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FAQs

It’s easy peasy to PayZe. To make it even easier, we’ve answered your most common questions.

Buying a PayZe Card

Your PayZe Card can be used to pay for purchases in New Zealand and overseas wherever UnionPay cards are accepted. The purchase amount and charges (if any) are deducted from the card’s available balance. You now have two options and a range of designs to choose from. A normal gift card which has a value when purchased, or our new reloadable card which you can top up at any time using the PayZe Wallet.

At this stage you can only purchase PayZe cards online through our website www.payze.nz or through our partner site www.giveagiftcard.co.nz.

You can also download the PayZe Wallet which comes complete with a PayZe Reload virtual card. You can load value to the virtual card through the PayZe Wallet using Account2Account or by direct bank transfer. The PayZe virtual card can be used for QR Code payments in New Zealand and more importantly overseas in places like Mainland China where QR payments are very much a standard method.

The PayZe card is delivered by secure courier to the recipient’s physical address you provided when placing the order. Note that we cannot deliver cards to PO boxes.

Typically a gift card is purchased with a set value for a specific event such as a birthday gift, and while PayZe Gift cards may be used multiple times until the balance is used up and expires after a certain period they cannot be reloaded.

With our new PayZe Reload cards, you buy once, and in conjunction with the PayZe Mobile Wallet, you can top up from your bank account as often as you want.

No fees if you top up by Direct Bank Transfer.   

PayZe® Gift Cards may be purchased with a one-time value from NZ$25 to NZ$1000.  PayZe® Gift Cards cannot be reloaded.

PayZe® Reload Cards may be purchased online with an initial value between NZ$100 – NZ$1,000.  The PayZe® Reload Card may be reloaded at any time through the Mobile Wallet with no fees using Direct bank Transfer from your bank account (allow at least 2 business days for bank transfers).  Maximum reload through the Mobile Wallet is NZ$2,500 a day, with a maximum balance of NZ$10,000.

We also offer the Account2Account top up facility with a fee of 1.25%.

Note: once PayZe® Reload Card has been reloaded, you can move funds between your PayZe® virtual account and other reloadable cards in your Wallet, but you cannot transfer funds to a PayZe® Gift Card or out to a bank account or another cardholder.

PayZe® Reload Cards may be used at any ATM accepting UnionPay cards (charges will apply). 

The PayZe® Reload Card may be reloaded at any time through the Mobile Wallet with NO FEES using Direct Bank Transfer from your bank account (allow at least 2 business days for bank transfers).  Maximum reload through the Mobile Wallet is NZ$2,500 a day, with a maximum balance at any one time of NZ$10,000.

We also offer the Account2Account top up facility with a fee of 1.25%.

Yes, you can order up to 5 cards in one order with a maximum value on each card of NZ$1,000 and a maximum transaction value of NZ$5,000 (excluding additional charges such as card charges, handling, courier, and any GST). We welcome larger orders, and we offer a co-brand custom service as well. Please contact [email protected]

Yes, as QR Code payments are universally accepted in Mainland China, you do not even need a physical PayZe Card. Simply download the PayZe Wallet which comes complete with a virtual card account. Load funds onto the PayZe Wallet and you are ready to make payments using the PayZe QR Code.  QR payments are not only welcomed in Mainland China but also many South East Asia destinations including Thailand, the Philippines, Hong Kong, Singapore, Malaysia, South Korea, Cambodia and Sri Lanka. 

Making QR payments is as easy as taking a snap!  QR payment acceptance is rolling out in New Zealand and Australia with some major retail groups already accepting QR code.  Be sure to download the PayZe Mobile Wallet to take advantage of QR payments.

If you are travelling overseas, QR payments are welcomed in Mainland China and many SE Asia destinations including Thailand, the Philippines, Hong Kong, Singapore, Malaysia, South Korea, Cambodia and Sri Lanka. 

We adhere to the New Zealand Privacy guidelines. We will not disclose your personal details to anyone except to operate our prepaid card programs or as required by law. All data transmitted via the internet is encrypted. To see our Privacy Policy, click here. 

Please see the Terms and Conditions click here. 

For your peace of mind, we strongly recommend that you download the PayZe Wallet. This gives you complete control over all your PayZe cards – both Gift and Reload. If a PayZe card is lost or stolen, you can simply and instantly put a card on hold within the PayZe Wallet. However, always treat PayZe Gift Cards like cash and always keep them secure. Note: You cannot transfer funds from a PayZe Gift Card.

