Frequently Asked Questions

Navigating the Payments Industry

What do I need to consider when choosing a EFTPOS terminal?

What industry does your business service?

Are you an existing or new business?

Are you looking for a mobile or desktop solution?

Will your EFTPOS run via a sim card or by connecting it to your POS system?

There is a multitude of things you need to consider, however, an easier way would be by getting in touch with Skyzer and we will walk you through the whole process step-by-step.

What if my EFTPOS terminal encounters technical issues?

Contact Skyzer straight away by calling (09) 259 0322 so we can understand the technical issue and try to resolve it for you.

If we can’t resolve the issue over the phone, we will send out a temporary terminal to keep your business trading while we fix your original machine.

What is Software Compliance?

Software Compliance is the term used to cover the management of the application software in the Skyzer terminal fleet, and ultimately, the ongoing security and compliance of the New Zealand payments industry.

By way of background, in 2012 a number of important new requirements were introduced into the New Zealand payments market around ensuring that EFTPOS terminals are kept in a compliant state for the duration of their service life.

Among these new requirements, all terminal Vendors operating in the New Zealand market, now have a legal responsibility to ensure that payment devices deployed to the field are kept up to date with current software. Whilst we continue to drive innovation in the New Zealand payments market, we also need to share the responsibility of safeguarding the security of electronic payments from potential fraudsters, hackers, and scammers.

With the ever-increasing pace of technological change in the payments arena, we expect that the frequency of EFTPOS terminal software releases will increase.

It’s important to note that these new requirements for participants in the payments market are compulsory – not optional – for us all to operate in New Zealand.

This has prompted Skyzer to consider how to provide sustainable long-term software support long after the device is sold and deployed to the field.

The solution was to introduce a modest monthly software license fee payable per terminal. Under this software license, a terminal will receive unlimited software upgrades, as and when they become available, using Skyzer’s remote Terminal Management System. This will ensure that both Eftpos Re-sellers and their customers will no longer have to worry whether their software is compliant and up to date, and will also minimize the risk of fraud by maintaining the highest possible level of software compliance.

What do I need to setup with my bank?

Work with your bank provider to set up a merchant account for your business first.

After you are all set up, ask your bank to provide you with a Worldline Merchant Number and a Terminal Id number.

From there you then provide those details to Skyzer so we can finalise setting up your Eftpos Terminal.

How do I keep my terminal secure?

Terminal security is extremely important to every merchant. There are a variety of ways to ensure that you can protect your EFTPOS terminals and stay protected from fraudulent behaviour.

An important practice is to create a list of the EFTPOS terminals on your premises and include the identification details for each terminal and their location.

Other ways to protect your terminal include:

Regularly conduct an inventory check on your EFTPOS terminals. Report missing or stolen terminals to your terminal provider immediately.

If an EFTPOS terminal is being connected (e.g. a new terminal) make sure only authorised personnel from your terminal provider do this.

Dispose of old EFTPOS terminals securely – please return old terminals to us so we can ensure not only for security but also to ensure sustainable disposal.

What is the process for upgrading or replacing my terminal?

Upgrades, whether they are software or hardware, keep EFTPOS terminals secure so that the payment process is safe for both merchants and customers to use. The hardware version on EFTPOS machines in New Zealand is set by the PCI (Payment Card Industry) Security Standards Council and Payments New Zealand provides the mandated lifecycle dates.

Currently, over 66,000+ EFTPOS terminals in New Zealand are scheduled to become non-compliant in 2024. Check out our breakdown of upcoming terminal expiry dates.

In short, upgrading or replacing your terminal with Skyzer is a streamlined process. Contact our team will guide you through the steps easily and quickly, so your business doesn’t skip a beat.

How will my EFTPOS terminal be installed?

We offer two options! Either DIY with our comprehensive instructions on how to install a terminal, or we can schedule a qualified technician coming out to your location to ensure your system is all set up properly.

Does my POS solution work with a Skyzer terminal?

Skyzer works with over 120+ POS systems to offer the most flexibility for our merchants. Check if your POS system is on our POS Partners list.

If there is a particular vendor you are keen to work with, and not currently on our list. Please let us know and we can work with them to complete a POS Certification and send us a POS enquiry.

What sets Skyzer apart from other EFTPOS providers in New Zealand?

Skyzer stands out with our commitment to adding value beyond providing payment processing products starting with our locally-developed, innovative software, top of the line hardware, transparent pricing, and exceptional customer support, ensuring the best payment experience for you and your customers.

We’re dedicated to doing the right thing. For you and your business, for New Zealand’s small business community, and for our planet. Keep up to date with our latest initiatives.

Industry Terminology

Acquirer

Acquirer is the term give to the bank that enables you to accept Debit and / or Credit Cards as a method of payment. Your bank will charge you a Merchant Service Fee (MSF) on any credit cards accepted through your EFTPOS device.

Contactless

Contactless is the term given to credit cards and debit cards that use radio-frequency identification for making secure payments. The embedded chip and antenna located on the card enables cardholders to wave their card over the EFTPOS device at the point of sale to process a payment transaction.

Contactless transactions are traditionally much faster than normal transactions where the card is swiped or inserted, as for transactions under $80NZD, no PIN is required.

EFTPOS (Electronic Funds Transfer At Point Of Sale)

Electronic Funds Transfer at Point of Sale (EFTPOS) is an electronic payment system involving electronic funds transfers based on the use of payment cards, such as debit or credit cards, at payment terminals located within a merchants premises.

EFTPOS Reseller

An EFTPOS Reseller is a company that leases EFTPOS terminals to merchants. These resellers will advise the merchant on which terminal is the most suitable to meet their business needs, and will provide service and support to maintain that EFTPOS terminal.

EMV (Europay MasterCard Visa)

EMV stands for Europay, MasterCard and Visa and is a global standard for inter-operation between Chip Cards and EFTPOS terminals for authenticating credit and debit card transactions.  This standard was developed to ensure a seamless customer payment experience, regardless of whether the cardholder is using their Chip card in their home country or overseas.

Issuer

Issuer is the term given to the Bank that provides a Debit or Credit card to their customers. As an example, if Westpac provides one of its customers with a Mastercard then Westpac is the Card Issuer.

NFC (Near Field Communications)

Near Field Communications (NFC) is a short-range (less than 4cm) wireless technology that provides communication between two electronic devices e.g. between a smartphone and an EFTPOS terminal. NFC payments are also known as ‘contactless’ payments.

Nitro

Nitro is Skyzer’s fully integrated payment solution. Nitro is made up of two main components. The first is a POS resident software component that resides on the Point of Sale, and the second being the terminal application.

Check out if your POS system is already integrated with nitro.

Merchant

A merchant is any business that accepts Debit and / or Credit cards as a method of accepting payment for goods and services.

PA-DSS (Payment Application Data Security Standard)

The Payment Application Data Security Standard (PA-DSS) is a subset of PCI-DSS, and was developed to provide a definitive data standard for software vendors that develop payment applications. The standard aims to prevent developed payment applications for third parties from storing prohibited secure cardholder data. Fortunately, all of Skyzer’s payment solutions have been deemed “Out of Scope” of the PA-DSS standard by Paymark as at no stage does cardholder data ever leave the payment device unencrypted.

Check to see if your terminal is expiring this June 2024

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