Payment methods in New Zealand

Alipay is accepted by a growing number of New Zealand merchants to serve the Chinese tourist and resident population. It enables QR code and online payments linked to Chinese bank accounts, making it essential for merchants in tourism, hospitality, and retail sectors with significant Chinese customer bases. Flow: Redirect or QR presented, user authorizes in Alipay app, payment confirmed in real-time. Tokenized flow for online payments.

Device-based digital wallets are widely used in New Zealand for both in-store contactless and online payments. New Zealand's high smartphone penetration and strong contactless payment culture mean these methods have become mainstream checkout options.

Zip (formerly Zip Pay / Zip Money) operates in New Zealand offering instalment payment plans as an alternative to Afterpay. It is accepted across retail, home goods, and services merchants, providing both short-term and longer-term payment plans with credit limits.

Afterpay is one of the most popular payment methods in New Zealand for online retail, enabling shoppers to split purchases into four fortnightly interest-free instalments. It is accepted by a wide range of New Zealand merchants and is particularly prevalent in fashion, beauty, and homewares. Afterpay is branded "Clearpay" in the UK but operates as Afterpay in NZ.

POLi is a New Zealand bank redirect payment service that allows customers to pay directly from their internet banking without using a card. It is widely accepted by government agencies, telcos, and utilities, and is integrated into many e-commerce checkouts as an alternative to card payments.

Direct bank transfers remain relevant for larger purchases and subscription payments. New Zealand's banking infrastructure supports internet banking payments directly from major banks, and payment gateways like Windcave (formerly Payment Express) facilitate bank-linked checkout options.