BUSINESS

Innovative APIs That Enhance Your Business

BlinkPay’s payment solutions integrate merchants with Open Banking APIs, resulting in improved efficiency, earnings and customer satisfaction.

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Our partners include major banks in New Zealand
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Frequently Asked Questions

Have questions? We can answer them for you.

Accepting payments with Blink PayNow

What is Blink PayNow?

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Blink PayNow is a one-off payment service that allows you to easily accept direct credit payments directly from your customers’ bank accounts. Blink PayNow is an API based service that connects directly to participating banks and can be added to your website or app as an instant payment option.

How does Blink PayNow work?

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Blink PayNow uses modern APIs that can be easily incorporated into your website or app as a payment method. Our APIs enable your business to initiate a payment request directly to a customer's bank account for approval. Once a payment is approved, transactions can be recognised immediately.

Is Blink PayNow safe?

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BlinkPay uses NZ best in industry technology. BlinkPay utilises the new New Zealand Open Banking standardised APIs and is a registered user with Payments NZ. This means payments are made using secure and approved technologies. We take your security seriously, and we are compliant with the ISO 27001 international security standard.

Is Blink PayNow approved by banks?

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BlinkPay has contracted with banks. BlinkPay offers its services through participating banks that have entered into direct contracts and granted access to BlinkPay to enable customer payments.

How do my customers use Blink PayNow?

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Once you have added Blink PayNow to your website or app as a payment option, your customers follow these simple steps.

1. Choose to pay with BlinkPay when they see it as a payment option
2. Select their bank and click proceed with payment
3. The customer is redirected to their bank to approve the request

What does Blink PayNow Cost?

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Blink PayNow is a new service and we are offering competitive rates when compared to any current merchant payment offerings.

How do I start using Blink PayNow?

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To start using Blink PayNow, contact us and we will work with you to ensure that our service is integrated correctly with your online systems.

Recurring payments with Blink AutoPay

What is Blink AutoPay?

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Blink AutoPay is a new modern payment method that allows you to debit payments directly from your customers’ bank accounts on a recurring basis. Blink AutoPay is an API based service that connects directly to participating banks resulting in a streamlined sign up process and instant payment processing.

How does Blink AutoPay work?

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Blink AutoPay uses modern APIs that can be easily incorporated into your website or app as a payment method. Our APIs enable your business to initiate a recurring payment request directly to a customer's bank account for approval. Once a request is approved, transactions can be initiated with each billing cycle on a recurring basis without any additional approvals.

Is Blink AutoPay a Direct Debit arrangement?

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Blink AutoPay is NOT a Direct Debit arrangement. Blink AutoPay operates under the New Zealand Open Banking Standards. The standards provide for functionality that enables recurring payments from a customer's account as long as they consent to the request. The Direct Debit rules do not apply to Blink AutoPay meaning a much simpler set up and faster processing times.

Is Blink AutoPay safe?

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BlinkPay uses NZ best in industry technology. BlinkPay utilises the new New Zealand Open Banking standardised APIs and is a registered user with Payments NZ. This means payments are made using secure and approved technologies. We take your security seriously, and we are compliant with the ISO 27001 international security standard.

Is Blink AutoPay approved by banks?

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BlinkPay has contracted with banks. BlinkPay offers its services through participating banks that have entered into direct contracts and granted access to BlinkPay to enable customer payments.

How do my customers use Blink AutoPay?

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Once you have added Blink AutoPay to your website or app as a payment option, your customers follow these simple steps.

1. Choose to pay with BlinkPay when they see it as a payment option
2. Select their bank and click proceed with payment
3. The customer is redirected to their bank to approve the request

What does Blink AutoPay Cost?

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Blink AutoPay is a new service and we are offering competitive rates when compared to any current merchant payment offerings.

Can customers cancel Blink AutoPay?

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Yes, customers can cancel a Blink AutoPay arrangement at any time. They can do this from their online banking.

What if the customer has insufficient funds?

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Payment requests that cannot be completed are designated as declined. This will occur if the customer has insufficient funds at the time the AutoPay request is initiated. This will not result in a dishonour meaning no costly dishonour fees or processing.

Sending Bills via Blink Bills

What is Blink Bills?

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Blink Bills is a bill presentment and payment service that makes it easy for your customers to pay with convenient and secure payments direct from their online or mobile banking.

With Blink Bills, your customers will receive their bills in their online or mobile bank, with the option to pay straight away or schedule payment for later.

What are the benefits for my customers?

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They can schedule payments, get reminded of the due date, and never miss a payment again. Here’s a summary of how your customers can benefit from Blink Bills:

- Easy access. Customers whose banks offer Blink Bills can access their bills anytime and from anywhere on their internet banking or mobile banking app.
- Convenience. Customers can view and pay multiple bills from multiple billers all from the one location, making it faster and easier to pay.
- Choice. Your customers can choose when to pay.
- Organisation. Bills can be viewed, paid and stored in one electronic location — no more filing required.

How can Blink Bills benefit my business?

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- Use Blink Bills to send bills and statements online to your customers’ online banking in bulk – since the correct reference details are loaded, there are no more costly and time consuming reconciliation errors.
- Deliver bills straight to your customers’ banking platforms – so they’re right where they need to be.
- Help your customers to pay on time, with automated reminders.
- Get paid faster, with cleared funds in your account (subject to standard banking transfer timeframes)
- Drive traffic to your website by putting links to special offers in your bills.

How does Blink Bills work?

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Contact us and we will ensure that you can integrate with our modern APIs. Then when you are ready, send your bill data to BlinkPay. We’ll send bills and statements straight to your customers’ online bank, where they can view the bill and pay.

How do I become a Blink Bills Biller?

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To become a Blink Bills biller, first contact us. We’ll work with you and your bank to help test and implement your Blink Bills system.

How do my customers view their Bills?

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Your customer will receive a notification of a new bill from their bank (either in their online or mobile banking, or by email, or both). 

When they log into their internet or mobile banking, they can view a bill summary in the Blink Bills section, which includes information like the biller, payment amount and due date. Clicking on a link in the bill summary will take them to a more detailed view of the bill that may also include a pdf version of the bill. The level of detailed information can be configured to suit your requirements.

Improve your customer experiences and reduce your cost