From 30 April 2026, EFTPOS terminals running on PCI 4.X will be disconnected from the network. Payments NZ has confirmed this deadline, and there are no extensions. Businesses using PCI 4.X terminals will need to upgrade by April 2026 to stay compliant and keep accepting payments. An upgrade is also a chance to rethink what you need from your payment solution — not just a like-for-like swap.
Compliance and reliability
Your first priority is a terminal that meets current PCI standards so your business can keep trading without disruption.
Features that support your business
Modern EFTPOS devices offer much more than card acceptance. Look for features such as mobile options, detailed reporting, flexible connectivity, and the ability to add tools as your business grows.
Integration with your POS
If you use a point-of-sale system, check that your EFTPOS integrates smoothly. Integrated payments cut errors, speed up service, and give you better data.
Support when you need it
Payment downtime is stressful. Choose a provider with 24/7 technical help and fast replacement options if something goes wrong.
Future-proofing
Payments technology changes quickly. Select a solution that receives regular software updates so you’re covered for new standards and evolving customer expectations.
Some providers advertise low cost bundles. But the fine print often tells a different story. Here are some things to check before signing up:
Hidden fees – inserted Visa and Mastercard debit is free through banks, but some bundles charge extra. That can add up to hundreds — or even thousands — a year.
Surcharging – still allowed in New Zealand until May 2026. Bundled terminals may not support it, meaning you absorb all the costs.
Magstripe – around 1 in 5 card transactions still use it. Some bundled terminals don’t support magstripe, putting sales at risk.
If you have a PCI 4.X device, it will need a physical terminal replacement rather than just a software update. If you're already considering an upgrade, why not take this opportunity to get in touch with your provider and ensure you're completely satisfied with their service?
Here are some key aspects to discuss with them, and how we compare:
Verifone Android devices are compliant until 2029 and come in a wide range of options - from grab-and-go portable solutions to unattended kiosk devices. Enjoy fast charging and long battery life, enhanced reporting, email receipts, dynamic connectivity, contactless surcharging, enhanced refunds, seamless integration with over 700 POS systems, and a host of other benefits and features.
Upgrade to Android EFTPOS with Eftpos NZ today. Get a quote now!
Check the Device Register on the Payments NZ website here, or download our handy checklist which lists all PCI 3.x EFTPOS terminals registered in New Zealand below.
Still have questions? See our FAQs about the 2026 EFTPOS Upgrade here