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ANZ FileActive



ChargeOver supports taking direct debits in Australian dollars from bank accounts through integration with the ANZ FileActive (ANZ) payment gateway. According to their website, ANZ provides banking and financial services to over 8.5 retail and business customers and they strive to shape a world where people and communities thrive!

How to Connect

Steps to connect ANZ and ChargeOver together are below!


To connect ChargeOver to ANZ, you will need to get several credentials from the ANZ Bank.

  • Your SCP Username
  • Your SCP Password
  • Your SCP Public Key
  • Your SCP Private Key
  • Your User ID
  • Batch/State/Branch Number
  • Your Funds Account Number
  • Your Company Name (as it should appear on a customer's bank statement)

Once you have spoken to the ANZ Bank team to get these credentials, follow these steps to get your ChargeOver account connected to ANZ FileActive.

In ChargeOver

  1. Go to your Settings and select Payment Processing
  2. Select Add or Configure a Payment Method or Merchant Account
  3. Using the search bar, enter ANZ and select ANZ Bank from the list of payment gateways
  4. Enter your credentials from ANZ Bank
  5. Scroll to the next section to select ACH/eCheck
  6. Click Save Settings

You can now debit your customer's bank accounts with ChargeOver through the ANZ gateway!

Common Questions

Does the integration between ANZ and ChargeOver support…

FeatureSupported? ✅
Dynamic Statement Descriptors✖️
Tokenized Payments✖️
Credit Card Payments✖️
ACH (USA) Payments✖️
EFT (CAD) Payments✖️
ACH (AUS) Payments
Credit Card Refunds✖️
ACH Refunds

Can ANZ send multiple ACH or EFT payments into a single settlement batch?

✅ Yes!

Can ANZ report ACH payment status' to ChargeOver?

✅ Yes!

Supported Currency

ChargeOver accepts this currency with ANZ.

  • AUD

Supported Merchant Country

This is based on where your business is located.


Common Decline Messages

If you are unsure what a ANZ decline message means or what to do next, the most common error messages you might encounter are explained below.

Error MessageWhat ANZ is Trying to Tell YouNext Steps
ERR_DECLINEANZ told ChargeOver the payment was declined.You or the customer should contact ANZ to discuss the reason for the decline.
ERR_CREDENTIALSANZ told ChargeOver that your authentication credentials for Forte are incorrect.You should contact ANZ and fix the credentials you use to connect to them.
ERR_EXPIREDANZ told ChargeOver the credit card has expired.You should contact the customer and ask them to provide a new payment method.
ERR_CVVANZ told ChargeOver the credit card was declined due to an incorrect CVV/CVC security code.Your customer should provide a correct CVV/CVC security code, or provide a new payment method.

ANZ Support

If you need to contact ANZ's support team, you can use the information below.

Support Website

Support Form

Phone Numbers - AUS - 13 13 14 or Overseas - +61 3 9683 9999