Payment methods in New Zealand

A leading digital wallet deeply embedded in daily life in China, used for shopping, bills, and transport.

Generic online and mobile bank-transfer methods (internet banking, e-banking, EFT and interbank transfers). Customers pay directly from their bank account via their bank's own online/mobile banking portal. Implementation and rails differ by country, but the consumer flow is a standard account-to-account bank transfer.

POLi is a New Zealand bank redirect payment service that allows customers to pay directly from their internet banking without using a card. It is widely accepted by government agencies, telcos, and utilities, and is integrated into many e-commerce checkouts as an alternative to card payments.

Zip is Australia's leading homegrown BNPL provider, offering interest-free instalment options for online and in-store purchases. It has expanded internationally to New Zealand and the United States, but retains a dominant position in its home market, competing directly with Klarna and Afterpay. Shoppers split purchases into weekly or fortnightly payments with no interest charged on most plans.

Leading Australian BNPL service splitting purchases into four interest-free installments online and in-store. Operator: Afterpay (Block, Inc.). Est. users: 3.5 million active AU users (2024).

New Zealand's first true digital wallet for instant P2P transfers and online and QR payments. Operator: Dosh Limited. Est. users: Tens of thousands of users (2024).

Australian BNPL provider for both small and larger-ticket installment purchases online and in-store. Operator: Humm Group Limited. Est. users: 2.7 million users globally (2024).

New Zealand BNPL service splitting purchases into six weekly interest-free payments at online checkout. Operator: Laybuy Group Holdings. Est. users: 900,000+ users (2024).

New Zealand online payment method letting shoppers pay directly from their bank account at checkout. Operator: Worldline NZ (Paymark). Est. users: Millions of users (2024).

The major international device-based wallets — Apple Pay, Google Pay and Samsung Pay — have been widely adopted in Kuwait alongside local prepaid cards. These wallets tokenise underlying debit and credit card credentials and are accepted at NFC-enabled point-of-sale terminals and participating online merchants. Their adoption reflects Kuwait's high smartphone penetration and consumer preference for contactless payments.

Afterpay is one of the most popular payment methods in New Zealand for online retail, enabling shoppers to split purchases into four fortnightly interest-free instalments. It is accepted by a wide range of New Zealand merchants and is particularly prevalent in fashion, beauty, and homewares. Afterpay is branded "Clearpay" in the UK but operates as Afterpay in NZ.