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Merchant Choice Routing

A business choice that could save money.
When it comes to ‘tap-and-go’ transactions, businesses can choose to send some transactions
via the debit scheme network that may cost less.1

What is Merchant Choice Routing?

It is an option that merchants can choose to activate on their terminals. This feature directs contactless ('tap-and-go') Multi-Network Debit Card transactions through the debit scheme network, which potentially offers the least cost for a transaction. This allows the merchant to better manage the costs of accepting payments.

How does this feature work?

The feature enables selected EFTPOS terminals to process contactless ‘tap-and- go’ Multi-Network Debit Card transactions through the Australian eftpos Network instead of automatically routing them through either the Visa or Mastercard® networks. The Merchant Helpdesk can help activate this feature on selected terminals, allowing the terminal to automatically route such transactions.

What is a Multi-Network Debit card?

Multi-Network Debit Cards are debit cards with both Visa and eftpos or both Mastercard and eftpos logos. The chip on the card has the capability to be routed via either debit scheme network.

How can Merchant Choice Routing help lower operating costs?

It gives the merchant a choice.  Transactions get directed to a debit scheme network which generally attracts lower fees – thereby reducing the merchant’s overall costs. Note: This depends on how the merchant fees are structured and priced for different types of transactions.

Mastercard and Visa Routing
eftpos Routing
  • Contactless ‘tap-and-go’ Multi-Network Debit Card transactions routed through Visa or Mastercard networks
  • Credit Card merchant service fee - and any other fees specific to Visa or Mastercard acceptance - will automatically apply.
  • Contactless ‘tap-and-go’ Multi-Network Debit Card transactions routed through the Australian eftpos Network
  • Debit Card Transaction Fee will automatically apply instead of Visa or Mastercard (Credit Card merchant service fee).

More information


How to apply

The Detail

1. Merchant choice routing feature is not available on Bank of Melbourne Simple Pricing Plans. If you would like to activate/enable this feature, a Bank of Melbourne pricing review will be initiated. Bank of Melbourne cannot guarantee merchant fee cost savings after Merchant Choice Routing activation or deactivation. In some cases, eftpos (Debit Card Transaction Fees) will be cheaper for merchants; in others Visa or Mastercard will be cheaper.  It will depend primarily on the merchant’s charging scheme and the dollar value of each transaction. Note: Merchant Choice Routing transactions are capped at the End Amount. End Amount means the value at which each Transaction that is routed through the Merchant Choice Routing feature is capped at. Card Schemes available are ePAL/Mastercard or Visa).  

Mastercard is a registered trademark of Mastercard International Incorporated.