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

1. 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.
2. 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.
3. 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.
4. 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.
5. 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.

Safe, with a record of what you paid

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?: Tillify can't reverse a payment: it's a standard bank transfer straight to the seller. For a Pay by Bank payment you can ask the seller for a refund using the link in your receipt, within 90 days. You enter the bank account to pay it into, and the seller decides and pays you from their own account.

Ready to pay?

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

The Payment Process

1. 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.

2. 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.

3. 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.

4. 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.

5. 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?

Tillify can't reverse a payment: it's a standard bank transfer straight to the seller. For a Pay by Bank payment you can ask the seller for a refund using the link in your receipt, within 90 days. You enter the bank account to pay it into, and the seller decides and pays you from their own account.

How Payments Work.

The Payment Process

Safe, with a record of what you paid

Common questions

Read more

Ready to pay?

How Payments Work.

The Payment Process

Safe, with a record of what you paid

Common questions

Read more

Ready to pay?