Key facts
- •Worldline Edge domestic Visa, Mastercard and eftpos: 0.95%
- •Worldline Edge international Visa and Mastercard: 2.80%
- •Terminal rental: $25/month for standalone and integrated terminals
- •ANZ Worldline also offers single rate, differential rate and interchange plus pricing, and agreed rates depend on your business circumstances
- •Same-day settlement is stated for eligible transactions into an ANZ business account before 9pm AEST. Other banks follow the next business day
- •October 2026 card-surcharge changes apply
ANZ Worldline Edge pricing
| Type | Transaction fee | Monthly fee (terminal rental or subscription) |
|---|---|---|
| QwikPay | $0.00Zero fees | Subscription |
| Worldline Edge: domestic Visa, Mastercard and eftpos | 0.95% | $25/month |
| Worldline Edge: international Visa and Mastercard | 2.80% | $25/month |
- These are two payment categories on the same product, as listed on ANZ Worldline's Worldline Edge page. The $25/month rental applies per applicable terminal, standalone or integrated, and is not an additional rental for each card category.
- Other card brands and products may have different agreements or rates. Additional requirements apply for American Express and JCB, including an agreement directly with each scheme, and UnionPay has additional eligibility criteria.
- Additional charges can apply under the merchant agreement, including transaction, refund and chargeback fees, scheme fees and fines. The official pages do not state GST treatment for these rates, so confirm it with ANZ Worldline.
- These are published product-specific rates, not rates for every ANZ merchant agreement. Existing, legacy, negotiated and other product agreements can differ.
Example monthly cost with Worldline Edge
Using the published domestic rate of 0.95% and one $25/month terminal:
- $10,000/month in domestic card volume: $95 processing + $25 rental = $120/month
- $25,000/month: $237.50 processing + $25 rental = $262.50/month
- $50,000/month: $475 processing + $25 rental = $500/month
These examples assume all volume qualifies for the domestic 0.95% rate and one terminal. They exclude international cards, other card agreements, additional charges and promotions. GST treatment follows the official source, which does not state it, so no GST has been added or removed.
Settlement conditions
ANZ Worldline's Worldline Edge terms state:
- ANZ business account holders: same-day settlement for Visa, Mastercard, eftpos and UnionPay transactions processed through an electronic terminal and settled before 9pm AEST.
- Other bank accounts: ANZ Worldline transfers the settlement proceeds to the merchant's bank on the following business day, and the merchant's bank determines when the funds are available.
- Offline transactions and some other payment methods, such as Alipay+ and WeChat, follow different timings.
The processing cutoff, settlement initiation and bank availability are separate steps, so not every payment arrives on the same day. Confirm the conditions that apply to your account with ANZ Worldline.
How to compare ANZ Worldline with other providers
Compare the processing rate plus terminal rental, using your own card mix and payment channels. A lower headline percentage does not automatically mean lower total cost. Smartphone acceptance and purchased terminals have different cost structures from rented terminals, and international cards, other card brands and additional charges all change the total.
See the merchant fees comparison, Tyro merchant fees and Square merchant fees for other published pricing.
October 2026 card-surcharge changes
According to ANZ Worldline's RBA changes page, surcharging on debit, prepaid and credit card payments should end from 1 October 2026, in person and online. The RBA announced the change, and Mastercard, Visa, eftpos, American Express, UnionPay International and Diners Club International implement no-surcharge rules through their own card-network rules. Merchant service fees continue. Covered card costs cannot be recovered through a separate prohibited surcharge, though delivery fees, service fees and public holiday surcharges that apply regardless of the payment method remain permissible, and merchants can still reflect their costs in overall pricing where appropriate. ANZ Worldline says it disables surcharging functionality it controls from 21 September 2026, and that merchants using third-party systems must disable surcharging themselves. Check your agreement with ANZ Worldline.
Accept payments with $0 transaction fees through QwikPay
QwikPay can sit alongside your existing card acceptance, so your ANZ Worldline terminal can stay where it is. QwikPay charges $0 per transaction on QwikPay payments, which are processed through the QwikPay wallet via QR code rather than a card network. QwikPay uses a business subscription model, so subscription charges may apply. Check current pricing and terms during onboarding.
Start accepting zero-fee paymentsFrequently asked questions
What does ANZ Worldline charge for Worldline Edge?
ANZ Worldline publishes 0.95% for domestic Visa, Mastercard and eftpos transactions and 2.80% for international Visa and Mastercard transactions on Worldline Edge. These are product-specific published rates. Other card brands, products and agreements can have different rates, and additional charges such as chargeback fees can apply under the merchant agreement.
What is the terminal rental for ANZ Worldline Edge?
ANZ Worldline publishes terminal rental of $25 per month for standalone and integrated Worldline Edge terminals. This is a rental for each applicable terminal, not an extra rental charged for each card category.
Are the published rates the same as my ANZ merchant agreement?
Not necessarily. ANZ Worldline offers single rate, differential rate and interchange plus pricing, and says your agreed rates depend on your individual business circumstances. Existing, legacy, negotiated and other product agreements can differ from the published Worldline Edge rates, so check your own agreement and statements.
How quickly are funds settled with ANZ Worldline Edge?
For ANZ business account holders, ANZ Worldline states same-day settlement for Visa, Mastercard, eftpos and UnionPay transactions processed through an electronic terminal and settled before 9pm AEST. For other bank accounts, settlement proceeds are transferred on the following business day, and when funds are available depends on the merchant's bank. Offline transactions and some other payment methods, such as Alipay+ and WeChat, follow different timings.
How do I compare the full cost of ANZ Worldline with other providers?
Compare the processing rate plus terminal rental, using your own card mix and payment channels. A lower headline percentage does not automatically mean a lower total cost, because rental, international cards, other card brands, smartphone acceptance and purchased terminals all change the total. Include any additional charges in your agreement.
Can I use QwikPay alongside my ANZ Worldline terminal?
Yes. QwikPay is an additional payment option that sits alongside your existing card acceptance, so your ANZ Worldline terminal can stay where it is. QwikPay charges $0 per transaction on QwikPay payments, but subscription charges may apply, so check current pricing and terms during onboarding.
What happens after the October 2026 card-surcharge changes?
According to ANZ Worldline, surcharging on debit, prepaid and credit card payments should end from 1 October 2026, in person and online. The RBA announced the change, and Mastercard, Visa, eftpos, American Express, UnionPay International and Diners Club International implement no-surcharge rules through their own card-network rules from that date. Separately, ANZ Worldline says it disables surcharging functionality it controls from 21 September 2026, and merchants using third-party systems must disable surcharging themselves. Covered card costs cannot be recovered through a separate prohibited surcharge, though delivery fees, service fees and public holiday surcharges that apply regardless of the payment method remain permissible, and merchants can still reflect their costs in overall pricing where appropriate. Check your agreement with ANZ Worldline.