ACCEPT
LOW-COST
PAYMENTS
ACCEPT
LOW-COST
PAYMENTS
Payap lets you take digital payments wherever you do business. Whether in-store, online, or on the go, accept simple QR code payments straight from your existing EFTPOS machine, online store, smartphone, or tablet.* Customers simply scan the QR code on your device or online checkout with the Payap app and pay in seconds.
Payap lets you take digital payments wherever you do business. Whether in-store, online, or on the go, accept simple QR code payments straight from your existing EFTPOS machine, online store, smartphone, or tablet.* Customers simply scan the QR code on your device or online checkout with the Payap app and pay in seconds.
Low fees,
high five
Everyone’s a winner
Payap’s making digital payments cheaper - for you and your customers. It has low in-store and online acceptance fees (that’s a win). It’s super-fast to set up, using your EFTPOS machine or ecommerce solution like Shopify (double win).* And soon, your customers could be lapping up the loyalty programmes you create just for them. Win, win, win!
Payap’s making digital payments cheaper - for you and your customers. It has low in-store and online acceptance fees (that’s a win). It’s super-fast to set up, using your EFTPOS machine or ecommerce solution like Shopify (double win).* And soon, your customers could be lapping up the loyalty programmes you create just for them. Win, win, win!
In-store acceptance fee: 0.39% of the value of net sales.
In-store acceptance fee: 0.39% of the value of net sales.
Online acceptance fee: Less than 1% of the value of net sales. Fees can vary depending on your chosen ecommerce provider. Enquire online to understand the price specific to your webstore.
Online acceptance fee: Less than 1% of the value of net sales. Fees can vary depending on your chosen ecommerce provider. Enquire online to understand the price specific to your webstore.
No additional Payap monthly fees.^
No additional Payap monthly fees.^
Low fees,
high five
Payap’s making digital payments cheaper - for you and your customers. It has low in-store and online acceptance fees (that’s a win). It’s super-fast to set up, using your EFTPOS machine or ecommerce solution like Shopify (double win).* And soon, your customers could be lapping up the loyalty programmes you create just for them. Win, win, win!
In-store acceptance fee: 0.39% of the value of net sales.
Online acceptance fee: Less than 1% of the value of net sales. Fees can vary depending on your chosen ecommerce provider. Enquire online to understand the price specific to your webstore.
No additional Payap monthly fees.^
Take your business places by accepting Payap on the go
Forget passing out your bank account number. Forget fiddling with coins. Turn your smartphone or tablet into a payment terminal and accept Payap.*
Now you can take digital payments anywhere your business takes you. Whether at the farmers’ market, on a job site, doing deliveries, or running a pop-up.
Customers with Payap can just scan your QR code and pay.⁺ No fumbling with cash or awkward bank transfers. Just a quick scan and you’re sorted.
Take your business places by accepting Payap on the go
Forget passing out your bank account number. Forget fiddling with coins. Turn your smartphone or tablet into a payment terminal and accept Payap.*
Now you can take digital payments anywhere your business takes you. Whether at the farmers’ market, on a job site, doing deliveries, or running a pop-up.
Customers with Payap can just scan your QR code and pay.⁺ No fumbling with cash or awkward bank transfers. Just a quick scan and you’re sorted.
Get on the map
Customers can’t shop with you if they can’t find you! Get listed on Payap’s Store Finder so they can check your hours, contact you, and plan their next visit.
Get on the map
Customers can’t shop with you if they can’t find you! Get listed on Payap’s Store Finder so they can check your hours, contact you, and plan their next visit.
You call the shots
With Payap, you get access to the Centrapay Business Portal — an easy-to-use platform that pulls together payments and financial insights. You run the biz, we've got the rest.
You call the shots
With Payap, you get access to the Centrapay Business Portal — an easy-to-use platform that pulls together payments and financial insights. You run the biz, we've got the rest.
JOIN THE PARTY
Get in with the thousands of NZ businesses now accepting Payap - giving your customers the freedom to go card-free, with simple payments and seamless spending.
JOIN THE PARTY
Get in with the thousands of NZ businesses now accepting Payap - giving your customers the freedom to go card-free, with simple payments and seamless spending.
JOIN THE PARTY
Get in with the thousands of NZ businesses now accepting Payap - giving your customers the freedom to go card-free, with simple payments and seamless spending.
