Skip the surcharges, keep the convenience – introducing ‘Direct Pay’

Since launching New Zealand’s first open banking payment solution—Online EFTPOS—back in 2016, Worldline NZ has been a leading force behind a more open, competitive payments environment. Our long-standing leadership is demonstrated through our ability to develop scalable, secure, and innovative solutions that serve the needs of Kiwis.

We’re continuing to innovate with open banking to deliver faster, safer, and more cost-effective payment methods for consumers and merchants alike. That’s why we’re proud to introduce “Direct Pay”, a new in-person account-to-account payment method built on open banking technology. 

From farmers markets to tradies and beyond, Direct Pay is set to transform how Aotearoa pays and gets paid.

How “Direct Pay” Works

Using “Direct Pay” is simple and intuitive:

1. The consumer scans a QR code displayed on the merchant’s smartphone or device
2. The consumer then approves the payment in their banking app
3. Once approved, the payment is instantly processed directly from the consumer’s bank account to the merchant’s account—completely seamless and secure—and the funds are guaranteed to settle the next day.

That’s it — just scan, approve, and pay. No need for cards, cash, or high-surcharge payment schemes. It’s fast, secure, and designed to enhance both the merchant and consumer experience.

Launching on Tap on Mobile — The First in New Zealand

We’re proud to announce that “Direct Pay” is now integrated directly into our Tap on Mobile SoftPOS solution, making our Tap on Mobile solution the first in New Zealand to support in-person, open banking-based account-to-account payments. This means merchants will be able to accept secure, instant payments using just their smartphones—making it more convenient for both merchants and consumers. 

And there’s more to come: “Direct Pay” will soon be available in traditional retail stores, bringing open banking payments into everyday shopping experiences across New Zealand. Initially, payments will be made via QR codes, but as the solution scales, it will continue to evolve and incorporate even more convenient methods—enhancing in-store payment experiences and offering greater flexibility to both merchants and consumers.

Why This Is a Game-Changer

“Direct Pay” combines the security and innovation of open banking with the practicality of real-world in-person transactions, delivering benefits that matter:

• Speed: Instant payments improve cash flow and reduce transaction delays.
• Security: Payments are processed via trusted, bank-to-bank secure connections.
• Cost Savings: Lower processing fees without reliance on costly card schemes.
• Customer Experience: Offer a modern, cardless checkout that customers will love, removing the need for cumbersome one-off bank transfers or incurring card surcharges.

Leading the Digital Payment Future

With over a decade of pioneering open banking in New Zealand, Worldline is uniquely positioned to deliver scalable, reliable solutions. Our extensive EFTPOS network and deep API integration with all four major NZ banks ensure this innovative new payment method has the reach and impact to make a real difference.

We’re excited to lead the way into a more open, digital, and efficient payments landscape—making everyday transactions faster, safer, and more cost-effective for Kiwis and their businesses.

Interested in learning more?

Visit us at worldline.com/en-nz to discover how “Direct Pay” and open banking can revolutionise your payment experience.