COVID-19 contactless payment methods guide blog post

One of the key considerations for businesses trading under COVID-19 Alert Levels 3 and 2 is how to take payment while limiting physical contact with customers. In this guide, we walk you through different contactless payment options to suit different ways of trading.

Before you start planning how you are going to take contactless payment, it is important that you ensure your business can comply with all Government restrictions at the different alert levels. Learn more about workplace operations under the different COVID-19 Alert Levels here.

Below are different scenarios that might apply to your business. Click the links to see a description of the contactless payment method that applies, how it works and how to get it set-up.

 

Do you want to take contactless payments from your customers in a way we haven’t covered in this guide? Click here to get in touch with our team. They can help you adapt a payment solution to your specific needs.

 

I want a payment solution so I can take payment at my customer's table

Pay at table VX 680

 

Taking payment at the table will help you meet single server requirements at Alert Level 2 and maintain physical distancing by reducing queueing at your point of sale and keeping diners and takeaway customers separate. A portable terminal can connect to your business's internet and transact anywhere in your business, including tableside. You can even connect a portable EFTPOS terminal to your Point of Sale (POS), so all your sales still go through your POS system. Our EFTPOS terminals are all contactless 'paywave' capable, including our POS integrated mobile terminals.

How do I set this up?

Get in touch with us here if you would like more information about mobile EFTPOS terminals. Our team of EFTPOS experts can answer all of your questions and take you through any connectivity and install requirements.

If you're interested in connecting your POS with a mobile terminal, a good place to start is to check if your POS is already accredited for integration with our EFTPOS solutions, find out here. Our mobile integrated solutions are also compatible with contactless ‘paywave’ payments.

^Back to top

 

I want to avoid customers queuing/congregating in my business

queue at a cafe

If your business encourages customers to congregate closely together, while they are waiting for their order or waiting to pay for example, you risk breaching physical distancing guidelines. Fortunately, there are solutions you can put in place to avoid queues at your point of payment, for example:

  • Speed up payment by enabling contactless 'paywave' payments - Keep your queues moving by eliminating the need for your customers to swipe their card or enter their PIN and significantly reducing transactions declined due to incorrect PIN entry. 
  • Take payment at the table - Keep diners and takeaway customers separate and meet single server requirements at Alert Level 2 by taking payment at the table with a mobile terminal.
  • Set-up an additional queue - Create another point of payment in your business to spread your customers out across your premises.

How do I set this up?

Get in touch with us here if you would like more information about mobile EFTPOS terminals or setting up a new point of payment. Our team of EFTPOS experts can answer any of your questions and take you through any connectivity and install requirements.

If you want to enable contactless payments on your EFTPOS device/s, give the bank that provides your merchant facility a call. See how to contact your bank here.

^Back to top

 

I want to use my existing terminal to take payment from my customers over the phone

 

Telephone

 

A MOTO (mail-order/telephone-order) solution allows you to take payment over the phone by manually entering your customers’ credit or scheme debit card number into your terminal. A ‘scheme debit card’ is a card issued by a credit card scheme, like Visa or Mastercard. If the card has a Visa, Mastercard or other credit card scheme logo on it, then it can be used for a MOTO transaction. Using MOTO allows you to take payment from customers in a completely contactless way, with no face-to-face contact required.

Both our credit card pre-authorisation and credit card surcharging solutions are compatible with MOTO payments.

How do I set this up?

You can enable MOTO on your existing terminal. This means that if you can access your existing terminal, you won’t need a new device. Find out what to do if you can’t access your EFTPOS terminal here.

You will need to apply to the bank that provides your merchant facility to accept card-not-present (MOTO) transactions. If your bank approves your business to take MOTO payments, they will advise us to enable the solution on your device/s. There are fees associated with processing MOTO transactions, you will need to confirm the applicable rates with your bank.

^Back to top

 

I want to set-up new terminals for me and/or my staff, so we can take payments over the phone at home

 

working at home

 

A MOTO (mail-order/telephone-order) solution allows you to take payment over the phone by manually entering your customers’ credit or scheme debit card number into your terminal. A ‘scheme debit card’ is a card issued by a credit card scheme, like Visa or Mastercard. If the card has a Visa, Mastercard or other credit card scheme logo on it, then it can be used for a MOTO transaction. Using MOTO allows you to take payment from customers in a completely contactless way, with no face-to-face contact.

Both our credit card pre-authorisation and credit card surcharging solutions are compatible with MOTO payments.

How do I set this up?

