Pay by Bank

Accept Online Payments in NZ Fast, Secure, and Built for Kiwi Businesses

New Zealand’s first payment gateway purpose-built on the open banking standard. BlinkPay offers account-to-account payments, near real-time settlements and lower transaction fees - so you’ll get paid faster and pay less.

Accept Payments with NZ's Major Banks via Open Banking

  • ANZ
  • ASB
  • BNZ
  • Kiwibank
  • Westpac

Your customer chooses their bank at checkout and approves the payment in their own banking app.

  • No card details
  • No screen scraping

Faster, Smarter Payments

Streamline Your Payment Operations With BlinkPay

BlinkPay helps Kiwi businesses accept bank payments online through open banking — with lower fees, near real-time settlement and fast onboarding. Join others improving their cashflow and reducing overhead today.

  • 2hrs

    Typical maximum settlement time for approved payments

  • Supported

    Access to NZ-based open banking support specialists

  • 77%

    Up to 77% savings compared to card processors like Stripe

  • Easy

    To set-up and create your BlinkPay merchant ID

Live production demos

Try a real payment, right now

Two demo businesses wired to real bank payments. Explore PayNow and AutoPay flows at your own pace — no sales call required.

Explore the demos

Blink Data

Bank data your customers choose to share.

Blink Data lets customers share their account details, balances, transactions and statements straight from their bank. No chasing PDFs, no screen scraping, and nothing is shared without their consent.

Learn more about Blink Data Talk to us
  • Account verification
  • Balance checks
  • Transaction history

Customer Success Stories

Trusted by NZ Businesses Adopting Open Banking

Join the growing number of forward-thinking Kiwi companies — including recognised brands like Sharesies — that are transforming their payment experience with BlinkPay’s open banking gateway. With lower fees and near real-time settlement, BlinkPay helps local businesses move faster.

  • Instant

    Real-time wallet funding vs 1-3 day traditional bank transfers

  • 97%

    Growth in average deposit amount per transaction

  • 15%

    Increase in revenue per investor after integration

  • 67%

    Cost savings compared to card processing fees

Sharesies Business Impact

Get more insights with the Sharesies Case Study

View more

Sharesies

"Sharesies customers are incredibly cost and time sensitive."

"Enabling our customers to fund their Wallet at speed and at reduced cost is a priority for us. The BlinkPay team has been the perfect partner in unlocking Instant bank transfers for Sharesies customers, their security first attitudes, future focused tech stack and willingness to muck in with the Sharesies team, made for a painless integration and the start of fruitful and long partnership."

Sam M.

Product Lead Mobile and Marketing

Why BlinkPay

Why Choose BlinkPay For Accepting Payments Online?

Lower fees, faster settlement, enterprise-grade security and support — BlinkPay is the modern way for businesses to accept online payments.

Faster Settlements

Most payments settle within 2 hours.

Lower Fees

Up to 77% savings compared to card processors like Stripe.

Secure by Design

ISO/IEC 27001:2022 certified and no screen scraping.

24/7 Support, backed by NZ expertise

Our team offers support from specialists who really understand payments.

Trusted by Leading Kiwi Businesses

Join the growing number of businesses using BlinkPay

"Whale Watch Kaikoura Ltd has now been using Blinkpay as a payment option for our customers for over 2 years and find this to be the best payment option we have."
Angela C.Finance & Administration ManagerWhale Watch, Kaikoura NZ
  • "BlinkPay's security ethos was a major factor in our partnership. We prioritize protecting our investors' data and BlinkPay's approach of not handling or retaining payments data gives our investors peace of mind when making instant transfers."
    Brooke R.Co-CEOSharesies, Wellington
  • "BlinkPay is redefining the way payments are made in Aotearoa New Zealand, delivering a seamless and efficient solution that benefits both businesses and consumers."
    Jonathon D.Head of Payment DevelopmentBNZ, Auckland
  • "BlinkPay is the kind of partner you can pick up the phone and call. They listen to our views and ambitions, and we feel in safe hands to keep pushing forward."
    Campbell M.FounderGoldie
  • "We've chosen BlinkPay because we see them as market leaders in open banking. Partnering with them has made it easier for our clients to make a one-off contribution to their KS or Managed Fund at no extra cost. We have already had a great early response to this feature on Fisher Funds Online and we're looking forward to working together on more innovation for our clients."
    Mo O.GM Client ExperienceFisher Funds
  • "We have been exploring the idea of how do we move from sending a reminder for money to actually collecting it for years. With BlinkPay, we finally cracked it. What used to be clunky and messy is now seamless, secure, and simple for charities and enterprises alike."
    Stu W.CEOModica Group

Developer-first API

Developer-First Open Banking API for New Zealand

BlinkPay’s RESTful API makes it simple for developers to integrate secure bank payments into websites, mobile apps or existing checkouts. With real-time webhooks, sandbox testing and full API documentation, you can start accepting payments with ease.

  • Simple Integration

    Get started quickly using our SDKs or RESTful API — designed for smooth integration into websites, apps and backend systems.

  • Comprehensive API Documentation

    Access detailed guides, code samples and OpenAPI specifications to get building fast.

  • Direct Developer Support

    Work directly with our technical team to resolve issues and optimise your implementation.

Explore Our Developer Tools
debit.blinkpay.co.nz
POST https://debit.blinkpay.co.nz/payments/v1/payments

Authorization: Bearer ACCESS_TOKEN

{
  "consent_id": "035d4ea4-4037-4110-9861-183eae1408b4",
  "pcr": {
    "particulars": "INV123",
    "code": "PAYMENT",
    "reference": "CUST456"
  },
  "amount": {
    "total": "100.00",
    "currency": "NZD"
  }
}

Enterprise-Grade Security

Bank-Grade Security & Open Banking Compliance

Your business and customers deserve the highest level of data protection. BlinkPay’s platform is certified, independently tested and designed to meet the strict security requirements of New Zealand’s major banks.

Explore our security

  • Bank-Approved Security

    Our platform meets the formal security and integration standards of NZ’s largest banks. We undergo regular penetration testing and independent security audits.

  • ISO/IEC 27001:2022 Certified

    BlinkPay is ISO/IEC 27001:2022 certified, demonstrating our commitment to the secure handling and governance of sensitive financial information.

  • No Screen Scraping

    We never screen scrape. Your customers’ credentials remain secure and are exchanged only between them and their bank, via official APIs.

Start Accepting Bank Payments With BlinkPay

Join New Zealand businesses using BlinkPay’s open banking gateway to offer faster, more secure, and lower-cost payments — with full NZ bank integration and near real-time settlement.

Get Started with BlinkPayLearn How It Works