Sources: Reserve Bank of New Zealand, Commerce Commission and provider disclosures, 2024–2025.
How New Zealand pays
New Zealand is a card country with a quirk: in shops, many people pay with EFTPOS, the domestic debit network, but those EFTPOS-only cards cannot be used online. Online checkout therefore leans on Visa and Mastercard debit and credit cards, with Apple Pay, Google Pay and buy now, pay later services like Afterpay alongside.
The next shift is account-to-account. The major banks are opening payment APIs under the industry's open banking standards, and the Retail Payment System Act gives the Commerce Commission powers over card fees. For an enterprise merchant, the value is a clean, high-trust card stack: routing and retries across acquirers, 3DS applied where it helps rather than everywhere, all behind one integration and settled in New Zealand dollars.
Why merchants run on us here
Debit cards that work online
Domestic EFTPOS stays in the shop, so online checkout runs on Visa and Mastercard debit and credit, which we accept today.
Wallets and BNPL
Apple Pay, Google Pay and buy now, pay later services such as Afterpay sit beside cards for a faster checkout.
Pay by bank, as it arrives
Open banking payments from the major banks are being rolled out under the industry API standards, and we track them as they go live.
One integration, NZD settlement
Cards, wallets and local methods behind one integration, in New Zealand dollars, with routing across acquirers and 3DS where it helps.
Payment methods
Cards
Visa
Mastercard
American Express
Discover
Diners Club
JCB
UnionPayBuy Now, Pay Later
Sandbox BNPLDigital wallets
PayPalExpress checkout
Apple Pay
Google PayGateways
Sandbox BNPLPayPal
Airwallex
Stripe
Adyen
Unlimit
Worldpay
Checkout.com
Authorize.net
MPGS
Cybersource
Sandbox GatewayAirwallex (Enterprise)
Braintree
CommerceHub
Fiserve
NMI
Nuvei
OrbitalBuilt for enterprise
Everything it takes to run payments in New Zealand
Local payment methods are only half the job. We carry the operational weight — acquiring, settlement, FX, licensing and reconciliation — so you can treat New Zealand like any other market in your stack.
One integration, every local method
Connect once and reach every card scheme, wallet, bank rail and installment provider in New Zealand through a single API — no separate contract or integration per provider.
Local acquiring, higher approvals
We route to local acquirers and retry failed payments across alternate rails, so domestic cards and wallets authorize at local rates instead of being declined as cross-border traffic.
Settlement, FX & repatriation
Collect in the New Zealand dollar (NZD) and settle in your base currency. We handle the FX conversion and the local rules for moving funds out of the country — the part most global merchants underestimate.
Licensing handled locally
Process through our locally licensed partner entities. You launch without standing up a local entity or chasing a payments license of your own.
Payouts & reconciliation
Pay out to sellers and process refunds on the same rails you collect on, and reconcile every flow — pay-in, payout, refund — in one ledger, in local or base currency.
Fraud, disputes & compliance
Real-time screening, chargeback and dispute handling, and KYC/AML that matches local regulator expectations — built in, not bolted on.
Ready to launch in New Zealand?
Talk to our payments team about going live in New Zealand — coverage, local acquiring, settlement and timelines for your business.