If you operate a retail business in Australia or New Zealand that is considered high risk by payment service providers, then you must have wondered why finding a reliable in-store payment processing solution is so difficult. Many merchants in Australia and New Zealand can sometimes easily find standard EFTPOS solutions, but for businesses that are specially operating in high-risk industries, they always face challenges such as additional underwriting, higher fees, and comprehensive time-taking evaluation of the document set and the business profile.
So, the bigger question here is that can a high-risk retail merchant in Australia or New Zealand really get access to a reliable in-store credit card processing solution that come with modern features as well as offer fast transaction processing, easy point-of-sales integration, and ongoing technical support?
The answer is yes, but it depends on the business model, risk profile, processing history, and underwriting requirements. At QuadraPay, we help eligible high-risk retail merchants that operate in Australia and New Zealand get appropriate credit card terminals.
One of our solution that can help eligible merchants is the PAX A80. But keep in mind that the approval of this solution is subject to the underwriting terms of our partner processor.
Why PAX A80 can be considered a wonderful solution for retail businesses in Australia and New Zealand
For any kind of retail business, payment processing is not only about accepting card transactions. You need a terminal that can integrate easily with your existing software setup as well as hardware setup. It should support different payment methods and provide secure transaction processing and should not have regular technical issues.
| PAX A80 Specification / Feature | Details |
|---|---|
| Payment Terminal | PAX A80 countertop terminal for in-store card payments |
| Operating System | PayDroid powered by Android 6.0 / 7.1 |
| Processor | Cortex A53 processor |
| Memory | 1GB DDR + 8GB eMMC, with 1 Micro SD card slot supporting up to 32GB |
| Display | 4-inch TFT WVGA display with 480 x 800 pixel resolution |
| Touchscreen | Multi-point capacitive touchscreen |
| Card Readers | Chip & PIN, NFC contactless and magnetic stripe |
| Front Camera | Optional 0.3MP front-facing camera |
| Connectivity | Wi-Fi 2.4GHz/5GHz (optional), LAN, dial (optional), Bluetooth (optional), WCDMA (optional) and 4G FDD-LTE/TDD-LTE (optional) |
| Battery | Optional 720mAh / 7.4V battery |
| Printer | Built-in thermal printer with printing speed of up to 50 lines per second |
| Printer Paper | Paper roll with outer diameter of up to 50mm |
| SIM / SAM | Configurations include 2 SAM; 1 Mini SIM + 2 SAM; or 2 Mini SIM + 1 SAM |
| Keypad | 15 keys including 0–9, Menu, Func, Cancel, Clear and Enter |
| Audio | Built-in speaker |
| Ports | 1 RS232, 1 PSTN, 1 Ethernet, 1 PINpad, 1 Micro USB 2.0 OTG, 1 Host USB 2.0 and 1 Phone port |
| Power Adapter | Input: 100–240V AC, 50/60Hz; Output: 9.0V DC, 1.0A |
| Dimensions | 181 x 84 x 81mm |
| Weight | 405g, excluding battery |
| Operating Temperature | 0°C to 50°C (32°F to 122°F) |
| Storage Temperature | -20°C to 70°C (-4°F to 158°F) |
| Relative Humidity | 5% to 96%, non-condensing |
| POS Integration | Compatible with 700+ POS systems, subject to the applicable integration and configuration |
| Merchant Portal | Supports merchant self-service functions, transaction information and business management features |
| Remote Support | 24/7 remote terminal support is available through the applicable customer support service |
| Payment Security | Designed to support PCI-compliant payment processing and secure in-store transactions |
| EMV Support | EMV Level 1 & Level 2 and EMV Contactless Level 1 |
| Contactless Payment Standards | Supports applicable contactless payment technologies |
| PCI Certification | PCI PTS 6.x SRED |
| Additional Certifications | Mastercard TQM, QUICS L2, IC, CE, UKCA, BQB, RoHS, UL and FCC |
| Optional Accessories | Cluster cable, privacy PIN shield and battery backup |
| Settlement | Daily settlement options may be available, subject to fees, terms and merchant approval |
The PAX A80 is designed for in-store transaction processing. It supports chip and pin payments, NFC contactless payments, magnetic strip payments, and it comes with Wi-Fi connectivity. You can also connect it with Ethernet or LAN, and optionally, you can also have 4G connectivity.