Your card will be delivered to you by secure courier. Activate your card at activate.payze.nz or better still, download the PayZe Wallet from your app store. Add your card to the PayZe Wallet and you have full control over all your PayZe cards.

For instore purchases using your PayZe Gift Card, you will need to swipe the card, select CR or CHQ/SAV, and enter your PIN if prompted. You will find the PIN number under the scratch panel on the back of the card. If you have a PayZe Reload Card, please see the next section.

Your PayZe card may be used at most participating major supermarkets in New Zealand. Stores are being added continuously but always check first that the store accepts UnionPay cards.

Our cards can be used instore at participating retailers in New Zealand or overseas where UnionPay cards are accepted. Always check first. PayZe® Cards can be used at some participating online stores in New Zealand and overseas where UnionPay cards are accepted. However, please note that not all online stores accept PayZe® UnionPay cards. Additionally, some merchants may require a higher available balance than the total value of your purchases due to a pre-authorisation function. Your transaction may be declined if you do not have enough funds to cover both the pre-authorisation and your purchase.

Not yet – but we plan to introduce this functionality in the future. Stay tuned!

Yes, but we recommend only for payments at the counter at fuel service stations that accept UnionPay cards. “Pay at Pump” may be available – but always check first if UnionPay cards are accepted. Typically, you will need a balance of NZ$200 to use any “Pay at Pump” service even if your fuel purchase is for less than that value. 

Yes, if the merchant accepts split payments, you will need to supplement any remaining value on the card with cash or other payment method accepted by the merchant. Note: Most online retailers cannot offer split payment on purchases. 

The PayZe card cannot be used for mail or telephone orders or for gambling transactions or other banned merchants. The card cannot be used for any direct debits, recurring payments, or payment instalments. Please note that not all online stores accept PayZe® UnionPay cards. Additionally, some merchants may require a higher available balance than the total value of your purchases due to a pre-authorisation function. Your transaction may be declined if you do not have enough funds to cover both the pre-authorisation and your purchase. 

The PayZe Gift Cards may NOT be used at any ATM and cannot be redeemed for cash.

No. PayZe is intended for electronic transactions only.

Only the value of your purchase and charges (if any) will be deducted from the balance on the card, so you can use the card for more purchases later. No change will be given. 

Each merchant has its own policy about accepting returned items. If a merchant does accept the return of goods purchased with a prepaid card, then the merchant can process a refund transaction, and the spending power of the card is restored. However, such credits are not immediate so please check your transaction history. 

 There are several possibilities:

  • the amount of the purchase exceeds the available balance  
  • the online merchant has enforced a pre-authorisation requirement requiring more funds than your purchase amount 
  • the merchant is in a blocked country  
  • the type of transactions is prohibited  
  • your card has expired  
  • you have entered an invalid PIN  
  • your card has been reported lost or stolen  
  • your card has been suspended  
  • your card has been damaged or tampered with  
  • the signature panel on the back of the card has not been signed  
  • your signature on the back of the card does not match the identification you have provided to the merchant  
  • the merchant does not accept UnionPay cards 

Download the PayZe Wallet to have full control of your PayZe CardsAlternatively, you may view online at balance.payze.nz. 

Download the PayZe Wallet to have full control of your PayZe Cards including view balances and transaction history. Alternatively, you may view online at balance.payze.nz

PayZe Gift Cards will expire at least 36 months after the purchase date. Your card is not valid after the expiry date. Any unused value remaining on expiry will be forfeited automatically.

We encourage you to spend your funds, but after the PayZe Gift Card’s expiry date, or following cancellation for non-activation, any balance will be forfeited, and the card will be declined if you try to use it.

For your peace of mind, we strongly recommend that you download the PayZe Wallet. This gives you complete control over all your PayZe cards – Gift and Reload. If a PayZe card is lost or stolen, you can simply and instantly put a card on hold within the PayZe Wallet. However, always treat PayZe Gift Cards like cash and always keep them secure as you cannot transfer funds from a PayZe Gift Card.

This is a necessary charge that allows us to facilitate PayZe cards to be used globally through millions of retail outlets. All PayZe charges and fees are detailed in the Terms & Conditions Charges Schedule. Please see the Terms and Conditions click here.

Your card will be delivered to you by secure courier. Activate your card at activate.payze.nz or better still, download the PayZe Wallet from your app store. Add your card to the PayZe Wallet and you have full control over all your PayZe cards.

