Get Paid with BlinkPay – Accept Payments Online in New Zealand
Accept payments online with BlinkPay. Give customers the choice of direct bank payments or cards through our hosted gateway, with integration options for your website or checkout.
What's Holding Your Payments Back?
Explore common payment challenges and discover how BlinkPay provides elegant, effective solutions to help your business thrive.
Why does it take so long to get paid?
Settlement delays are a thing of the past. While traditional methods take days, with BlinkPay most transactions are settled in your bank account within hours, improving your cash flow and business agility.
- Hours to settlement, instant confirmation
Why are payment fees eating into my profits?
Traditional payment processors charge 2.65–2.9% + fees per transaction. BlinkPay's Pay by Bank rates range from just 0.49–0.59%, so you keep more of every sale — with the same level of service and security.
- Ditch high fees
Why do payments keep failing?
Card payments fail due to expired cards, insufficient funds, or technical issues. BlinkPay's bank-to-bank payments have higher success rates and clearer failure messaging.
- Real payments from real bank accounts
Why Choose BlinkPay For Accepting Payments Online?
Lower fees, faster settlement, enterprise-grade security and dedicated support — BlinkPay is the modern way for businesses to accept online payments.
Faster Settlements
Most payments settle within 2 hours and merchants are notified straight away.
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.
Faster Settlements
Most payments settle within 2 hours and merchants are notified straight away.
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.
Most payments settle within about 2 hours.
A simple, secure and fast way to accept payments.
Customer Selects BlinkPay
Customer chooses BlinkPay as their payment method at checkout for a seamless experience
Secure Bank Login
They securely log in to their bank
Faster Settlements
Payment is authorised and settled directly to your account -- typically within 2 hours
Blink AutoPay - Smart Recurring Payments
Modern replacement for Direct Debit with instant approval and complete customer control
Future Cashflow Secured
Lock in predictable revenue once customers approve.
Setup in Minutes
Easy onboarding, no complex paperwork.
Error-Free Processing
Funds settle into the right account every time.
Revenue Recovery
Built-in alternatives if payments fail.
AutoPay vs Direct Debit
Same amount, same day, collected for you.
For subscriptions, memberships and loan repayments that don't change, Fixed Recurring Payments takes each payment for you. Your customer approves once in their banking app. BlinkPay then collects the same amount on schedule until the arrangement ends.
Nothing to run each month. Set the schedule once and BlinkPay takes each payment from 9am NZ time on the due date.
A second try if it fails. Choose same-day retries and BlinkPay tries again roughly hourly until 10pm.
Told about every payment. Get a notification each time a payment goes through, fails or the schedule is cancelled.
Your customer approves an AutoPay arrangement in their banking app.
You set the amount and start date.
BlinkPay takes each payment on schedule.
You're notified as each one completes.
AutoPay or Fixed Recurring?
| Compare | Blink AutoPay | Fixed Recurring Payments |
|---|---|---|
| Who starts each payment | You, through the API, when you need to | BlinkPay, automatically on each due date |
| Amount | Can vary, within the limits your customer approved | The same every time |
| Best for | Usage-based billing and invoices that change | Subscriptions, memberships, donations and loan repayments |
BlinkPay vs Competition
Compare BlinkPay with other payment solutions
Stripe
Account2Account
Ready to switch?
Looking for a Stripe alternative in NZ? See why businesses are switching to BlinkPay for faster, cheaper and more secure payments.
Ready to switch?
Looking for a Stripe alternative in NZ? See why businesses are switching to BlinkPay for faster, cheaper and more secure payments.
Send the payment request straight to their banking app.
Request to Pay sends a payment request to your customer's mobile banking app. They check the details and approve it with their fingerprint or PIN. There's no link to click, no card number to type and no login to remember.
Seen where they bank.
The request turns up in the app your customer already uses and trusts, not buried in their inbox.
No links to click.
Customers approve inside their own banking app rather than through a link in an email or text.
Their choice, every time.
