Pay by Bank
Built for New Zealand
Qippay Open Banking Infrastructure, specialising in regulated open banking payments and data.
Enable customers to pay directly from their bank accounts, securely and with instant payment confirmation.
OUR SOLUTIONS
Simple, secure and affordable.
Our future-ready solutions leverage the latest Open Banking technology to provide fast, secure and cost-effective payment and data options.
We're accredited under MBIE's open banking framework and certified to ISO 27001. With direct bilateral integrations across all major banks and no screen-scraping, we deliver secure, compliant infrastructure built to last.
Making us the only New Zealand-owned open banking company that doesn't screen-scrape.
WHY QIPPAY
Opening up strategic advantage.
We provide the most competitive payment acceptance and data services in the market, to help our clients gain market share.
Lower Transaction Costs
We save our clients thousands of dollars per annum. There are no costs to consumers, whether direct or indirect (e.g. credit card fees).
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Reduced Risk of Fraud
Consumers are in full control and pay seamlessly and securely via their banking app. Unlike Screen-scraping we have no access to your customer's banking credentials.
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Ease of Switching Providers
Our solutions are built using agreed industry standards so that clients can move easily and with minimal costs. Clients stay with us because we are the best in the market, not because it is too hard to change.
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Elevated Client Experience
There is no need for consumers to remember card details or bank account numbers. Our payment UX is simple and intuitive to navigate, leading to less cart abandonment.
3 June 2026
New Zealand's Recurring Payments: Insights from Recent Research
Understanding the Landscape of Recurring Payments Recurring payments are already embedded in everyday life, from subscriptions and utilities to household bills and other regular payments. Yet, the systems behind many of those payments still create friction for both businesses and consumers. To better understand where the market stands, Qippay commissioned independent research into how New Zealand businesses and consumers view the future of recurring payments. This includes ongoing payments,...
15 May 2026
Who Is AnyPay For? One-Click Open Banking Payments for Repeat Customer Relationships
Most businesses do not lose customers because the customer dislikes the product. They lose them because the experience becomes too hard. A customer wants to make a repeat purchase, but has to enter card details again. A subscriber gets a new card and forgets to update it. A loyal customer scans a loyalty card, then has to tap a second card to pay. A user inside an app is ready to top up, renew or pay, but the payment step slows everything down. The problem is not demand. The problem is...
15 May 2026
Who Is SetPay For? New Zealand's Open Banking Recurring Payment Solution
Recurring payments are meant to make business easier. For New Zealand businesses, open banking is now making that possible in a fundamentally different way, replacing legacy direct debit and card-on-file models with consent-led, account-to-account payment infrastructure that works better for both businesses and the customers they serve. SetPay is Qippay's modern recurring payment solution, built on open banking rails. It gives businesses a better way to collect regular payments, while giving...
24 February 2026
Why Enduring Consent is the Future of Kiwi Payments
When a business hears about a ‘new payment model’ the scepticisms is usually immediate: “Is this experimental, or does it actually work?” With Enduring Consent and Open Banking, the answer is clear: It already works! It has been the silent engine behind regular payments in the UK, Europe, and Australia for years. What is changing now is that New Zealand finally has the infrastructure to bring this reliability home. This isn’t a trial. It is the logical next step for any business that relies...
OUR INDUSTRY
Open for business.
Open banking is transforming the financial landscape in New Zealand, offering exciting opportunities for businesses and consumers alike.
By enabling secure access to financial data and fostering seamless integration between banks and third-party providers like Qippay, Open Banking empowers consumers to take greater control of their finances.
It also provides businesses with new possibilities to streamline operations, enhance payment solutions and deliver personalised services.
67%
Consumers are open to trying Open Banking solutions.
$330bn
Open Banking transactions by 2027.
27%
Annual growth in Open Banking market value through to 2030.