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 friction.

AnyPay is Qippay's open banking one-click payment solution, designed to remove that friction. Built on secure enduring consent, AnyPay lets recognised customers complete repeat payments without re-entering details, whether they are in an app, a loyalty programme, a SaaS platform or a marketplace. It enables embedded payments that live inside the customer relationship rather than interrupting it.

No stored cards. No repeated checkout friction. Just secure, bank-authorised payments built around the customer.

The Problem with Repeat Payments: Why Open Banking Changes Everything

Businesses invest heavily in loyalty programmes, apps, subscriptions, customer accounts and personalised offers to bring customers back. Then, when the customer is ready to buy again, the payment experience feels like a first-time transaction.

The customer may need to re-enter card details, find a physical card, update an expired card, or move between apps and screens just to complete a payment. For a one-off purchase this is frustrating. For repeat customer relationships, it is commercially expensive. Every additional step is a chance to pause, abandon or change their mind.

Open banking changes this dynamic. Instead of storing card details and hoping they stay current, AnyPay uses enduring consent: the customer authorises a payment relationship once through their own bank environment, and future payments can be triggered through any trusted identifier the business already uses. The payment step becomes part of the customer journey rather than a barrier at the end of it.

How AnyPay's Open Banking Model Works

AnyPay embeds enduring consent into the merchant, app, platform or customer account environment.

The process is straightforward. The customer authorises the payment relationship through open banking. An enduring consent token is created within agreed rules. Future payments can then be triggered through a trusted identifier: a customer profile, loyalty card, app login, QR code, invoice approval, membership card, or merchant account event.

This enables bank to bank payments that are triggered through a customer's existing identity rather than through a card number or manual payment entry. The consent is bounded by agreed rules, so the customer remains in control. The payment is faster, but still fully permission-based.

That is the core idea behind AnyPay.

Recognised customer + stored consent = frictionless payment.

AnyPay connects to the four major NZ banks (BNZ, ASB, ANZ and Westpac), with Kiwibank scheduled for June 2026, through a single API integration.

Who Is AnyPay For?

AnyPay is for businesses and platforms that already recognise their customers and want to make repeat payments faster, easier and more valuable.

SaaS platforms. Payment should not sit outside the platform workflow. AnyPay gives SaaS businesses a way to embed payments directly into the product experience, supporting one-click invoice payment, usage-based billing, account-based checkout, wallet top-ups, subscription upgrades and in-app payment confirmation. For SaaS platforms, AnyPay does not just handle payments: it makes embedded payments part of the product itself.

Fintech companies. Fintechs often need flexible payment capability that sits inside their own product experience: wallet top-ups, account funding, loan repayments, investment contributions, savings automation or customer money movement inside an app. AnyPay gives fintechs a way to build these open banking payment flows using enduring consent, enabling bank to bank payments that are triggered natively within the fintech's own environment rather than through an external checkout.

Loyalty programmes. Today most loyalty experiences are disconnected from payment. A customer scans a loyalty card, then pays separately. The merchant recognises the customer in one step and processes payment in another. With AnyPay, loyalty and payment can be connected through enduring consent. A customer links their bank account once. Their loyalty card, app profile or customer ID connects to that consent. The future experience becomes: one card, one tap, loyalty and payment together. For retailers, hospitality groups, fuel networks and reward programmes, this is a meaningful shift.

Mobile apps. Apps already create a trusted customer environment. AnyPay allows the payment to feel native to that environment: the customer has already approved the payment relationship, so the app simply enables the next approved payment action. No redirect. No card entry. No unnecessary friction between intention and completion.

Marketplaces. Recognised users can pay from an existing profile or account relationship, covering repeat buyer checkout, seller fee collection, booking deposits, wallet funding and platform subscriptions. A consent-led model also reduces reliance on stored cards and supports clearer payment authorisation at scale.

Retail, hospitality and account-based businesses. Any business that already operates around customer accounts, loyalty cards, profiles or repeat relationships has the foundation for AnyPay. Membership platforms, utility accounts, education portals, professional services, property management, booking platforms and wholesale customer accounts all fit. If a customer already has an account or identity with the business, AnyPay can make payment part of that relationship rather than a separate process outside it.

The Global Direction: Embedded Payments Are Becoming the Standard

AnyPay fits into a wider international shift. Payments are moving away from stored card details and disconnected checkout flows toward bank-authenticated, consent-led and embedded payment infrastructure.

