IT PAYS  
TO pAYAP

The smarter way to pay –
without the surcharge

GET PAYAP

Person showing a phone with Payap transaction details on screen

SYNC YOUR NZ BANK ACCOUNTS

SCAN
TO PAY

IN ONE SLICK PAYMENT
APP

GET THE APP

Payap screen showing applets, linked bank accounts, and challenges.

Scanning a QR code on an EFTPOS terminal with Payap.

Phone showing the Payap function to link a bank account.

Swerve the surcharge

Pay what’s on the price tag. No checkout curveballs. Just fast and seamless QR code payments.

The digital wallet of all wallets

Access your bank accounts from one place and pay with a simple QR code scan.*

BYO bank

Stick with your current bank (or banks!). Just link your existing bank accounts in Payap and you’re good to go – no matter who you bank with.*^

The new way is scan to pay

Spread the spend

Running low in one account? No worries. Spread payments across multiple accounts with a simple tap and stay in control of your cash.

Master your money

Use Payap to lock in spending limits, dodge overspending, and keep your cash flow flowing.

Total security nerds

We geek out on security, so you can rest easy. Payap is backed by Bank of New Zealand and powered by Centrapay, which means your money is protected by bank-level security.

GET PAYAP

Learn More

HEY BUSINESS OWNERS!

We see you. And we think payments should be awesome for businesses too. Think smarter payments, lower fees, and a menu of soon-to-drop loyalty programmes so simple, you’ll have one up and running before your flat white turns lukewarm.

LEVEL UP YOUR BUSINESS

READY TO
MONEY?

GET PAYAP

TELL ME MORE

Small Print

*To pay with Payap, you’ll need to have a New Zealand bank account that can be linked with Payap through open banking or through a Visa or Mastercard debit card. Mastercard is a trademark of Mastercard International Incorporated. Visa is a trademark owned by Visa International Service Association and used under license.

^Payap requires a compatible device and operating system.

Eligibility criteria, Terms of Use, and Rewards Terms apply. Internet access required for Payap. Maintenance sometimes required. Payap is only available in New Zealand for payments between New Zealand bank accounts.