Enduring consent is a customer-approved permission that allows payments to be made automatically over time, within clearly agreed-upon rules.

Instead of authorising every payment individually, customers agree upfront to things like payment limits, frequency, duration, and conditions. As long as payments stay within those rules, they can happen automatically.

Customers remain in control at all times and can review or revoke consent whenever they choose.

Why Enduring Consent Exists

Traditional recurring payments have always been awkward.

Customers either had to approve every payment manually or be available at the exact moment a payment request appeared. Miss it, and payments failed, services were disrupted, and frustration followed.

Enduring consent was designed to remove that friction without removing control. It replaces repeated interruptions with a single, clear agreement that both customers and businesses can rely on.

Why It Matters Now

The way people expect payments to work has changed.

Customers expect seamless digital experiences that run quietly in the background. At the same time, New Zealand’s payments ecosystem is evolving. Open banking and Payments Initiation APIs now support longer-lasting payment permissions.

That combination makes enduring consent possible at scale, and increasingly essential.

How It Works

Consent is set up once

Customers review and approve payment rules securely through their bank.

Payments run automatically

As long as payments stay within the agreed rules, no re-authorisation is needed.

Control always stays with the customer

Consent can be viewed, changed, or cancelled at any time.

What This Means for Businesses

• More predictable cash flow

• A more cost-effective option 

• Fewer failed or delayed payments

• Lower payment-related support costs

• Better customer retention and trust

Enduring consent helps businesses spend less time managing payments and more time delivering value.

What This Means for Consumers

• Clear visibility over who can take payments and when

• Fewer interruptions and reminders

• Reduced risk of missed payments or penalties

• Ongoing control through their bank

It’s designed to make regular payments easier, not riskier.

Why Qippay

Enduring consent isn’t just a technical feature. It’s a shift in how payments should work.

Qippay has spent years working with banks, enterprises, and policymakers to understand how enduring consent needs to operate in the real world. That insight shapes a solution focused on clarity, security, and long-term trust.

The goal is simple: payments that feel effortless for customers and reliable for businesses, without compromising control or compliance.

Get Ready for What’s Next

Enduring consent is becoming a foundation of modern payments in New Zealand.

Qippay is preparing to launch enduring consent capabilities soon. Register your interest to receive updates and early access when pre-registration opens.

Frequently Asked Questions

Consumer FAQs

Is enduring consent the same as a Direct Debit?

Not exactly. While both automate payments, enduring consent is built on modern open banking APIs. You give permission through your own bank’s secure app, which gives you greater transparency and real-time control over the rules you set.

Can I change my mind after I give consent?

Yes. You can change or revoke enduring consent at any time through your bank. You’re not locking your account; you’re simply setting the ground rules for how a business can take payments.

Can I set limits on payments?

Yes. When you give consent, you define clear limits upfront, including maximum amounts, how often payments can occur, and how long the consent lasts.

What happens if a business tries to take more than agreed?

The payment won’t go through. Enduring consent only allows payments that stay within the rules you approved. Anything outside those limits is automatically blocked.

Do enduring consent payments work if amounts change?

Yes. Enduring consent supports variable payment amounts, often referred to as Variable Recurring Payments. As long as each payment stays within your agreed limits, amounts can change without needing re-approval.

Are enduring consent payments safe?

Yes. Each consent is approved directly through your bank using bank-level authentication, such as Face ID, fingerprint, or PIN. No card details are shared, and payments can only occur within the rules you’ve agreed to.

Does this make my bank account less secure?

No. In fact, it’s more secure. Enduring consent replaces repeated manual approvals and card sharing with a single encrypted agreement verified by your bank.

What happens if there isn’t enough money in my account?

Before a payment is made, open banking checks that funds are available. This reduces the risk of overdrafts or dishonour fees compared to traditional direct debits.

Business FAQs

How is enduring consent different from Direct Debits?

Enduring consent uses open banking APIs rather than legacy payment rails. Customers approve payment rules directly through their bank, providing clearer consent, better visibility, and stronger customer control.

Can customers cancel or change consent?

Yes. Customers can revoke or change consent at any time through their bank. This ensures payments remain fully customer-approved and aligned with regulatory expectations.

What happens if a payment exceeds the agreed limits?

The payment will fail automatically. Enduring consent enforces the limits agreed by the customer, such as maximum amounts and frequency, preventing unauthorised or out-of-scope payments.

Does enduring consent support variable payment amounts?

Yes. Enduring consent supports Variable Recurring Payments, allowing amounts to change within pre-agreed limits. This is particularly useful for usage-based or variable billing models.

How does enduring consent reduce failed payments?

Before initiating a payment, open banking checks that funds are available. This reduces avoidable failures compared to traditional direct debits, which can attempt payments without confirming the balance first.

Is enduring consent secure for businesses and customers?

Yes. Payments are authorised using bank-level security, and no card details are stored or shared. This reduces fraud risk while improving auditability and compliance.

What are the business benefits of enduring consent?

Enduring consent delivers more predictable cash flow, fewer payment-related support queries, improved customer trust, and a payment model aligned with modern regulation and customer expectations.

Enduring consent allows payments to happen automatically within clear, customer-approved rules. It reduces friction, strengthens trust, and supports the next generation of digital payments in New Zealand.

Author: Wayne Deas – Co-founder & COO