LET’S GET
DOWN TO
BUSINESS
LET’S GET
DOWN TO
BUSINESS
Payap lets you take digital payments straight from your existing EFTPOS machine or online store.* Your customers just scan the QR code on your terminal (or online checkout) with their app. It's fast, cost-effective, and built to help you turn one-off shoppers into superfans.
Payap lets you take digital payments straight from your existing EFTPOS machine or online store.* Your customers just scan the QR code on your terminal (or online checkout) with their app. It's fast, cost-effective, and built to help you turn one-off shoppers into superfans.
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 (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 (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 (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.^
Big boss energy
With Payap, you get access to the Centrapay Business Portal — an easy-to-use platform that pulls together payments and financial insights. Bossing business has never been easier.
Big boss energy
With Payap, you get access to the Centrapay Business Portal — an easy-to-use platform that pulls together payments and financial insights. Bossing business has never been easier.
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.
JOIN THE PARTY
Get in with the growing number of stores accepting Payap – giving your customers the freedom to go card-free, with seamless spending.
JOIN THE PARTY
Get in with the growing number of stores accepting Payap – giving your customers the freedom to go card-free, with seamless spending.
JOIN THE PARTY
Get in with the growing number of stores accepting Payap – giving your customers the freedom to go card-free, with seamless spending.
JOIN THE PARTY
Get in with the growing number of stores accepting Payap – giving your customers the freedom to go card-free, with seamless spending.
JOIN THE PARTY
Get in with the growing number of stores accepting Payap – giving your customers the freedom to go card-free, with 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.
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
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 or ecommerce solution and agree to Centrapay's terms and conditions. Check if yours is compatible at Centrapay.com
^ 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.
Small Print
*To use Payap, you'll need to have a compatible terminal model or ecommerce solution and agree to Centrapay's terms and conditions. Check if yours is compatible at Centrapay.com
^ 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.
Small Print
*To use Payap, you'll need to have a compatible terminal model or ecommerce solution and agree to Centrapay's terms and conditions. Check if yours is compatible at Centrapay.com
^ 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.
Small Print
*To use Payap, you'll need to have a compatible terminal model or ecommerce solution and agree to Centrapay's terms and conditions. Check if yours is compatible at Centrapay.com
^ 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.
Small Print
*To use Payap, you'll need to have a compatible terminal model or ecommerce solution and agree to Centrapay's terms and conditions. Check if yours is compatible at Centrapay.com
^ 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.
© Bank of New Zealand 2025
© Bank of New Zealand 2025
© Bank of New Zealand 2025
© Bank of New Zealand 2025
© Bank of New Zealand 2025