As an essential service, we have continued to work closely with Courier Post throughout the lockdown period. We can arrange a new terminal, with MOTO payments ready-to-go, to be delivered by courier to any residential address in New Zealand.

This will suit your business if you:

  • don’t have access to your existing EFTPOS terminal, or;
  • you want to provide your employees with EFTPOS terminals so they can take payment over the phone from home.

If you would like to know more, get in touch with our team of EFTPOS experts, and we'll take you through any connectivity and install requirements.

There are fees associated with processing MOTO transactions, you will need to confirm the applicable rates with your bank.

^Back to top


I want a payment solution installed at my business that limits physical contact with my customers

pos-screen-with-690-awaiting-cardThe best solution for reducing physical contact with customers while taking payment in-person is a Point of Sale integrated terminal connected to your business’s internet.

When your EFTPOS terminal is integrated with your Point of Sale (POS), all merchant interactions throughout the payment process are made on the POS, so you don’t need to hand an EFTPOS terminal back-and-forth between yourself and the customer. Integrating your POS with a mobile EFTPOS terminal also allows you to keep the device away from the point of sale. This means you can simply initiate the transaction from your POS and then your customer can tap their card or enter their PIN into the mobile terminal at a safe distance. You will see whether the transaction was successful or not on your Point of Sale screen.


How do I set this up?

Contact us to find out more about a POS integrated mobile payment solution. A good place to start is to check if your POS is already accredited for integration with our EFTPOS solutions, find out here.

If you don’t currently have a POS system installed, we can provide advice on which options might suit your needs. Our mobile integrated solution is also compatible with contactless ‘paywave’ payments.

^Back to top


I want mobile payments for curbside or home delivery

 

brown takeaway food box

If you want to take payment in your car park, at the curbside, or at your customer’s workplace or residence, a ‘paywave’-capable mobile EFTPOS terminal connected to 3G could be right for your business.

How do I set this up?

As an essential service, we have continued to work closely with Courier Post throughout the lockdown period. We can arrange a mobile terminal to be delivered by courier anywhere in New Zealand.

Get in touch with us here if you would like more information about mobile EFTPOS terminals. Our team of EFTPOS experts can answer any of your questions and take you through any connectivity and install requirements.

^Back to top


I want to enable contactless ‘paywave’ payments on my existing payment solution

 

contactless

Offering contactless payment acceptance on your device reduces the risk of transmission of COVID-19 via your device’s PIN pad and will provide your customers with greater comfort while paying.

To support merchants to accept contactless payments in response to the COVID-19 pandemic, the acquiring banks have announced contactless debit fee waivers for their small business customers. Additionally, the PIN limit for contactless payments has been temporarily increased to $200 from $80. 

How do I set this up?

If you want to enable contactless payments on your EFTPOS device/s, give the bank that provides your merchant facility a call. See how to contact your bank here.

^Back to top


I want to take payments online

 

selling online

There are a few options for businesses that want to take payment online. However, if you don’t already have the infrastructure in place to take online payments, and you’re not sure about investing in an online payment solution, it might be easier to look at taking payment over the phone instead.

^Back to top


I still can’t trade

 

closed sign

We are navigating many of the same challenges the COVID-19 pandemic has brought to businesses across New Zealand, so we understand the pressures Kiwi businesses are facing.

To help support our customers at this time, we are:

  • Waiving COVID-19 related disconnections and late fees
  • Ensuring availability of customer support
  • Providing customers with COVID-19 advice and resources in our COVID-19 Information Hub
  • Providing advice on how to clean and disinfect EFTPOS devices
  • Supporting industry initiatives to help restrict the spread of COVID-19
  • Supporting your changing payment needs

Learn more about what we are doing to support our customers through the COVID-19 pandemic here.

^Back to top


Need help with your business’s changing payment needs?

If you’re exploring adapting your business in response to COVID-19, we can help. Our team of EFTPOS experts are working remotely and are available to discuss your payments needs:

New call-to-action

 

Our 24/7 technical helpdesk and customer services team are also working remotely. Here’s how to contact them:

Eftpos NZ Technical Support is available 24/7:

• Call 0800 EFTPOS (0800 338 767, option 2)
• Submit a support form.

Eftpos NZ Customer Service is available 8 am - 5 pm, Monday - Friday:

 

COVID-19 Resources for businesses

• Eftpos NZ COVID-19 Info Hub: Get the latest updates, information and advice from us.
• MBIE guide to workplace operations at COVID-19 alert levels.
• Government information for employers, employees and essential businesses and services.
• Advice and resources for hospitality businesses
• Advice and resources for retailers

 

^Back to top