Customer Guide

How Payments
Work.

A complete guide for customers. Learn exactly how to pay, what to expect, and why Tillify is the best way to pay anyone in NZ.

The Payment Process

Scan the QR code

The seller shows you a QR code. Use your phone camera to scan it - this opens a secure payment page in your browser.

💡 No special app needed—works with your regular phone camera.

Review the amount

You'll see the exact amount set by the seller. Verify the total matches your purchase before proceeding.

💡 Always verify the amount matches what you agreed to pay.

Choose your bank

Select your bank. You'll be redirected securely to your bank's own app to authorise.

💡 Tillify never sees your bank details or login credentials.

Authorise securely

Your bank app opens for your approval. Authenticate using your normal PIN or biometrics - just like a regular transfer.

💡 This is a standard bank transfer - your bank handles the security.

Payment confirmed

Once authorised, the transaction is complete. The seller receives instant confirmation and you get a receipt page.

💡 The seller knows payment succeeded immediately - no waiting.

Completely safe

Your bank handles all security. Tillify never sees your account details, card numbers or personal information.

Digital receipt

Appears as a regular bank transfer in your account. You have a clear, verified record of what you paid for, when and to whom.

Common questions

Do I need an account or app?

No. Just scan the QR code with your phone camera. You pay through your own bank app. No Tillify account is ever required for customers.

Is it as safe as a regular transfer?

Yes, exactly the same. You authorise it through your bank securely. Tillify acts as a secure bridge to ensure the seller gets instant confirmation.

What if I want a refund?

Refunds must be arranged directly with the seller. These are standard bank transfers, so once authorised, they cannot be reversed by Tillify.

Ready to pay?

Look for the Tillify QR code at checkout. Scan it with your phone and pay in seconds.

Support centre Contact us

The Payment Process

Scan the QR code

The seller shows you a QR code. Use your phone camera to scan it - this opens a secure payment page in your browser.

💡 No special app needed—works with your regular phone camera.

Review the amount

You'll see the exact amount set by the seller. Verify the total matches your purchase before proceeding.

💡 Always verify the amount matches what you agreed to pay.

Choose your bank

Select your bank. You'll be redirected securely to your bank's own app to authorise.

💡 Tillify never sees your bank details or login credentials.

Authorise securely

Your bank app opens for your approval. Authenticate using your normal PIN or biometrics - just like a regular transfer.

💡 This is a standard bank transfer - your bank handles the security.

Payment confirmed

Once authorised, the transaction is complete. The seller receives instant confirmation and you get a receipt page.

💡 The seller knows payment succeeded immediately - no waiting.

Common questions

Do I need an account or app?

No. Just scan the QR code with your phone camera. You pay through your own bank app. No Tillify account is ever required for customers.

Is it as safe as a regular transfer?

Yes, exactly the same. You authorise it through your bank securely. Tillify acts as a secure bridge to ensure the seller gets instant confirmation.

What if I want a refund?

Refunds must be arranged directly with the seller. These are standard bank transfers, so once authorised, they cannot be reversed by Tillify.

How Payments Work.

The Payment Process

Scan the QR code

Review the amount

Choose your bank

Authorise securely

Payment confirmed

Completely safe

Digital receipt

Common questions

Ready to pay?

How Payments Work.

The Payment Process

Scan the QR code

Review the amount

Choose your bank

Authorise securely

Payment confirmed

Completely safe

Digital receipt

Common questions

Ready to pay?

How Payments
Work.

How Payments
Work.