Merchant Choice Routing

In Person Payments - EFTPOS machines

All contactless ‘tap-and-go’ purchase and refund transactions from Multi-Network debit cards are supported.

A customer can choose the network through which their transaction is routed by manually inserting or swiping their Multi-Network debit card and then selecting savings or debit account prior to entering their PIN.

Credit card transactions will not route. Digital wallet payments e.g. Apple Pay, Google Pay, FitBit Pay, etc may not support Merchant Choice Routing (MCR).

Online and eCommerce

All purchase and refund transactions from Multi-Network debit cards processed through an eCommerce facility will be routed through eftpos subject to capabilities of the eCommerce facility.

Credit card transactions will not route. Digital wallet payments e.g. Apple Pay, Google Pay, etc. may not support MCR.

MCR and the cardholder experience

Merchant Choice Routing won’t affect the payment experience for the cardholder. For NAB cardholders, regardless of whether their payment is routed through the eftpos or Visa®/Mastercard® network, they’ll still be eligible for any rewards attached to their card (if applicable).

For in person payments, if the cardholder would like to choose how their transaction is routed, then you should let them know to manually insert or swipe their card, then select their account of choice based on their preferred network.

CR: Visa ® or Mastercard® scheme network.
SAV/CHQ: eftpos scheme network.

For online payments, the cardholder will not be able to choose how their transaction are routed. Multi-Network debit cards processed through an eCommerce facility are subject to the capabilities of the eCommerce facility.

Your website should provide information on how you route Multi -Network debit card transactions.

Merchant Choice Routing is only available on NAB EFTPOS Ingenico MOVE 5000 and Quest QT850 terminals. It’s not available on NAB MPOS.

When enabled, the payment screen on the device will say ‘Merchant Choice Routing’ and will be ready to accept payments.

If you choose to enable MCR and have more than one terminal, you must enable MCR for all terminals that are under that Merchant ID (MID).

Can I still add a surcharge on transactions?

Surcharge can be applied to all card acceptance methods including tap, insert and swipe.