QR Code Payments in New Zealand
Tillify is a contract-free QR code payment system for NZ small businesses. No EFTPOS terminal, no hardware, no monthly fees — customers scan and pay instantly via contactless mobile payment.
Accepts payments from all major New Zealand banks — ANZ, ASB, BNZ, Westpac, and Kiwibank — plus Visa, Mastercard, Apple Pay, and Google Pay. Powered by New Zealand Open Banking APIs.
Why use QR code payments
- No EFTPOS terminal required
- Tillify is a contract-free QR code payment system. No hardware to buy, no terminal rental, and no locked-in contracts — just a free account and a printable QR code.
- Customers pay with their phone camera
- Unlike traditional payment apps, customers don't need to download anything. They scan the QR code with their native camera and pay directly from their bank or card app.
- Works with all major NZ banks
- Accept instant bank payments from customers using ANZ, ASB, BNZ, Westpac, and Kiwibank — New Zealand's five major banks — via Open Banking APIs.
- Instant payment confirmation
- Payment confirmation arrives in seconds. No waiting for EFTPOS receipts or card authorisation delays — you'll know the moment money hits your account.
How QR code payments work with Tillify
- Create a free Tillify account and link your NZ bank account.
- Generate a QR code for a set price, open amount, or specific product.
- Display the QR code on your counter, stall, or share via invoice.
- Customer scans and pays — funds settle directly to your bank.
Who uses QR code payments in NZ?
Tillify vs traditional EFTPOS in NZ
Unlike traditional EFTPOS terminals, Tillify enables instant scan-to-pay functionality directly through the customer's phone camera — no dedicated hardware, no terminal rental, and no locked-in contracts.
| Traditional EFTPOS | Tillify | |
|---|---|---|
| Hardware | Terminal required (~$500–$800) | None — works on any phone or tablet |
| Monthly fees | Rental fees ($20–$50/month) | No monthly fees |
| Contract | Locked-in contracts (12–24 months) | No contracts — cancel any time |
| Location | Limited to a fixed physical location | Works anywhere in New Zealand |
| Payment types | Card payments only | Card, bank transfer, Apple Pay, Google Pay |
QR code payment fees in New Zealand
Tillify charges a simple transaction fee — no setup costs, no monthly subscriptions, no hardware.
- Pay by Bank, sales under $6.25
- Just 5% (minimum $0.10). A $2 sale costs $0.10 in fees.
- Pay by Bank, sales $6.25 and above
- 1% + $0.25, capped at $2.50.
- Card payments
- Same Tillify fee plus standard Stripe processing fees (~2.9% + $0.30).
Common questions
- What is a QR code payment system in New Zealand?
- A QR code payment system lets customers pay a business by scanning a QR code with their phone camera. In New Zealand, Tillify offers a contract-free QR code payment system that accepts bank transfers (via ANZ, ASB, BNZ, Westpac, Kiwibank), card payments, Apple Pay, and Google Pay — with no EFTPOS terminal required.
- Do customers need an app to pay with QR codes?
- No. Customers scan the Tillify QR code using their phone's native camera app. They are taken to a secure payment page where they can pay by bank transfer, card, Apple Pay, or Google Pay — no additional app download needed.
- What banks does Tillify QR code payments work with in NZ?
- Tillify accepts Pay by Bank payments from all five major New Zealand banks: ANZ, ASB, BNZ, Westpac, and Kiwibank, powered by New Zealand Open Banking APIs via Akahu.
- Is Tillify an EFTPOS alternative for NZ businesses?
- Yes. Tillify is designed as an EFTPOS alternative for New Zealand small businesses. Unlike traditional EFTPOS terminals, Tillify requires no hardware, no rental fees, and no long-term contracts. Businesses generate a QR code and customers pay instantly from their phone.
Start accepting QR code payments in New Zealand today
Free to set up. No hardware. No monthly fees. Works with all major NZ banks.
Create free account