Ways to take & make payments

Our point of sale systems come with some great benefits.

Overnight settlement

Overnight settlement is available 7 days a week for transactions settled to a Bendigo Bank Business transaction account*

Simple pricing

Simple and clear pricing options mean you know what you’ll pay^.

Support

The Bendigo Bank team is on hand to help your business grow

Take payments in person

Whether you're a retailer in bricks and mortar, a cafe owner who needs to be able to take payments at the table, or a tradesperson working at different sites every week, you'll need a solution designed to suit your needs.

Integrated EFTPOS

Connects with more than 400 point-of-sale software solutions.

Best suited for restaurants, cafes and retailers who use point-of-sale software.

  • Simple pricing
  • 1.25%
    Mastercard/Visa Credit
    per txn#
  • $0.25
    Cheque/Savings
    per txn
  • $30
    Monthly per terminal1

If your monthly turnover exceeds $20,000 we can create a custom pricing package to suit your needs.

Mobile EFTPOS

A rechargeable EFTPOS device designed for on-the-go card payments or payments at the counter.

Best suited for bars, cafes, professionals and retailers who prefer flexibility in the way they accept payments.

  • Simple pricing
  • 1.25%
    Mastercard/Visa Credit
    per txn#
  • $0.25
    Cheque/Savings
    per txn
  • $30
    Monthly per terminal1

If your monthly turnover exceeds $20,000 we can create a custom pricing package to suit your needs.

GoPOS Lite

A pocket-size device that gives your business the freedom to accept card payments anywhere.

Best suited for tradespeople, market stalls and other multi-location businesses.

  • Simple pricing
  • 1.90%
    Mastercard/Visa Credit
    per txn#
  • $0.25
    Cheque/Savings
    per txn
  • $12
    Monthly per terminal1

Important Information

*Overnight Settlement is available on transactions settled to a valid Bendigo Bank Business transaction account

1Merchant facilities that do not settle to a Bendigo Bank Business transaction account will incur an additional $10 charge per month. Available business transaction accounts include the Business Everyday Account $15 monthly for unlimited transactions, Business Basic Account $0 monthly, transaction fees pay as you go. Refer to Business Fees and Charges for full details.

#American Express, Diners Club International and UnionPay acceptance priced on approval

^Additional fees and charges may apply, including a $20 chargeback fee; $150 service cancellation fee; $10 3D Secure fee; and a $495 damaged or non-returned device fee. These fees and charges may vary depending on the type of facility that you have. The full fee list will be sent to you once we’ve checked everything successfully.

Not sure which product is for you?
Try our product selector

Enjoy great shared benefits with our eCommerce facilities.

Overnight settlement

Overnight settlement is available 7 days a week for transactions settled to a Bendigo Bank Business transaction account*

Simple pricing

Simple and clear pricing options mean you know what you'll pay.^

Improved cash flow

Immediate online authorisation of transactions ensure more predictable cash flows

Take payments online

If your business takes payments online, over the phone, or by email, we have a range of payments systems designed to make it easier to transact with your customers.

Website Payment Gateway

Our end to end solution for doing business online. Best suited for businesses who accept payments via their website or shopping cart.

    • Simple Pricing
  • 1.25%
    per txn1
  • $0.10
    per txn1
  • $10
    per month#

If your monthly turnover exceeds $20,000 we can create a custom pricing package to suit your needs.

Batch

Submit your card payments in bulk using our online payment portal. Best suited for recurring membership payments, subscriptions or donations.

    • Simple Pricing
  • 1.25%
    per txn1
  • $0.10
    per txn1
  • $10
    per month#

If your monthly turnover exceeds $20,000 we can create a custom pricing package to suit your needs.

Online MOTO

Use our online payment portal from your computer, tablet or smartphone. Best suited for card not present orders over the phone, by secure email, or mail.

    • Simple Pricing
  • 1.25%
    per txn1
  • $0.10
    per txn1
  • $10
    per month#

If your monthly turnover exceeds $20,000 we can create a custom pricing package to suit your needs.

Online Merchant Account

Connect your online gateway with one of our approved third-party providers. Best suited for accepting payments via your preferred website payment gateway provider.

    • Simple Pricing
  • 1.15%
    per txn1
  • $0.10
    per txn1
  • $10
    per month#

If your monthly turnover exceeds $20,000 we can create a custom pricing package to suit your needs.

Important Information

*Overnight Settlement is available on transactions settled to a valid Bendigo Bank Business transaction account

#Merchant facilities that do not settle to a Bendigo Bank Business transaction account will incur an additional $10 charge per month. Available business transaction accounts include the Business Everyday Account $15 monthly for unlimited transactions, Business Basic Account $0 monthly, transaction fees pay as you go. Refer to Business Fees and Charges for full details.

1Visa and Mastercard cards only. American Express and Diners Club International acceptance priced on approval

^Additional fees and charges may apply, including a $20 chargeback fee and a $10 3D Secure fee. These fees and charges may vary depending on the type of facility that you have. The full fee list will be sent to you once we’ve checked everything successfully.

Not sure which product is for you?
Try our product selector

Flexibility and accuracy

Whether you send multiple invoices each month, have regular suppliers or are looking to streamline your accounts receivable process, an electronic funds transfer solution can save you time and money while offering your customers more flexible payment options.

BPAY®

An accurate and efficient accounts receivable service that lets your customers pay directly through their Bank's phone or internet banking.

Your customer invoices will contain the BPAY® logo, your unique biller code and a Customer Reference Number (CRN), which is checked and validated at the time of payment.

  • Best suited for

    Businesses that receive recurring payments, issue upwards of 50 invoices per month or whose customers want flexible payment options.

Bulk Payments

Pay multiple accounts at once inside Australia with a single withdrawal from your account, reducing double-handling in your accounting process.

