Help merchants cut card fees and earn recurring revenue with Payap.
Introduction to Payap and Centrapay
Around the wold payments are shifting fast and NZ merchants are looking for cheaper, modern alternatives to cards.
Payap fills that gap.
Payap
Payap is a NZ account to account payments and loyalty platform powered by Centrapay and backed by BNZ, with support from all major NZ banks and a growing number of house named brands.
It lets customers pay straight from their bank account using secure QR payments. No cards, no surcharge fees, and no extra hardware needed.
Centrapay
Centrapay powers Payap plus other networks like Farmlands and GiftStation, giving merchants more ways to accept smarter digital payments.
Why Resellers Win Right Now
Merchants are under real pressure with rising costs across the board. Card fees sit between one point five percent and three percent and the surcharge ban coming in 2026 means merchants will need cheaper options.
Resellers get to step in as the trusted adviser and offer something that actually solves the problem.
How Payap Works
Customer scans a secure Centrapay QR code on the EFTPOS or POS
They pay directly from their bank app
Merchant receives payment confirmation instantly
Settlement arrives next business day
Fees are billed monthly
Runs through Centrapay rails, no hardware changes needed
Why merchants love Payap
“Payap gives you a cheaper and smarter way to get paid using QR and your customer’s bank app. No card fees and no surcharges.”
Why resellers love Payap
Our Responsibilities
Reseller
Promote Payap to local merchants
Confirm terminals can accept Centrapay QR
Share merchant details for onboarding
Support basic setup guidance
Escalate issues through the correct support channels
Payap
Manage merchant onboarding
Handle bank linking and verification
Provide settlement and billing
Support merchant and technical queries
Maintain system reliability
Provide marketing and sales tools