Hi there,
Some great information posted by other users that should help you out.
I just wanted to add that i spent 7 years working in the Merchant Services team for one of NZs largest providers and have a detailed understanding of how the industry works.
As a result of Covid i am offering to help any business owners that need assistance in this area.
If you want to have a chat about accepting payment online, how it all works and how to choose a provider then please feel free to reach out.
Kind regards,
Ian