The power-up your payments app
The power-up your payments app
Payap isn’t just the new way to pay. It’s the new way to make your money work for you – all with a simple QR code scan.
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Everyone’s a winner
We’re very open minded, but surcharges? No thanks. With Payap you pay what’s on the price tag. No checkout surcharge. Just plain and simple payments.
Surcharge left the chat
We’re very open minded, but surcharges? No thanks. With Payap you pay what’s on the price tag. No checkout surcharge. Just plain and simple payments.
Put your money where your mobile is
Everyone’s a winner
Shuffling bank cards at checkout? We’re over that. Payap gives you access to your bank accounts (and soon, reward programmes, too) from one secure digital wallet. *^ Then just scan and choose which one to pay with. You’ll never fumble for the right card again.
We’re not picky
Maybe you’re a one-bank ride or die. Maybe you’ve got loads of banks on the go. Either way, we’ve got you. Payap isn’t tied to one NZ bank – it’s built to work no matter who you bank with.* Just link your bank accounts and start paying.
Put your money where your mobile is
Shuffling bank cards at checkout? We’re over that. Payap gives you access to your bank accounts (and soon, reward programmes, too) from one secure digital wallet. *^ Then just scan and choose which one to pay with. You’ll never fumble for the right card again.
We’re not picky
Maybe you’re a one-bank ride or die. Maybe you’ve got loads of banks on the go. Either way, we’ve got you. Payap isn’t tied to one NZ bank – it’s built to work no matter who you bank with.* Just link your bank accounts and start paying.
Pick ‘n’ mix payments
No more sweaty palms at checkout when your card’s running low. With Payap, you can see your balances and spread payments across multiple accounts right on the spot - whether you're balancing budgets, or managing cash flow like a pro.
Boss mode: Activated
Real bosses don’t wing it. They run the numbers. Payap gives you the tools to stay on top of your money like a pro, with spending limits, real-time tracking, and a clear view of your cash flow. No more money mayhem. Just bossing your finances.
Security is our jam
When it comes to security, we really don’t mess around. We’re talking bank-level security and fingerprint, face, or pin code verification. Built for New Zealand, powered by Centrapay and backed by BNZ, Payap is designed for Kiwi who take security as seriously as we do.
Pick ‘n’ mix payments
No more sweaty palms at checkout when your card’s running low. With Payap, you can see your balances and spread payments across multiple accounts right on the spot - whether you're balancing budgets, or managing cash flow like a pro.
Boss mode: Activated
Real bosses don’t wing it. They run the numbers. Payap gives you the tools to stay on top of your money like a pro, with spending limits, real-time tracking, and a clear view of your cash flow. No more money mayhem. Just bossing your finances.
Security is our jam
When it comes to security, we really don’t mess around. We’re talking bank-level security and fingerprint, face, or pin code verification. Built for New Zealand, powered by Centrapay and backed by BNZ, Payap is designed for Kiwi who take security as seriously as we do.
The new way is scan to pay
All hail the black and white pixels. Payap is the future of payments, where the QR code is queen!
The new way is scan to pay
All hail the black and white pixels. Payap is the future of payments, where the QR code is queen!
The new way is scan to pay
All hail the black and white pixels. Payap is the future of payments, where the QR code is queen!
The new way is scan to pay
All hail the black and white pixels. Payap is the future of payments, where the QR code is queen!
How Payap works
Paying with Payap is a breeze.
01
Get Payap for free
Download the app and add your bank accounts. *^
02
Spot Centrapay
Look for the Centrapay option when you pay.
03
Scan & Pay
Select Centrapay, scan the QR code, and approve.
04
Get confirmation
Ping! See all your payments in an instant.
How Payap works
Paying with Payap is a breeze.
01
Get Payap for free
Download the app and add your bank accounts. *^
02
Spot Centrapay
Look for the Centrapay option when you pay.
03
Scan & Pay
Select Centrapay, scan the QR code, and approve.
04
Get confirmation
Ping! See all your payments in an instant.
How Payap works
Paying with Payap is a breeze.
01
Get Payap for free
Download the app and add your bank accounts. *^
02
Spot Centrapay
Look for the Centrapay option when you pay.
03
Scan & Pay
Select Centrapay, scan the QR code, and approve.
04
Get confirmation
Ping! See all your payments in an instant.
How Payap works
Paying with Payap is a breeze.
01
Get Payap for free
Download the app and add your bank accounts. *^
02
Spot Centrapay
Look for the Centrapay option when you pay.
03
Scan & Pay
Select Centrapay, scan the QR code, and approve.
04
Get confirmation
Ping! See all your payments in an instant.
BIG THINGS ARE BREWING
Stay tuned for the next drop of new features.
Pay for your online shopping cart
Load gift cards into Payap and redeem with a tap
Ditch the flimsy paper coffee stamp cards – track stamps with Payap instead
BIG THINGS ARE BREWING
Stay tuned for the next drop of new features.
Pay for your online shopping cart
Load gift cards into Payap and redeem with a tap
Ditch the flimsy paper coffee stamp cards – track stamps with Payap instead
BIG THINGS ARE BREWING
Stay tuned for the next drop of new features.
Pay for your online shopping cart
Load gift cards into Payap and redeem with a tap
Ditch the flimsy paper coffee stamp cards – track stamps with Payap instead
BIG THINGS ARE BREWING
Stay tuned for the next drop of new features.
Pay for your online shopping cart
Load gift cards into Payap and redeem with a tap
Ditch the flimsy paper coffee stamp cards – track stamps with Payap instead
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