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 merchants 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 immediate 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.

What are APIs?

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An API (Application Programming Interface) is a piece of software that allows two systems to talk to each other. To use a simple analogy, an API is like a waiter in a restaurant, and the table you are sitting at is one system, and the kitchen is a second system. The waiter takes your order, then delivers your order to the chef, and returns it to your table when ready. This is the essence of what an API does. It takes a request, goes off to fetch it, and then returns it.

Is it easy to set up Blink PayNow?

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Getting started is simple - just sign up on the BlinkPay website and our team will connect with you to complete the set-up of your account in our system. To complete set-up, we will need the following as a minimum:
- Trading name
- NZBN (New Zealand Business Number)
- Bank account number (for receiving payments)
As part of your onboarding, we will assign a tech lead to help you connect to our service.  

NB: If you are also a Xero customer, you can add our payment services from the Xero App Store (NZ). Find and select our Blink PayNow app, click ‘get this app’ and follow the steps.  

Will I have to fill-in lots of paperwork to get set-up?

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No. Our set-up process is all digital. All you have to do is fill-in our sign up form on our website which can be done in a matter of minutes. To complete the sign-up process, we will send you a contract that can be signed digitally.

How long does it take to set up Blink PayNow?

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Once your business has been registered in our system, Blink PayNow can be set-up reasonably quickly depending on your technical requirements. Our technical lead will be able to provide guidance once you have signed up.  

NB: If you are a Xero customer, it can be set-up and added to your invoices in a few clicks as we have directly integrated with the Xero platform.

I run an e-commerce site with custom code, can I connect?

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Absolutely! If you're running an e-commerce site with custom code, you can definitely connect.  To get your API access credentials, sign up through our sign up form and select the request API access checkbox.

Additionally, we recommend taking advantage of our Software Development Kits (SDKs) that we have available on GitHub for a number of backend languages.

I’m not technical, will you help me set-up your payment services?

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Of course! We acknowledge that not every business has its own technical people, and so we are more than willing to provide guidance if required.

What do you do with my data?

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We use your data to set your business up in our system, meet banking compliance requirements, help you with set-up and access to our systems, and to process payments to you. For further information, you can check out our privacy policy on our website.

Your information is stored securely and BlinkPay has been independently assessed and certified using internationally recognized standards for information security management.

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 have been independently certified with the internationally recognised ISO27001 standard for Information Security Management.

How can I assure my customers that Blink PayNow isn’t a scam?

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BlinkPay has agreements with our supported banks that allow us to connect directly to their bank systems. We will never ask customers for their login details. But we will redirect them via a secure connection to their own bank, where they will login as per usual. And in doing so, the customer is protected by all the usual bank security measures. For further information, please visit the pages of our supported banks BNZ and Westpac.  

Additionally, BlinkPay has been independently certified with the internationally recognised ISO27001 standard for Information Security Management.

What are the benefits of Blink PayNow?

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Blink PayNow is built on the latest secure technologies, meaning payments happen almost instantly, and do not incur the types of fees typically associated with using credit cards. Customers also have more control, as they can easily approve one-off payments through their banking app.

Is Blink PayNow approved by banks?

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BlinkPay contracts directly with each bank. BlinkPay offers its services through participating banks that have entered into direct contracts and granted access to their systems for 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 (or 'directly from your bank') 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

When do payments settle?

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Normally within two hours on business days, although it can be in near real time if the sending and receiving accounts are with the same bank.  Settlements are completed in cleared funds.

What does Blink PayNow Cost?

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Our Blink PayNow standard fee is 0.95% per successful transaction, capped at $3.00 NZD (New Zealand Dollars).

Recurring payments with Blink AutoPay

What is Blink AutoPay?

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Blink AutoPay is a new modern payment method that allows merchants 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.

What is Open banking?

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Open banking is the name of an initiative that seeks to establish greater competition in the financial services industry by allowing more companies to access financial data and banking platforms to deliver innovative new financial products and services for merchants and consumers.   The key idea is that you give permission to trusted third-party companies (whose services you are using) to access your banking data on your behalf.  This allows such companies to offer better products and services that may be customised to your needs, as well as speed up (or shorten) application processes for lending products, insurances, and the like.  

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.

What are the benefits of Blink AutoPay?

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Blink AutoPay enables merchants to start collecting new recurring payments sooner, as these are not subject to the 10-day notice period that a new direct debit must observe. Customers benefit from a quicker and simpler sign-up process, and because it isn’t tied to a card, they do not have to worry about missed payments if a card gets lost or expires.

How is a recurring payment different to a direct debit?

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The primary difference between a direct debit and a recurring payment is the amount of effort required to set-up a new one. Often times a customer will need to fill-in a form, that is then sent away to their bank to be processed. Recurring payments using the Open Banking Payments API can be started and completed in the same session, usually within minutes. Moreover, new recurring payments are not subject to the 10-day notice period that new direct debits must observe.

How is a recurring payment different to an automatic payment?

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An automatic payment ‘pushes’ the payment out of your account, but the amount is fixed, so any changes to this amount require effort from the customer to amend, authorise or cancel the payment. A recurring payment using the Open Banking Payment APIs is a ‘pull’ payment that is requested by the merchant. Once this is set-up, any changes in the amount do not require any additional customer effort, unless the customer sets a limit approval if a payment exceeds a specific amount.

Is Blink AutoPay approved by banks?

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BlinkPay contracts directly with each bank. 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 digital payment service and we are offering competitive rates for merchants. If you'd like to discuss, please contact us.

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