, Recurring Payments, SecureCode Merchant UCAF, and SecureCode Full UCAF.
Commercial Debit Available for all commercial debit transactions, other than for Charities, Contactless Micropayments, Strategic Merchants, Contactless, Government & Utilities, Petroleum, and Recurring Payments.
Consumer Electronic - Debit Available for all consumer debit transactions conducted at an electronic data capture terminal and authorised by the issuer other than other than for Charities, Contactless Micropayments, Strategic Merchants, Contactless, Government & Utilities, Petroleum and Recurring Payments.
Consumer Standard - Debit Available to all domestic consumer debit transactions not qualifying for any other interchange category.


Qualifying Criteria for New Zealand Intracountry Prepaid Interchange Rate Programs

Interchange Category

Description

Charities

Available for all Debit MasterCard and prepaid MasterCard transactions at merchants set up with MCC 8398 that are recognized by the New Zealand Inland Revenue Department as charitable organizations and only for donations/payments that may be claimed as a tax deduction.

Contactless Micropayments

Available for all Contactless prepaid and debit tapped transactions equal to or less than NZD 15 other than transactions qualifying for Charities.

Strategic Merchants 1

Available to merchants and or merchant groups (as advised by MasterCard from time to time), which meet MasterCard performance requirements.

Strategic Merchants 2

Available to merchants and or merchant groups (as advised by MasterCard from time to time), which meet MasterCard performance requirements.

Strategic Merchants 3

Available to merchants and or merchant groups (as advised by MasterCard from time to time), which meet MasterCard performance requirements.

Contactless

Available for all Contactless prepaid and debit tapped transactions over NZD 15 other than for Charities and Strategic Merchants.

Government and Utilities

Available for all Debit MasterCard and prepaid MasterCard transactions at the following MCCs: 9211, 9222, 9223, 9311, 9399, 9402, 9405, 4812, 4813, 4814, 4816, 4821, 4899, and 4900.

Petroleum

Available for all Debit MasterCard and prepaid MasterCard transactions at the following MCCs: 5541 and 5542.

Recurring Payments

Available for all Debit MasterCard and prepaid MasterCard transactions containing the Recurring Payment indicator other than transactions qualifying for Charities, Strategic Merchants, Contactless, Government and Utilities, and Petroleum.

SecureCode Merchant UCAF

Applicable to e-commerce debit and prepaid card transactions with Merchant UCAF only except for Charities, Contactless Micropayments, Strategic Merchants, Government and Utilities, Petroleum, and Recurring Payments.

SecureCode Full UCAF

Applicable to e-commerce debit and prepaid card transactions with Full UCAF except Charities, Contactless Micropayments, Strategic Merchants, Government and Utilities, Petroleum, and Recurring Payments.

Consumer Premium- PrePaid

Available for all consumer premium prepaid card transactions, other than for Charities, Contactless Micropayments, Strategic Merchants, Contactless, Government and Utilities, Education and Learning, Petroleum, Recurring Payments, SecureCode Merchant UCAF, and SecureCode Full UCAF.

Commercial PrePaid

Available for all commercial prepaid transactions, other than for Charities, Contactless Micropayments, Strategic Merchants, Contactless, Government and Utilities, Petroleum, and Recurring Payments.

Consumer Electronic- PrePaid

Available for all consumer prepaid transactions conducted at an electronic data capture terminal and authorized by the issuer other than other than for Charities, Contactless Micropayments, Strategic Merchants, Contactless, Government and Utilities, Petroleum, and Recurring Payments.

Consumer Standard- PrePaid

Available to all domestic consumer prepaid transactions not qualifying for any other interchange category.


MasterCard reserves the right to change these fees as it deems appropriate from time to time. Any such changes to these fees will be published on this site as required by the Standard.

Enquiries regarding interchange fees should be directed to MasterCard Worldwide at +64 9377 5026.