Payap in action
Taking Payap payments is a cinch.
01
Set up payment
Create the transaction in your EFTPOS or Point of Sale system.*
02
Present terminal to customer
Your customer selects the Centrapay option, and a QR code pops up on your terminal.
03
QR code is scanned
Your customer scans with Payap on their phone, approves, and pays.
04
Get confirmation
You’re both notified the transaction has gone through. The funds land in your account the next morning.
Payap in action
Taking Payap payments is a cinch.
01
Set up payment
Create the transaction in your EFTPOS or Point of Sale system.*
02
Present terminal to customer
Your customer selects the Centrapay option, and a QR code pops up on your terminal.
03
QR code is scanned
Your customer scans with Payap on their phone, approves, and pays.
04
Get confirmation
You’re both notified the transaction has gone through. The funds land in your account the next morning.
Payap in action
Taking Payap payments is a cinch.
01
Set up payment
Create the transaction in your EFTPOS or Point of Sale system.*
02
Present terminal to customer
Your customer selects the Centrapay option, and a QR code pops up on your terminal.
03
QR code is scanned
Your customer scans with Payap on their phone, approves, and pays.
04
Get confirmation
You’re both notified the transaction has gone through. The funds land in your account the next morning.
FRESH FEATURES IN THE PIPELINE
See what's coming next.
Loyalty templates and offers
Run interactive promos right from Store Finder
Get next-level insights on your customers
FRESH FEATURES IN THE PIPELINE
See what's coming next.
Loyalty templates and offers
Run interactive promos right from Store Finder
Get next-level insights on your customers
FRESH FEATURES IN THE PIPELINE
See what's coming next.
Loyalty templates and offers
Run interactive promos right from Store Finder
Get next-level insights on your customers
Small Print
*To use Payap, you'll need to have a compatible terminal model, POS solution or ecommerce solution and agree to Centrapay's terms and conditions. Check if yours is compatible at Centrapay.com. Internet access required.
^ Fees charged by your terminal provider or ecommerce provider will continue to apply.
For merchants onboarded for Payap instore acceptance with BNZ, this service will be part of your merchant services facility with BNZ. Eligibility criteria, BNZ Merchant Agreement Master Terms and Conditions and fees apply. Fees are subject to change.
For merchants onboarded for Payap instore or ecommerce acceptance with Centrapay, eligibility criteria, Centrapay Merchant Agreement, Centrapay Payap Merchant Terms and fees apply. Fees are subject to change.
⁺Customers must have Payap or bank with BNZ, Westpac or ASB and have their bank’s app.
Small Print
*To use Payap, you'll need to have a compatible terminal model, POS solution or ecommerce solution and agree to Centrapay's terms and conditions. Check if yours is compatible at Centrapay.com. Internet access required.
^ Fees charged by your terminal provider or ecommerce provider will continue to apply.
For merchants onboarded for Payap instore acceptance with BNZ, this service will be part of your merchant services facility with BNZ. Eligibility criteria, BNZ Merchant Agreement Master Terms and Conditions and fees apply. Fees are subject to change.
For merchants onboarded for Payap instore or ecommerce acceptance with Centrapay, eligibility criteria, Centrapay Merchant Agreement, Centrapay Payap Merchant Terms and fees apply. Fees are subject to change.
⁺Customers must have Payap or bank with BNZ, Westpac or ASB and have their bank’s app.
Small Print
*To use Payap, you'll need to have a compatible terminal model, POS solution or ecommerce solution and agree to Centrapay's terms and conditions. Check if yours is compatible at Centrapay.com. Internet access required.
^ Fees charged by your terminal provider or ecommerce provider will continue to apply.
For merchants onboarded for Payap instore acceptance with BNZ, this service will be part of your merchant services facility with BNZ. Eligibility criteria, BNZ Merchant Agreement Master Terms and Conditions and fees apply. Fees are subject to change.
For merchants onboarded for Payap instore or ecommerce acceptance with Centrapay, eligibility criteria, Centrapay Merchant Agreement, Centrapay Payap Merchant Terms and fees apply. Fees are subject to change.
⁺Customers must have Payap or bank with BNZ, Westpac or ASB and have their bank’s app.
© Bank of New Zealand 2026
© Bank of New Zealand 2026
© Bank of New Zealand 2025