We connect businesses, banks & consumers with world-class payment experiences

CEO Dan Karehana's picture

The BlinkPay origins story

Daniel Karehana (Ngāi Te Rangi, Ngāti Ranginui, Ngāti Awa and Ngāti Pāoa) is CEO and founder of BlinkPay.

He was at work one day trying to pay his bills online, and became hōhā (annoyed) trying to log into different websites to find the right amounts to pay for his electricity, telephone, and internet. Compounding matters, he then remembered that he had left his rates bill on the fridge.

“I threw my hands up and thought ‘there’s got to be a better way!’ That’s when I realised it would be a whole lot easier if all of these different systems talked to each other.”

“It's easy to forget passwords if you use these websites infrequently, or you lose the emails they send you."

Dan reasoned that if you could present a customer's bills in the same place that they managed their money, then you had a real chance to create a brilliant payment experience for the customer, the biller and the bank. From this, Blink Bills was born.

Blink Bills seeks to integrate all of your bills into your online banking app, allowing you to receive, manage, and pay them all from one convenient location.

“I had this brainwave back in 2016 and have been on the path to establishing BlinkPay ever since.”

Over the years we have taken a broader view on the financial services industry in New Zealand, and through developing open banking APIs in partnership with the major banks, we feel that we are brilliantly placed to help billers and merchants create brilliant payment experiences.

The problem

Businesses pay high costs to process customer payments. Consumers drive this cost because they prefer convenient methods that are more expensive for businesses, or opt for cheaper methods that result in errors.

Bill payments

Card payments

Recurring payments

  • Bills are often sent as emails that customers misplace
  • Can have high dishonour costs if the customer does not have available funds
  • And are prone to errors for manual payers using their online bank
  • Transaction fees are expensive (and can be as high as 3% per transaction)
  • And these fees can be passed on to customers as surcharges
  • And payments fail if a card is cancelled or expired
  • Direct Debits (DD) take 10 days to set-up or amend
  • They are for a fixed amount, and cannot cope with any variance
  • And they continue until the customer cancels the DD with the bank AND the biller

Our solutions

Our payment solutions are directly integrated with banks via modern and secure APIs. These APIs are lower cost than card transaction fees and utilise banking apps for wide customer reach.

Blink PayNow is an integrated payment gateway designed for shopping carts. Customer's approve payments via their own banking app.

Bill Payments
Blink Bills is a fully integrated bill payment and management system within the customer's banking app. Blink AutoPay enables easy and fast set-up of Variable Recurring Payments (VRPs) that can also be managed out of the customer's banking app.

If you'd like to find out more, please feel free to contact us.


"Working with innovators and payments visionaries of Blinkpay has been a highlight of 2021. The Blinkpay team are focused on solving key payments pain points for consumers and businesses, while balancing the need to establish secure and industry compliant payment connections."
- Jonathon Dale, Head of Payment Development, BNZ

Executive leadership team

Martin Enright - Chief Operating Officer

Martin Enright - Chief Operating Officer
Martin helped found BlinkPay in 2018.  He draws on a 20 year commercial career with leadership roles in blue chips, advisory firms and start-ups, after originally training as a banking & finance lawyer.  Martin is experienced in developing new revenue opportunities, licensing and monetising IP and new technologies, structuring commercial agreements, building partnerships and managing diverse teams.  

Chris Riddell - Chief Technology Officer

Chris Riddell - Chief Technology Officer
Chris is BlinkPay's vision-driven technologist. Chris looks after overall technology strategy, architecture, information security and governance as well as being deeply involved in NZ Open Banking. In previous roles, Chris has consulted several businesses on technology through SME consulting, co-founded an analytics venture, and served as the technology lead of a banks innovation unit.

Adrian Smith - Chief Product Officer

Adrian Smith - Chief Product Officer
Adrian is a digital native who spent 14+ years doing big bank transformation in the UK, before returning home to Aotearoa in March 2021. Previously he was a Digital Business Banking Director for Barclays Bank, where his responsibilities included core products and services, digital platforms, analytics and digital customer experience.

Daniel Karehana - CEO and Director
Ngāiterangi, Ngāti Ranginui, Ngāti Awa and Ngāti Pāoa
Dan founded BlinkPay in 2018. Dan is a Chartered Accountant and has worked in Banking, Insurance, Investments & Iwi for about 16 years. Dan also founded another successful startup (ETX) that he led from 2008 - 2016.

Daniel Karehana - CEO and DirectorMartin Enright - Chief Operating Officer

Dan Katēne Arapere – Chief Legal Counsel
Ngāti Raukawa ki te Tonga, Ngāti Tūwharetoa, Ngāti Parewahawaha
Dan spent 15+ years working for commercial law firms in NZ and Australia. He is currently the in-house legal and compliance officer and Chief Information Security Officer for BlinkPay.

Board of Directors

Mark Tume - Chairman

Mark Tume - Chairman
Ngati Tuwharetoa, Ngati Maru ki Taranaki
An Independent director for over 20 years Mark has had governance experience across both public and private companies in Australia and New Zealand. Mark is Chair of Infratil, and Te Atiawa Iwi Holdings, and director of Retire Australia and Precinct Properties.

Walter Stone - Director

Wally Stone - Director
Waitaha, Ngai Tahu, Ngati Mutunga, Ngati Kahungunu
Wally has over 30 years of executive management and governance experience with private, public, iwi and non-profit organisations. Including chairman; Ngai Tahu Holding Corporation, New Zealand Tourism Board, Koau Capital Partners and Whale Watch Kaikoura.