In-Depth Guide to Choosing the Right Payment Gateway in New Zealand

The New Zealand e-commerce landscape is booming! With more and more businesses taking their operations online, accepting secure and convenient payments has become crucial. But with a growing number of payment gateway options available, choosing the right one for your business can feel overwhelming.

This in-depth guide will equip you with the knowledge you need to navigate the world of payment gateways in New Zealand. We’ll break down the key functions of a payment gateway, highlight the benefits of using one specifically in the NZ market, and guide you through the essential factors to consider when making your choice. By the end, you’ll be well on your way to selecting the perfect payment gateway to streamline your online transactions and propel your business forward.

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What is a Payment Gateway?

The Marketplace Facilitator

Imagine a bustling marketplace where your customers browse your products, fill their virtual carts, and reach the checkout. But instead of a clunky cash register, you have a smooth and efficient system to finalise the transaction. That’s where a payment gateway comes in.

A payment gateway acts as a secure bridge between your business and your customers, facilitating the acceptance of online payments. It essentially works behind the scenes, handling the following tasks:

  • Secure Payment Collection:
    Customers enter their payment information (credit card details, debit card details, or digital wallet login credentials).
  • Data Encryption:
    Payment gateways employ robust encryption protocols to safeguard this information during transmission.
  • Financial Institution Connection:
    They securely transmit the encrypted data to the relevant payment processors and merchant accounts for authorization and settlement.
  • Communication Hub:
    Payment gateways act as a go-between, relaying approval or decline messages back to your website and informing the customer of the transaction status.

In simpler terms, a payment gateway streamlines the online payment process with these functionalities, ensuring a secure and frictionless experience for both you and your customers.

Why Use a Payment Gateway in New Zealand?

While payment gateways offer numerous advantages for any online business, here’s why they hold particular significance in the New Zealand market:

Prioritising Security:

  • PCI DSS Compliance: New Zealand adheres to the Payment Card Industry Data Security Standard (PCI DSS). This rigorous set of regulations ensures the safe handling of customer credit card information. Choosing a PCI DSS compliant payment gateway guarantees that your business meets these strict security requirements and protects your customers’ sensitive data.

Convenience for Kiwi Customers:

  • Local Payment Methods: Offering popular local payment methods is key to a smooth customer experience in New Zealand. Many payment gateways integrate seamlessly with POLi, a direct bank transfer option preferred by many Kiwis, and EFTPOS, the widely used electronic funds transfer at point-of-sale system. This allows your customers to pay using familiar and trusted methods, increasing their confidence and likelihood of completing a purchase.

Advanced Fraud Protection:

  • Combating Evolving Threats: The digital landscape constantly evolves, and fraudsters develop ever-more sophisticated tactics. A reliable payment gateway in New Zealand should provide advanced fraud screening tools to identify and prevent suspicious transactions. This protects your business from financial losses and safeguards your customers’ financial information.

By leveraging the features of a secure and customer-centric payment gateway, you can establish trust, enhance the checkout experience, and contribute to the overall success of your online business in New Zealand.

Factors to Consider When Choosing a Payment Gateway in New Zealand:

With a variety of payment gateways available in New Zealand, selecting the right one requires careful consideration. Here are the key factors to evaluate to ensure a smooth and successful online payment experience for you and your customers:


  • PCI DSS Compliance: As mentioned earlier, ensure the gateway adheres to PCI DSS standards for secure data handling.
  • Fraud Prevention Measures: Look for features like 3D Secure for added security during online transactions.
  • Data Encryption Standards: Strong encryption protocols safeguard sensitive information throughout the payment process.

Transaction Fees:

  • Fee Structure: Understand the breakdown of costs, including per-transaction fees, monthly charges, and any additional fees like chargebacks or setup fees.
  • Cost Absorption Strategy: Decide how you’ll cover these fees (absorb as a business expense, pass on to customers, factor into pricing, etc.).

Ease of Use:

  • User-Friendly Interface: A smooth and intuitive interface for both you and your customers is crucial for a seamless checkout process.
  • Integration Compatibility: Ensure the gateway integrates seamlessly with your existing website or platform.
  • Customer Support: Reliable and responsive customer support, particularly considering time zones for global providers, is essential for troubleshooting any issues.