Upload your payment files directly through your eBanking login, with dual authentication and no transaction limits you get security and flexibility.

  • Best suited for

    Business customers who wish to process multiple EFTs, such as payrolls and accounts payable, to suppliers or creditors.

Direct Debits & Credits

Your customers can give their permission to allow you to debit or credit their account for ongoing payment arrangements, such as monthly account or service fees.

Data files are created in your existing accounting package and uploaded through our central business portal.

  • Best suited for

    Schools, real estate agents, sporting clubs, insurance companies, gyms and other businesses with ongoing relationships with their customers.

Not sure which product is for you?
Try our product selector.

FAQs

Taking payments in person

Who do I call if I am having issues with my product?

If you are experiencing technical faults with your terminal, please contact the Merchant Help Desk on 1800 334 702, 24 hours a day, 7 days a week.

For any other enquiries or issues, please contact Merchant Services on 1300 132 741, between 8:30am and 5pm AEST on weekdays.

You can also email our Merchant Services team.

Why are signatures required for an offline transaction?

This is an industry requirement as an offline transaction is taken at the merchant's own risk, as it has not sought authorization from the issuer.

How do I apply to accept American Express?

Please contact American Express directly to complete an application. If you require assistance on how to do this, please email Merchant Services.

Does the NBN affect my terminal?

If you currently use a dial terminal directly into your phone line, you will need to have this device reconfigured to connect through your internet modem when the NBN is rolled out to your area. If this option isn't viable, we can provide you with a new device (separate charges may apply).

For more information, please contact Merchant Services on 1300 132 741, between 8:30am and 5pm AEST on weekdays.

How do I get additional EFTPOS rolls?

These can be collected at your local Bendigo Bank branch and are available free of charge.

Who do I call if I have settlement issues?

For settlement issues or enquiries, please contact Merchant Services on 1300 132 741, between 8:30am and 5pm AEST on weekdays,

How do I apply for Union Pay?

If you would like to accept Union Pay transactions on your merchant facility, please contact Merchant Services on 1300 720 356 or by email.

When can I expect funds to go into my account?

We provide next day settlement for transactions processed before 11:45pm AEST, if your nominated settlement bank account is with Bendigo Bank.

If your account is with another financial institution, the settlement will take two days or more, depending on your financial institution.

Taking payments online

How long will it take for me to start accepting payments online?

Once your complete application has been approved, a welcome pack e-mail will be sent to you within 2 business days. This email will outline the integration and installation instructions.

What is the daily cut-off time for cardholders purchasing through my website?

The daily cut-off time is 11:45pm AEST. Any transactions processed after this time will be in the next day’s settlement.

How can I search for transactions that are processed through my Bendigo Bank Payment Gateway facility?

You will be given access to the Bendigo Bank Payment Gateway Administration portal. This portal is accessed via the internet and can be used for a variety of administrative purposes such as reporting, transaction searches and refunds. Your welcome kit email and attachments contain information on how to access the Payment Gateway Administration Portal.

Need more help?
Try our Merchant Support Centre.

Payment Card Industry Data Security Standards (PCI DSS)

As your bank, we are committed to helping you protect both your business and your customers. Because your business processes payments from debit and credit cards there are a number of obligations you are required to meet.

These obligations are designed to protect cardholder information and help you manage the risks to your business posed by fraud and internal or external security breaches.

These mandatory obligations are known as the Payment Card Industry Data Security Standards (PCI DSS). They are set by the PCI Security Standards Council and apply to any organisation that stores, processes or transmits cardholder information and data.

Which standards MUST I comply with?

All businesses, large and small, are required to protect card holder data in accordance with the Payment Card Industry Data Security Standards.

Exactly which Payment Card Industry Security Standards apply to you will depend on the size and nature of your business, the configuration of your payment systems, and the different service providers you work with.

The PCI Security Standard Council have created an informative and useful Quick reference guide to help you understand the PCI DSS and apply it to your payment card transaction environment.

Why is the PCI DSS important?

Australian businesses are increasingly dealing with instances of payment card fraud.

This fraud poses an obvious threat to customers, who are inconvenienced and potentially out of pocket for significant amounts of money. For your business, insufficient risk mitigation practices can result in you being liable for the entire fraudulent amount.

By complying with Payment Card Industry Data Security Standards, your customers will trust that their card details are secure, and you will be actively managing potential financial and reputational risks to your business.

The PCI Data Security Standard

PCI DSS is the global data security adopted by the payment card brands for all entities that process, store or transmit cardholder data. It consists of common sense steps that mirror security best practices.

GoalsPCI DSS requirements
Build and maintain a secure network
  • Install and maintain a firewall configuration to protect cardholder data
  • Do not use vendor-supplied defaults for system passwords and other security parameters
Protect cardholder data
  • Protect stored cardholder data
  • Encrypt transmission of cardholder data across open, public networks
Maintain a vulnerability management program
  • Use and regularly update anti-virus software or programs
  • Develop and maintain secure systems and applications
Implement strong access control measures
  • Restrict access to cardholder data by business need to know
  • Assign a unique ID to each person with computer access
  • Restrict physical access to cardholder data
Regularly monitor and test networks
  • Track and monitor all access to network resources and cardholder data
  • Regularly test security systems and processes
Maintain an Information Security Policy
  • Maintain a policy that addresses information security for all personnel

I need more information

Further information about the Payment Card Industry Data Security Standards is available from:

Vectra Corporation - Bendigo and Adelaide Bank's PCI DSS partnerPCI Service Desk 1800 558 522 Monday to Friday (9am to 5pm)
Bendigo Bank Card and Merchant Operations1300 132 741
OnlineThe PCI Security standards website provides easy to understand information and frequently asked questions

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