SYNC YOUR NZ BANK ACCOUNTS
SYNC YOUR NZ BANK ACCOUNTS
SCAN TO PAY
SCAN TO PAY
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.*
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.*
The new way is scan to pay
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.
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.
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.
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.
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.
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.
READY TO MONEY?
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.
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.
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.
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.
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.
© 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