Pay less. Get paid faster.
It's that simple.
Transparent pricing for Kiwi businesses of every size — from sole traders to high-volume enterprises. No surprises, no hidden fees. Just honest rates that let you keep more of what you earn.
API Access Plans
Build payments into your site, app, or platform with full API access.
Just using Xero? Skip to Xero Connect — $19/mo ↓Three-year commitment offer:
Sign up for three years and we'll waive your Pay by Bank transaction fees and data consent charges for the entire first year. Platform fees and card fees apply from day one. Standard rates resume from month 13. Talk to our team to see if it's the right fit.
Sandbox
Build and test at your own pace — no strings attached.
Build & test at no cost
- Full API access (test mode)
- Developer documentation
- Sandbox environment
- Code samples & guides
- Data API testing included
- Test all four NZ banks
- Webhook event simulation
Ready to go live? Upgrade in minutes — no migration needed.
Start buildingBase
Everything you need to go live — straightforward fees, fast settlement.
Ideal for businesses processing up to $100k/mo
Pay by Bank
- PayNow (one-off): 0.59% /tx
- AutoPay (recurring): 0.59% /tx
Card payments
- Card (one-off): $0.25/tx + acquirer fees
Plus
Better rates and dedicated support as your volume grows.
Ideal for up to $250k/mo processed via BlinkPay
Pay by Bank
- PayNow (one-off): 0.49% /tx
- AutoPay (recurring): 0.49% /tx
Card payments
- Card (one-off): $0.25/tx + acquirer fees
Custom
For businesses processing over $250k/mo, or organisations with specific needs.
High-volume business? Start-up, charity, or government organisation? We'll work with you to build the right structure. Get in touch and we'll take it from there.
Not sure if you qualify? Just get in touch — we're happy to chat.
Talk to our team* Settlement within 2 hours is generally available during NZ SBI operating hours (9am – midnight, 7 days).
All prices in NZD and exclude GST. Card payments support one-off transactions only. Acquirer relationship required. All plans require a 12-month commitment, billed monthly in arrears.
Your platform fee covers access to both payment products and data APIs — one plan, one fee.
Xero Connect
Get paid faster on your Xero invoices — no technical setup required. Pay by Bank is added directly to your invoices, payments reconcile automatically, and money hits your account within two hours.* Perfect for sole traders and small businesses already on Xero.
Pay by Bank: 0.59% per transaction
(Applies to Xero invoice payments)
Card (one-off): $0.25/tx + acquirer fees
- Automatic Xero reconciliation
- Pay by Bank on invoices
- Settlement within 2 hours*
- 24/7 live chat & email support
Need full API access instead? See API Access Plans above.
Why Kiwi businesses are switching
Lower fees, faster settlement, and a payment model built for how modern businesses actually work.
Grow More, Pay Less
As your volume grows, your rate drops — from 0.59% down to 0.49% for Pay by Bank, with custom rates for high-volume businesses.
Hours, Not Days*
Most payments settle within 2 hours. Better cashflow means your business moves faster.
No Surprises
A fixed monthly platform fee plus a simple per-transaction rate. You only pay for what you process.
Up and Running Fast
Developer-friendly APIs, clear docs, and a sandbox to test in. Plus a hosted payment gateway — redirect customers to our secure checkout with minimal build.
What You See Is What You Pay
No hidden fees, no gotchas. Everything's on this page. Want to save more? Ask about our 3-year plan with first-year transaction fees waived.
Secure by Design
Built on regulated open banking — no screen scraping, no credential sharing. Secure, consent-driven payments across NZ's major banks.
See How Much You Could Save
Still paying 2.65% + $0.30 on every card transaction? Shifting volume to Pay by Bank can make a significant difference to your processing costs.
| Feature | BlinkPay (Open Banking) | Stripe NZ (Cards) |
|---|---|---|
| Payment Type | Account-to-account via open banking | Card payments (Visa, Mastercard, etc.) |
| Transaction Fees | 0.49% – 0.59% depending on plan (PayNow & AutoPay) | 2.65% + NZ$0.30 per transaction (domestic cards) |
| Platform / Monthly Fee | Free sandbox; from $99/mo for production (12-month commitment) | No monthly fee |
| Cost on $100k/mo | ~$669/mo (incl. $179 platform fee) | ~$2,950/mo (incl. $0.30/tx fixed fee) |
| Settlement Time | Within 2 hours* | 2 business days |
| Hosted Payment Gateway | Yes — redirect integration | Yes — Checkout / Elements |
| Open Banking Regulated | Yes | N/A — card rails |
| Customer Credentials Required | No — bank-authorised consent | Card details only |
BlinkPay (Open Banking)
Stripe NZ (Cards)
Real example: A business processing $100,000/month with Stripe pays around $2,950/mo in card fees. Move that volume to BlinkPay Pay by Bank on the Plus plan — $490 in transaction fees plus the $179 platform fee — and you're looking at ~$669/mo total. That's a saving of around 77%. The right mix of card and Pay by Bank will depend on your customers, but the numbers speak for themselves.
Everything You Get with a Paid Plan
One platform fee gives you the full open banking product suite — payments, data APIs, and developer tools. BlinkPay is accredited under New Zealand's Consumer Data Right (CDR) framework and is compliant with Payments NZ Open Banking standards.
Payment Products
CDR AccreditedBlink PayNow
One-off Pay by Bank and Pay by Card through a single hosted gateway. Redirect customers to our secure checkout — minimal build, maximum flexibility.
Blink AutoPay
The modern replacement for direct debit — recurring account-to-account payments with instant approval, no dishonours, and customers stay in control.
Blink Request to Pay
Send a secure payment request directly to your customer's mobile banking app for instant authorisation.
Data APIs
API access to data products is included in your platform fee. Per-consent charges are shown in each plan above.
Confirmation of Balance
Instantly verify a customer's live account balance before initiating a payment.
Confirmation of Account
Verify bank account numbers and ownership for onboarding and payment setup.
Confirmation of Identity
Retrieve bank-validated name, phone, postal, and email address for KYC and verification.
Transaction Data Access
Real-time transaction data from transaction and savings accounts, credit cards, and loans.
Statements
Access statements for transactional and savings accounts, credit cards, and loans.
Platform & Support
Full API Access
Clear docs, sandbox environment, and code samples to get you building fast. Plus a hosted payment gateway for redirect integration.
Merchant Dashboard
See where your money is. Track payments, manage cashflow, and reconcile transactions in real time.
Multi-Bank Support
One integration, four banks — ASB, ANZ, BNZ, and Westpac. Settled via NZ's banking infrastructure.
24/7 Support
Support from people who actually understand payments — available on every plan.
Real-Time Status
Instant payment status updates and webhook notifications — no more guessing.
We've got answers
Common questions about pricing, plans, and how it all works.
Pricing & Fees
Products & Eligibility
Plans & Features
Support & Comparisons
Ready to get paid faster and pay less?
- No setup fees — up and running in minutes
- Free sandbox — build today, pay only when you go live
- Support from real payment specialists