In Australia, PayTo is being positioned as a digital alternative to traditional payment methods, allowing customers to authorise and manage payment agreements inside their banking app, covering recurring payments, online shopping, in-app purchases and subscriptions. PayTo adoption is expanding across account top-ups, recurring bill payments, digital subscriptions and membership billing, with customers able to manage, pause or cancel agreements directly from their banking app.

In the UK, open banking payment volumes have grown significantly year on year, with account-to-account payments increasingly becoming digital payment infrastructure that fintechs and platforms build into products rather than add on afterwards.

The message for New Zealand SaaS and fintech companies is clear. The payment step is becoming part of the product. The businesses that understand this early will build smoother customer journeys, reduce payment friction and create stronger repeat customer relationships through open banking.

The Business and Customer Benefits

For businesses, AnyPay means higher completion rates (less friction means fewer abandoned payments), stronger repeat purchase behaviour, lower reliance on stored card credentials, better product design through embedded payments, and more differentiated customer experiences through loyalty-linked, QR-triggered or app-triggered bank to bank payment flows.

For customers, AnyPay means recognised repeat customers do not have to start from scratch every time. No card details to store with the merchant. Payment permissions bounded by agreed rules. No service interruptions caused by an expired or replaced card. And a payment experience that feels like a natural part of using the service rather than an obstacle at the end of it.

AnyPay and SetPay: How They Work Together

AnyPay and SetPay both use enduring consent, but they solve different problems.

SetPay is designed for structured recurring, scheduled or variable payments: subscriptions, memberships, instalments, utilities, insurance premiums, rent, rates and repayment plans.

Read more about who SetPay is for.

AnyPay is designed for flexible repeat-use payment experiences where the payment trigger comes from a customer profile, loyalty card, app, QR code, merchant account or other recognised relationship.

In simple terms: SetPay is for regular payment arrangements. AnyPay is for recognised-customer payment experiences.

A SaaS platform might use SetPay for monthly subscription billing, then use AnyPay for one-click account top-ups. A loyalty programme might use SetPay for a membership fee, then use AnyPay to connect loyalty and payment at the point of purchase. A fintech might use SetPay for structured repayments, then use AnyPay for wallet funding or customer-triggered payment flows.

Together they form a complete open banking payment capability for any business with recurring or repeat customer payment needs.

Frequently Asked Questions

What is the difference between AnyPay and SetPay?

SetPay is built for structured recurring collections where the amount, frequency and schedule are predictable: subscription billing, regular giving, loan repayments and similar arrangements. AnyPay is built for flexible repeat-use experiences where payment is triggered by a customer identity, loyalty card, app action, QR code or account event rather than a fixed schedule. Both use open banking enduring consent and both connect to the major NZ banks. Many businesses will use both: SetPay for scheduled billing and AnyPay for flexible or identity-triggered payments within the same customer relationship.

How do open banking one-click payments work?

The customer authorises a payment relationship once through a secure open banking journey. An enduring consent token is established within agreed rules covering who the merchant is, what payments can be collected and under what conditions. Future payments are then triggered through a trusted identifier the business already uses: an app login, loyalty card, QR code, profile or account. The customer does not need to re-enter card or bank details. The payment happens within the agreed consent boundaries, so the customer remains in control throughout.

Can AnyPay be used for loyalty programme payments in New Zealand?

Yes. AnyPay is specifically designed to connect loyalty recognition and payment into a single interaction. A customer can link their bank account once through open banking, with their loyalty card, app profile or customer ID connected to that consent relationship. The merchant can then recognise the customer and trigger an account-to-account payment in one step, removing the need to scan loyalty and pay separately. For NZ retailers, hospitality groups, fuel networks and membership programmes, this is one of AnyPay's most commercially valuable applications. [Link to developer documentation or Register your interest when available]

Final Thought: Open Banking Embedded Payments for NZ Businesses

AnyPay is for any business that already recognises its customers and wants to make repeat payments faster, easier and more connected to the customer relationship.

It is ideal for SaaS platforms, fintech companies, loyalty programmes, marketplaces, mobile apps, retailers and account-based businesses that want to move beyond stored cards and traditional checkout friction through open banking infrastructure.

The customer authorises once, stays in control, and can pay again through a trusted identity, profile, app, loyalty card, QR code or account relationship. The future of repeat payments is moving toward embedded, consent-led, bank to bank payment experiences. That is where AnyPay fits.

Ready to find out if AnyPay is right for your business?

Register your interest and a member of the Qippay team will be in touch.

Author: Wayne Deas – Co-founder & COO