Centrapay Payments with Payap

What is Payap?

Payap is a new digital wallet for New Zealanders that allows customers to pay in-store using secure QR codes instead of cards. Built on Open Banking, Payap lets users connect their NZ bank accounts directly to the app,giving them more control over how they pay. Payap works alongside your existing EFTPOS setup to give you a low-cost, flexible way to accept payments in store and online.

Key Features of Payap:

No surcharges at checkout – customers pay exactly what’s on the price tag.
Use any connected NZ bank account – people can link multiple accounts and choose how they pay.
Smart payment controls – spending limits, account selection, and flexible ways to pay.
Bank-level security – built using the same secure authentication standards as banking apps.
Future loyalty and rewards integrations – Payap is designed to support digital rewards, loyalty, and other assets as the ecosystem grows.

What is Centrapay?

Centrapay is the technology platform that powers Payap. It enables QR-code payments, Open Banking transfers, digital asset payments, and a wide range of modern payment experiences for businesses.

Key Centrapay Benefits:

Built on Open Banking – enabling direct bank-to-bank payments without traditional card rails.
Supports multiple payment types – including NZD, gift cards, loyalty balances, and digital tokens.
Dynamic QR codes on EFTPOS terminals – customers simply scan and pay using their mobile.
Merchant portal – businesses can view transactions, process refunds, and manage settlements.
Future-ready architecture – designed for emerging digital payment methods such as tokenised assets and future digital currencies.

EFTPOS Central makes it easy to accept Centrapay payments.

Every EFTPOS One terminal we supply comes ready to support Centrapay Payments and Payap, so you can offer QR payments without extra hardware or complex setup. Centrapay is shaping the future of digital payments in New Zealand, and we are committed to keeping our merchants ahead of the curve.

By pairing Centrapay’s technology with our modern devices, your business gains a fast, flexible and future-ready way to take payments. It is part of our ongoing focus on innovation and giving you the tools you need to grow and adapt in a changing payments landscape.

Terminal Ready

Our Feitian terminals support Centrapay out of the box and is automatically enabled for all EFTPOS One customers.

Accept QR payments as soon as your terminal is live, giving your business a quick, simple path into digital payments.

Low-Cost of Acceptance

Merchant acceptance fee: 0.39%
No minimum monthly fee
Low-cost option for payments
Next day settlement of funds

Reliable in every setting

Payap delivers a simple, low-cost way to take payments in many different settings. From cafés and retail stores to mobile work and online sales, Centrapay gives you a smooth payment experience that fits the way your business operates.

Cafés

Keep queues moving with quick QR payments and lower acceptance costs. A simple way to speed up service during busy periods.

Retail Stores

Reduce payment fees and offer a smooth checkout experience. Ideal for stores that want reliable, low-cost digital payments.

Tradies

Take fast, low-fee payments on the go using our ultra-portable terminal. Perfect for call-outs, job sites and mobile service work.

Events and Markets

Ideal for pop-ups, stalls and community markets. Take fast, low-fee payments with your EFTPOS terminal, making it easy to keep sales moving during busy event days.

*Online payments require an active Centrapay account. Contact Centrapay to link Payap to your online store. Only selected platforms are supported.

Centrapay gives your business a simpler, smarter way to take payments.

Lower transaction costs that help improve your margins
Faster checkouts that keep customers happy
A cleaner, more modern payment experience that strengthens your brand
Consolidated reporting that provides clearer insight into your sales

Start Accepting Centrapay

Join EFTPOS Central and sign up to EFTPOS One to take full advantage of Centrapay on our modern Android terminals. Apply online using the link below and our team will make sure you receive a compatible device so you can start accepting Centrapay payments with ease.

Centrapay is available to all EFTPOS One customers

FAQs

Does my terminal need to be replaced?

You need a compatible terminal to accept Centrapay. If you are an EFTPOS One customer, your terminal already supports it. If not, sign up with EFTPOS Central and we will make sure you receive a terminal that is fully compatible.

How much does it cost?

Centrapay has a 0.39% merchant acceptance fee. There are no ongoing costs or minimum monthly fees. The Payap application is free for customers to use.

When are funds deposited?

Payments are settled the next business day into your merchant account.

How do customers pay with Centrapay?

Customers use their smartphone (Apple or Android) and the Payap app. They scan the QR code shown on your EFTPOS terminal and confirm the payment on their phone.

Is Centrapay secure?

Yes. Centrapay is backed by Bank of New Zealand and uses bank-level security to protect every payment made through Payap.

What bank do I need to be with?

You can keep your current bank. Just link your existing New Zealand bank account in the Payap app. Payap works through open banking or through a linked Visa or Mastercard debit card, so it does not matter who you bank with.

Do I still keep my normal EFTPOS card payments?

Yes. Centrapay works alongside your existing card payments, giving your customers another way to pay.

Can I surcharge Centrapay transactions?

No. Surcharging is not allowed on Centrapay transactions. The low cost of acceptance is designed to keep fees simple and affordable without the need to pass costs on to customers.

Accept Payap QR payments on your EFTPOS Terminal