Lending
Provides merchant finance, often advanced against card turnover and repaid as a share of daily settlement.
14 companies
- Does not acquire on its banking licence — Australian card acquiring sits in ANZ Worldline, which ANZ took to full ownership in August 2026.ANZBank · Lending · Card issuer · NPP (New Payments Platform)Docklands, Melbourne, VIC, Australia
- Refers merchant business out rather than acquiring — BOQ Specialist routes clients to Tyro Health or Fiserv’s Clover depending on the industry.Bank of QueenslandBank · Lending · Card issuer · NPP (New Payments Platform)Newstead, Brisbane, QLD, Australia
- Does not acquire. Its merchant offer is white-labelled from Tyro, which has been its exclusive acquiring partner since 2020.
Bendigo and Adelaide BankBank · Lending · Card issuer · NPP (New Payments Platform)Bendigo, VIC, Australia - Australia's largest bank by assets and a top-tier acquirer, with its own Smart terminal family and an eCommerce stack currently mid-rebuild.CommBankBank · Online payment gateway · Lending · Card issuer · NPP (New Payments Platform)Sydney, NSW, Australia
- Closing its Australian retail bank and selling its A$36bn loan book. Its payments offer, Omni Collect, is delivered in partnership with Fiserv and Azupay.HSBC AustraliaBank · Lending · Card issuer · NPP (New Payments Platform)Barangaroo, Sydney, NSW, Australia
- Sixth largest bank in Australia by assets, and a card issuer only — there is no merchant or EFTPOS product anywhere in its Australian range.ING AustraliaBank · Lending · Card issuer · NPP (New Payments Platform)Sydney, NSW, Australia
- Started inside Macquarie Bank in 2006 doing taxi EFTPOS, got bought out in 2008, and two decades on is a Sydney acquirer in its own right — still with the taxi business attached.Live PaymentsAcquirer · LendingSydney, NSW, Australia
- Australia's fifth largest bank by assets, and one that tells businesses plainly it does not offer merchant facilities — DEFT is collections, not card acquiring.Macquarie BankBank · NPP (New Payments Platform) · Lending · Card issuerSydney, NSW, Australia
- Direct acquirer and the most significant wholesale sponsor among the majors — several other providers board merchants onto NAB.NABBank · Online payment gateway · Lending · NPP (New Payments Platform) · Card issuerMelbourne, VIC, Australia
- Both a Visa and Mastercard principal acquirer and a payment facilitator — and, by its own admission, a participant in eftpos but not a member.SquareOnline payment gateway · Lending · POS provider
- Started as a Sydney building society in 1937, owned by Westpac since 2008, and still listed in its own right on Visa’s register of institutions licensed to acquire card payments in Australia.St.GeorgeBank · Acquirer · Card issuer · LendingSydney, NSW, Australia
- Now Norfina Limited and wholly owned by ANZ — and exiting merchant services entirely, with facilities ceasing 11 December 2026.
Suncorp BankBank · Lending · Card issuer · NPP (New Payments Platform)Brisbane, QLD, Australia - Australia's largest EFTPOS provider outside the major banks, and the only ASX-listed challenger bank built specifically around merchant acquiring.TyroBank · Lending · Card issuer · NPP (New Payments Platform)Sydney, NSW, Australia
- Australia's oldest bank and second largest by assets, acquiring directly with the EFTPOS Air, Now and Flex range plus the PayWay gateway.WestpacBank · Online payment gateway · Lending · Card issuer · NPP (New Payments Platform)Sydney, NSW, Australia