# New Zealand — payment codes and schemes

> Source: https://docs.barcoder.ai/docs/payments/NZ
> extracted at 2026-10-06
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

## Summary

- **Payap** QR instant payment (2024)
- **Dosh** first local digital wallet
- **Click** real-time payments
- **Open banking** QR enabled
- **ANZ FastPay** merchant solution

## Banking landscape

### Central Bank
- **Name:** Reserve Bank of New Zealand (RBNZ)
- **Website:** https://www.rbnz.govt.nz/
- **Role:** Monetary policy, financial stability

### Major Banks (2024)

| Rank | Bank Name | Type | Digital Platform |
|------|-----------|------|------------------|
| 1 | ANZ New Zealand | Big Four | ANZ goMoney |
| 2 | ASB | Australian | ASB Mobile |
| 3 | Westpac NZ | Australian | Westpac App |
| 4 | BNZ | Australian | BNZ App |
| 5 | Kiwibank | State | Kiwibank App |

### Market Structure
- **Australian owned:** Big banks
- **Kiwibank:** Local state bank
- **Paymark:** Payment infrastructure
- **Fintechs:** Growing sector

---

## Payment infrastructure

### National Payment Systems

| System | Operator | Type | Status |
|--------|----------|------|--------|
| Click | Paymark/Worldline | Real-time | Active |
| Payap | Fintech | QR instant | 2024 |
| EFTPOS NZ | Banks | Debit | Active |
| Card networks | Visa/MC | Cards | Active |

### Click Platform
- Real-time payments
- Paymark operated
- Worldline owned (2018)
- Bank integration
- Faster settlements

### Payap (2024)
- QR code payments
- Open banking powered
- Lower merchant fees
- Instant bank transfers
- Dynamic QR on terminals

---

## QR code standards

### Payap QR

| Attribute | Value |
|-----------|-------|
| **Launch** | 2024 |
| **Feature** | Scan EFTPOS terminal |
| **Technology** | Open banking |
| **Cost** | Lower than cards |

### Payap Features
- Scan QR on terminal
- Instant bank transfer
- Contactless cashless
- Reduced merchant fees
- Real-time settlement

### Dosh QR

| Attribute | Value |
|-----------|-------|
| **Type** | Digital wallet |
| **Feature** | P2P + merchant |
| **First** | NZ-owned wallet |
| **Users** | Young demographic |

---

## Mobile payment apps

| App | Provider | QR | Features |
|-----|----------|-------|----------|
| Payap | Fintech | Yes | Instant payment |
| Dosh | Dosh | Yes | Wallet |
| ANZ FastPay | ANZ | Yes | Merchant |
| ASB App | ASB | Yes | Consent QR |

### Dosh Features
- Mobile number payments
- QR code generation
- In-store QR pay
- Instant transfers
- First NZ-owned wallet

### Bank QR Features
- ASB: QR consent setup
- ANZ FastPay: Card reader
- BNZ: Payment innovations
- Open banking integration

---

## Schemes

| Scheme | Type | Symbology | Adoption | Technical standard |
|---|---|---|---|---|
| [Payap](https://docs.barcoder.ai/docs/payments/NZ/payap) | QR instant | Open banking | 2024 | [`payap`](https://docs.barcoder.ai/docs/standards/payap) |
| [Dosh](https://docs.barcoder.ai/docs/payments/NZ/dosh) | Wallet QR | P2P | Active | — |
| [Click](https://docs.barcoder.ai/docs/payments/NZ/click) | Real-time | Paymark | Active | [`click`](https://docs.barcoder.ai/docs/standards/click) |

## Sources

- [BNZ Debrief - Payap](https://blog.bnz.co.nz/2024/10/new-app-set-to-slash-payment-fees-and-transform-how-nzers-manage-their-money)
- [ASB Help - QR Consent](https://www.asb.co.nz/help/using-a-qr-code-to-set-up-an-ongoing-payment-consent.html)
- [Ezee Payment - NZ Apps](https://ezeepayment.com/mobile-payment-apps-in-new-zealand/)
- [NORBr - NZ Payments](https://web.archive.org/web/20260413010937/https://norbr.com/library/payworldtour/payment-methods-in-new-zealand/)

## Full country report

[NZ-new-zealand.md](https://docs.barcoder.ai/docs/payments/NZ)