Use existing hardware
Payap uses your existing terminal - Centrapay just needs to activate it for you, and you’re all set.
Payap: a new way to take payments
Launching in October 2024, Payap is a cost-effective way to take digital payments using your existing EFTPOS or PayClip terminal.
Designed for businesses looking to grow
We’re working with Centrapay to launch Payap, a payment option suited to:
- retail and hospitality merchants
- small businesses accepting payments over the counter
- businesses looking for ways to drive growth.
Payap features and benefits
Quick digital payments
Generate a QR code on your EFTPOS or PayClip terminal for customers to scan and pay from the Payap app.
Lower costs
Accept payments at less than the usual cost of a contactless payment on your terminal.
Manage your profile
Sign in to your profile through the Centrapay portal to access transactions and manage refunds.
How Payap payments work
Step 1
Create the transaction in your EFTPOS or Point of Sale system.
Step 2
Your customer selects the Centrapay button, and a QR code comes up on your terminal.
Step 3
Your customer scans the QR code using the Payap app on their phone, and approves the transaction.
Step 4
You’ll both receive confirmation when the transaction has been completed. The funds are settled to your account the next morning.
Pricing
The Payap in-store payment processing fee is charged at 0.39% of the value of net sales.
There are no monthly fixed fees or additional merchant service fees.
How to set up Payap
If you already have a merchant facility with BNZ, you’ll receive an email to help you get set up for Payap. If you’re new to BNZ, you can sign up to the waitlist for Payap.
1. Sign up to the Payap waitlist
Complete our online form with your details and we’ll add you to our waitlist for Payap.
2. Activate your terminal
If approved, we’ll send you your Letter of Offer and Centrapay will send you an invite to access their portal. They’ll also activate Payap on your existing terminal.
3. Start taking payments
Generate QR codes on your terminal and start accepting payments.
Centrapay network
Centrapay is the digital payment network used by Payap for transactions and is supported on most EFTPOS or Point of Sale terminals in New Zealand. Payap merchants also get access to the Centrapay business portal for transaction reporting and administration.
Help and support
If you have questions or need help, call us on 0800 737 774 (select option 1).
For technical support, please create a support ticket in the Centrapay business portal.
To use Payap, you’ll need to have a compatible terminal model and agree to Centrapay’s terms and conditions. Check if your terminal model is compatible at centrapay.com
This service will be part of your merchant services facility. Eligibility criteria, BNZ Merchant Agreement Master terms and conditions (PDF 290KB) and fees apply. Fees are subject to change.