It utilizes Android-based PayDroid operating system and has got a built-in receipt printer, touchscreen interface, and can be easily integrated with 700+ point-of-sale systems. The device comes with merchant portal functionality, and business owners, they get remote technical support as well.
For any kind of business, including low-risk as well as high-risk businesses that want to accept card-present transactions at in-store facility, this capability can allow them for with faster and more convenient payment experience for customers. This solution can also be used by certain high-risk retailers in Australia and New Zealand. Please note that being classified as high-risk merchant does not auto- automatically mean that your business will be approved for this solution. Our partner processors carefully evaluate every merchant application based on many factors, including the business model, the kind of product you sell, the industry, the risk category, your expected monthly processing volume, average transaction value, geographic customer base, previous processing history, history of chargebacks, website and business documentation, company structure, compliance requirements, and settlement requirements.
The important point that you must be aware at this point is that high-risk does not necessarily means that it is un-processable. The underwriting team will carefully evaluate your profile and then come to a decision whether they will approve your retail business to get access to credit card terminal, or not.
With the right acquiring partner and processing structure, you will experience the difference. When you work with QuadraPay, you will experience certain differences in comparison to many other solution providers.
The retail credit card terminals that we offer do not only offer you the basic processing capability. Our solutions are optimized as per the merchant’s business model, risk profile. While doing so, it also provides reliable customer checkout experience.
Retail businesses in Australia and New Zealand can use PAX A80 terminal because it supports EMV and contactless payment technology, which is designed around the PCI-related security standards. This device comes with multiple connectivity options. Depending upon the configuration, you can use the terminal to operate through Ethernet, Wi-Fi, or you can also use it through cellular connectivity by utilizing the optional feature.
This device may also integrate with your existing point-of-sale system. It can connect with retail systems and can help you to potentially reduce the need of changing the complete checkout infrastructure. The merchant portal feature gives you a comprehensive management functionality, and it can provide you access to transaction information and business setting, which depends on the configuration and the acquiring setup.
You also get technical support, that means remote support and online troubleshooting resources will be available to you that will address terminal-related issues without unnecessarily disrupting your business operations. When you use our terminals, you get access to faster settlement options also. There are certain configurations that may offer daily settlement arrangement, and this includes applicable settlement functionality as well.
However, keep in mind that the card types that you can accept through this terminal depend on the terms and condition of our partner processors. There are certain businesses that can benefit a lot by utilizing the PAX A80 terminal, and these include:
- Specialty retail
- Online-to-offline retailers
- licensed cigar/tobacco/Bar businesses
- CBD-related businesses wherever permitted
- Nutraceutical/Herbal/Vitamin/Supplement store
- Electronics/Furniture and specialty product retailers
- Ticketing and event-related retail businesses
- Trade show companies
Please note that not every industry or merchant will qualify for the acquiring solution and the credit card terminal. There are certain categories that cannot be supported at all.
Looking for a High-Risk Retail Payment Solution in Australia or New Zealand?
If you are currently looking forward to get a retail credit card terminal for your business that operates in Australia or New Zealand and are currently struggling to get one, then QuadraPay may potentially help you. All you have to do is tell us what your business sells, where is your company incorporated, what is your monthly expected card volume, what is your average transaction size, do you need in-store, online, or omni-channel payment solution, and have you previously had your merchant account terminated or application declined.
With all the information that we have requested above, we will be able to access your requirements and will be able to potentially find the right solution provider that may support your business.
Apply with QuadraPay today to explore retail credit card processing terminals for low and high risk businesses in Australia and New Zealand without any obligation. Payment solutions are always subject to merchant underwriting, compliance approval, processor and acquirer availability, applicable fee, and contractual terms which are shared by our partner processors. QuadraPay cannot guarantee the approval or processing availability for any particular business or industry.