Payment Methods Supported:

  • Catering to Your Audience: Offer the payment methods most relevant to your target audience. This typically includes popular credit and debit cards (Visa, Mastercard, etc.), local payment methods (POLi, EFTPOS), and digital wallets (Apple Pay, Google Pay).

Scalability and Growth:

  • Future-Proofing Your Business: Choose a gateway that can handle increasing transaction volume as your business grows.
  • Adaptability to Trends: Consider a gateway that can adapt to future payment trends and technologies.

By carefully evaluating these factors and considering your specific business needs, you can make an informed decision and select the payment gateway that best positions your New Zealand e-commerce business for success.

Popular Payment Gateways in New Zealand

New Zealand offers a variety of payment gateway providers to cater to the needs of your e-commerce business. Here’s a closer look at some of the most popular options.

Known for its competitive fees and focus on customer service, WooPay was released in 2020. WooPay offers a user-friendly platform and integrates with various shopping carts and e-commerce platforms. We prefer to build online shops using WooCommerce and as WooPayments was developed by the same company as WordPress, support is better than some other options.







Domestic Cards2.9% + $0.30+1.50%+2.00%

A globally recognized leader in payment processing, Stripe is known for its ease of use, scalability, and wide range of integrations. It supports a vast array of payment methods, making it a suitable option for businesses with international customers.







Domestic Cards

2.7% + $0.30



International Cards3.7% + NZ $0.303.7% + NZ $0.30


Another global giant, PayPal offers a familiar and trusted brand name for both businesses and customers. It boasts built-in buyer and seller protection features, making it a secure choice for online transactions.







Domestic Cards

3.4% + Fixed Fee ($0.45)



International Transactions3.4% + Fixed Fee ($0.45)+1.5%


(formerly Payment Express)

A well-established New Zealand provider, Windcave prioritises security and boasts extensive experience in the New Zealand market. They offer a variety of payment solutions and integrations for businesses of all sizes.



Domestic Cards

2.30% + $0.30 per transaction

International Cards

Varies by country

A New Zealand-based provider specialising in solutions for larger businesses. Paystation has a strong track record with recurring payments and caters to businesses with complex payment needs.


BASE FEESetup FeeFree Transactions Per MonthPer Transaction

Manual Payment





Online Starter





Online Growth





Online Enterprise$149/Month$149500



**All prices listed were correct on 19/03/2024

Choosing the Right Gateway

There are a variety of payment gateway providers, each with its unique strengths and considerations. Here’s how to navigate your options and select the best fit for your business:

Evaluate Your Needs

Carefully consider your business goals, target audience, and budget. What payment methods are most relevant to your customers? Do you anticipate high transaction volume or require specific integrations?

Compare Features

Research each gateway provider in detail, paying close attention to their fee structure, supported payment methods, security measures, ease of use, and customer support options.

Read Reviews and Ask Questions

Don’t hesitate to leverage online reviews and testimonials from other New Zealand businesses using these gateways. Additionally, reach out to the providers directly with any questions you may have.

Consider Scalability

Look beyond your current needs and choose a gateway that can accommodate your business growth. A scalable solution ensures a smooth transition as your transaction volume increases.

Free Trials and Consultations

Many payment gateways offer free trials or consultations. Take advantage of these opportunities to test-drive the platform, assess its user-friendliness, and gain firsthand experience.

By following these steps and carefully evaluating the factors mentioned previously, you can make an informed decision and select the payment gateway that empowers your New Zealand e-commerce business to flourish.

Conclusion: The Gateway to Success

The e-commerce landscape in New Zealand is brimming with potential. By equipping yourself with the right tools and knowledge, you can navigate this exciting space and ensure a smooth and secure online payment experience for your customers.

This in-depth guide has equipped you with the essential factors to consider when choosing a payment gateway in New Zealand. Remember, there’s no one-size-fits-all solution. Carefully evaluate your business needs, target audience, and budget to select the gateway that best positions you for success.

Take the Next Step

Don’t be afraid to conduct further research and compare the features offered by different payment gateways in New Zealand. Many providers offer free trials or consultations, allowing you to test-drive their platform and see if it’s a good fit for your business.

By prioritising security, convenience, and scalability, you can choose the perfect payment gateway to streamline your online transactions, build trust with your customers, and propel your New Zealand e-commerce business forward.


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