Ezidebit integration

What is Ezidebit?

Ezidebit provides a cloud payment solution for small business and start-ups who want to reduce admin time chasing payments by providing your customers with a fast, easy and secure payment experience.  Ezidebit provides the ability to process payments via a range of payment types (direct debit, real-time, BPAY).

Payments can be processed from bank accounts, Visa Card, MasterCard, American Express and Diners, depending on the payment type.

Note: AMEX and Diners are not currently available in New Zealand.

Ezizebit’s API provides a fully PCI compliant payment solution to clients/partners in Australia and New Zealand.

Payment types

Ezidebit supports the following payment types:

• Direct debit from a bank account, credit card and debit card – these payments are processed as Recurring payments. Direct debit payments are processed against customer records that are set up within Ezidebit’s system;
• Real-time credit card and debit card payments – these payments are processed in real-time as web payments or phone payments. Real-time payments are considered as ‘unknown payer’ transactions within Ezidebit’s system. The payment reference supplied with the payment is typically used by the client to identify the payer;
• BPAY – customers are able to initiate a BPAY payment to billers via their internet banking facility. BPAY payments are considered as ‘unknown payer’ transactions within Ezidebit’s system. The CRN provided for the transaction is used by the client to identify the payer.

Payment processing times

Direct debit payments in the live environment are processed at the following times on each business day:

Country	Direct debit processing time	Settlement time
Australia	12:30am, 6:30am and 3:00pm AEST	By 8:30am AEST
New Zealand	1:30am and 3:00pm	By 8:30am

Payment fees and processing costs

Australia only: From 1 October 2026, businesses in Australia will no longer be permitted to apply a surcharge to Visa, Mastercard or eftpos card payments.  While the Reserve Bank of Australia's (RBA) reforms apply to Visa, Mastercard and eftpos payments, American Express has separately announced that surcharging on Amex card transactions will also end from 1 October 2026.  

Businesses will continue to incur payment processing costs when customers pay by card. 

This applies to card payments only and does not affect direct debit payments from bank accounts.