LET’S GET
DOWN TO
BUSINESS
LET’S GET
DOWN TO
BUSINESS
Payap lets you take digital payments straight from your existing EFTPOS machine.* Your customers just scan the QR code on your terminal with their app. It’s fast, cost-effective, and built to help you turn one-off shoppers into lifelong superfans.
Payap lets you take digital payments straight from your existing EFTPOS machine.* Your customers just scan the QR code on your terminal with their app. It’s fast, cost-effective, and built to help you turn one-off shoppers into lifelong superfans.
Everyone’s
a winner
Everyone’s a winner
Payap’s making digital payments cheaper - for you and your customers. It has a low in-store acceptance fee of either 0.39% or 0.59% (that’s a win). ^ It’s super-fast to set up, using your EFTPOS machine (double win). * And soon, your customers could be lapping up the loyalty programmes you create just for them. Win, win, win!
Everyone’s
a winner
Payap’s making digital payments cheaper - for you and your customers. It has a low in-store acceptance fee of either 0.39% or 0.59% (that’s a win). ^ It’s super-fast to set up, using your EFTPOS machine (double win). * And soon, your customers could be lapping up the loyalty programmes you create just for them. Win, win, win!
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
Accept Payap payments online
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
Accept Payap payments online
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
Accept Payap payments online
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
Accept Payap payments online
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
Accept Payap payments online
Get next-level insights on your customers
Small Print
*To use Payap, you’ll need to have a compatible terminal model and agree to Centrapay’s terms and conditions. Check if your terminal model is compatible at Centrapay.com.
^Payap has an in-store payment processing fee of at least 0.39% of the value of net sales. This fee is available when you process less than $300,000 per annum in net sales through Payap or settle to a BNZ bank account. If you process $300,000 or more per annum in net sales through Payap and settle to a non-BNZ bank account, an in-store payment processing fee of 0.59% of the value of net sales will apply. Fees are subject to change.
This service will be part of your merchant services facility with BNZ. Eligibility criteria, BNZ Merchant Master Agreement Terms and Conditions and fees apply.
Small Print
*To use Payap, you’ll need to have a compatible terminal model and agree to Centrapay’s terms and conditions. Check if your terminal model is compatible at Centrapay.com.
^Payap has an in-store payment processing fee of at least 0.39% of the value of net sales. This fee is available when you process less than $300,000 per annum in net sales through Payap or settle to a BNZ bank account. If you process $300,000 or more per annum in net sales through Payap and settle to a non-BNZ bank account, an in-store payment processing fee of 0.59% of the value of net sales will apply. Fees are subject to change.
This service will be part of your merchant services facility with BNZ. Eligibility criteria, BNZ Merchant Master Agreement Terms and Conditions and fees apply.
Small Print
*To use Payap, you’ll need to have a compatible terminal model and agree to Centrapay’s terms and conditions. Check if your terminal model is compatible at Centrapay.com.
^Payap has an in-store payment processing fee of at least 0.39% of the value of net sales. This fee is available when you process less than $300,000 per annum in net sales through Payap or settle to a BNZ bank account. If you process $300,000 or more per annum in net sales through Payap and settle to a non-BNZ bank account, an in-store payment processing fee of 0.59% of the value of net sales will apply. Fees are subject to change.
This service will be part of your merchant services facility with BNZ. Eligibility criteria, BNZ Merchant Master Agreement Terms and Conditions and fees apply.
Small Print
*To use Payap, you’ll need to have a compatible terminal model and agree to Centrapay’s terms and conditions. Check if your terminal model is compatible at Centrapay.com.
^Payap has an in-store payment processing fee of at least 0.39% of the value of net sales. This fee is available when you process less than $300,000 per annum in net sales through Payap or settle to a BNZ bank account. If you process $300,000 or more per annum in net sales through Payap and settle to a non-BNZ bank account, an in-store payment processing fee of 0.59% of the value of net sales will apply. Fees are subject to change.
This service will be part of your merchant services facility with BNZ. Eligibility criteria, BNZ Merchant Master Agreement Terms and Conditions and fees apply.
Small Print
*To use Payap, you’ll need to have a compatible terminal model and agree to Centrapay’s terms and conditions. Check if your terminal model is compatible at Centrapay.com.
^Payap has an in-store payment processing fee of at least 0.39% of the value of net sales. This fee is available when you process less than $300,000 per annum in net sales through Payap or settle to a BNZ bank account. If you process $300,000 or more per annum in net sales through Payap and settle to a non-BNZ bank account, an in-store payment processing fee of 0.59% of the value of net sales will apply. Fees are subject to change.
This service will be part of your merchant services facility with BNZ. Eligibility criteria, BNZ Merchant Master Agreement Terms and Conditions and fees apply.
© 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