Your customer approves or declines each request, so nothing leaves their account without their say-so.
You know straight away.
You see the moment a request is approved or declined, and most payments settle within 2 hours.
Good for overdue bills, invoices, subscription renewals and donations.
How it works
You send the request with your customer's mobile number, or the identifier their bank uses.
Their bank sends a notification, or the request is waiting when they next open the app.
They review the amount and who it's from, then approve or decline.
You get the result straight away.
Cards and pay by bank, in one checkout.
Some customers will always reach for a card. With BlinkPay, they can pay by Visa, Mastercard, Apple Pay or Google Pay on the same hosted checkout as pay by bank. You don't need a second payment provider to offer both.
One checkout, one dashboard. Bank and card payments come through the same gateway and show up together in your Client Portal.
Simple pricing. $0.25 per card transaction, plus your acquirer's fees.
Works with your bank. Card payments settle through your own merchant facility with your bank.
Refunds when you need them. Refund a card payment in full or in part.
How it works
Your customer chooses card or bank at checkout.
They pay by card or digital wallet, or approve in their banking app.
You see the result straight away.
Get paid in seconds, not hours.
Your customer approves the payment in their own banking app, and the money lands in your BNZ account seconds later, cleared and ready to use. In testing with BNZ, payments arrived 2.6 seconds after the customer approved them.
Cleared funds, not a promise. The money is in your account, so you can release goods, start a pay run or confirm an investment straight away.
Your customers pay the way they already do. They approve in their own bank, with the same login and checks they use every day.
Checks on every payment. The customer's bank authenticates and approves each payment, and BlinkPay checks it again before any money moves.
Built for businesses paid by invoice, payroll providers, and investment and wealth platforms that need cleared funds fast.
Talk to us about InstantHow it works
You request the payment through BlinkPay, just as you do today.
Your customer approves it in their banking app.
The money lands in your BNZ account within seconds.
Pay by bank for your WooCommerce store, no code needed.
Running your shop on WooCommerce? Install the free BlinkPay plugin, add your keys, and your customers can pay straight from their bank at checkout. Switch on card payments as well, and they can pay by card through the same checkout.
BlinkPay NZ for WooCommerce
Free and open source. Find it in the WordPress plugin directory, with the source code on GitHub.
Orders update themselves. The plugin checks every payment with BlinkPay before it marks an order as paid.
Refunds from the order screen. Card payments are refunded automatically. For bank payments, the plugin shows the account your customer paid from, so you can refund them from your own bank.
Fits the checkout you have. Works with both the classic and block-based WooCommerce checkout.
How it works
In WordPress, go to Plugins > Add New and install "BlinkPay NZ for WooCommerce".
Add your BlinkPay client ID and secret.
Add the plugin's callback URL to your allowed redirect URLs in the Client Portal.
Test in sandbox, then switch to your production keys.
Building a custom integration?
Connect your website, app or backend with a BlinkPay SDK.
WooCommerce and its associated designs are trademarks of Automattic Inc. WordPress is a registered trademark of the WordPress Foundation.
Seamless
Integration
Transform your Xero invoicing with our native integration - no technical knowledge required
Simple Setup
Install BlinkPay App
Install BlinkPay from Xero App Store (NZ)
Send Invoices as Usual
Send invoices as usual
Payment Button Appears
Customers see "Pay with BlinkPay" button
Auto-Populate References
Payment references auto-populate
Automatic Reconciliation
Automatic reconciliation on payment
Key Benefits
Zero Technical Setup
No complex configuration or technical knowledge required
Perfect Reconciliation
Every payment automatically matches to the correct invoice
Faster Payment Collection
Customers can pay instantly, improving your cash flow
Existing Workflow
Works seamlessly with your current Xero invoicing process
Ready to Get Started?
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 Manager
Whale 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-CEO
Sharesies,
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 Development
BNZ,
Auckland
Frequently Asked Questions
Find answers to common questions about how BlinkPay works and how to accept payments securely and easily.