Payap

The payment app to power-up your payments

Payap isn’t just a new way to pay. It’s the new way to make your money work for you.

We’ve ditched the cards, scrapped the surcharge, and packed your phone with the kind of payment power your plastic never had.

Sync your NZ bank accounts. Swerve the surcharge. And simply scan QR codes to pay.

Join the growing number of Kiwi using Payap to master their money.

It pays to Payap.

Why Payap? Let’s break it down:

The wallet of all wallets

Link your NZ bank accounts and pay from one secure digital wallet - no matter who you bank with. No more cards or flicking between banking apps.

Scan is the new tap

QR code payments are the future! Scan to pay, and off you go. Fast, seamless payments, every time.

Spread your spend

Low on one account? No worries. Pay from two accounts at once. Or three. Or ten. We’re not here to judge. We’re here to make your money work for you. No mind-bending mental arithmetic required.

Swerve the surcharge

Pay what’s on the price tag. No checkout add-ons. Just plain and simple payments.

Master your money

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. 

Total security nerds

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, backed by BNZ and powered by Centrapay, Payap is designed for Kiwi who take security as seriously as we do. 

Ready to power-up your payments? Download to get started.

Payap Terms of Use apply. Payap requires a compatible device and operating system. Internet access required for Payap. Maintenance sometimes required. Payap is only available in New Zealand for payments between New Zealand bank accounts.

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.