Your PayZe Reload Card is contactless. For instore purchases using your PayZe Reload Card, you will need to enter your PIN if your purchase is greater than the contactless PIN limit (eg. in NZ it is $200). If contactless payment is not available, you will need to use your PIN. You will find the PIN number under the scratch panel on the back of the card

The PayZe® Reload Card may be reloaded at any time through the Mobile Wallet with NO FEES using Direct Bank Transfer from your bank account (allow at least 2 business days for bank transfers).  Maximum reload through the Mobile Wallet is NZ$2,500 a day, with a maximum balance of NZ$10,000.

We also offer the Account2Account top up facility with a fee of 1.25%.

Reload at any time through the Mobile Wallet with NO FEES using Direct Bank Transfer from your bank account (allow at least 2 business days for bank transfers).  Maximum reload through the Mobile Wallet is NZ$2,500 a day, with a maximum balance of NZ$10,000.

We also offer the Account2Account top up facility with a fee of 1.25%.

If you are shopping at a store that accepts UnionPay contactless payments, simply tap the card on the terminal and the payment is complete. Otherwise, insert the card and select any of  CR or CHQ/SAV if prompted to do so (some stores do not require this step) then input your PIN. NOTE: For a contactless payment, you will need to enter your PIN if your purchase is greater than the contactless PIN limit (eg. in NZ it is $200). 

Your PayZe Reload Card may be used at most participating major supermarkets in New Zealand. Stores are being added continuously but always check first that the store accepts UnionPay cards. 

Our cards can be used instore at participating retailers in New Zealand or overseas where UnionPay cards are accepted. Always check first. PayZe Cards can be used at some participating online stores in New Zealand and overseas where UnionPay cards are accepted. However, please note that not all online stores accept PayZe UnionPay cards. Additionally, some merchants may require a higher available balance than the total value of your purchases due to a pre-authorisation function. Your transaction may be declined if you do not have enough funds to cover both the pre-authorisation and your purchase.

Not yet – but we plan to introduce this functionality in the future. Stay tuned!

Yes, you can. Go to your Account in the wallet and select add Bank Cards. Follow the prompts from there.

Yes, but we recommend only for payments at the counter at fuel service stations that accept UnionPay cards. “Pay at Pump” may be available – but always check first if UnionPay cards are accepted. Typically, you will need a balance of NZ$200 to use any “Pay at Pump” service even if your fuel purchase is for less than that value.

Yes, but we recommend only for payments at the counter at fuel service stations that accept UnionPay cards“Pay at Pump” may be available – but always check first if UnionPay cards are acceptedTypically, you will need a balance of NZ$200 to use any “Pay at Pump” service. 

If you have the PayZe Wallet, you can top up your card instantly using the Account2Account reload function otherwise you will need to supplement any remaining value on the card with cash or other payment method accepted by the merchant. Note: Most online retailers cannot offer split payment on purchases.

The PayZe card cannot be used for mail or telephone orders or for gambling transactions or other banned merchants. The card cannot be used for any direct debits, recurring payments, or payment instalments. Please note that not all online stores accept PayZe® UnionPay cards. Additionally, some merchants may require a higher available balance than the total value of your purchases due to a pre-authorisation function. Your transaction may be declined if you do not have enough funds to cover both the pre-authorisation and your purchase. 

PayZe Reload Cards may be reloaded through the Mobile Wallet after you have completed the required verification process.

There are NO FEES for reload using Direct Bank Transfer (allow at least 2 business days for bank transfers). Once a card has been reloaded, you can move funds between your virtual PayZe account and other PayZe reloadable cards, but you cannot transfer funds out to a bank account or to another cardholder.

We also offer the Account2Account top up facility with a fee of 1.25%.

You can move funds between your PayZe digital wallet account and other PayZe reloadable cards. 

You cannot transfer funds out of your PayZe Wallet to another cardholder or a bank account.

The PayZe Reload card may be used at some ATMs accepting UnionPay cards. In New Zealand, the bank ATMs currently accepting PayZe UnionPay cards are Westpac; ANZ; and BNZ. Note: Charges apply for all withdrawals and balance checks via an ATM. Independent ATMs (non-bank branded) will charge an additional surcharge. Important: PayZe Gift Cards may NOT be used at any ATM.

No. PayZe is intended for electronic transactions only.

Only the value of your purchase and charges (if any) will be deducted from the balance on the card, so you can use the card for more purchases later. No change will be given. 

Each merchant has its own policy about accepting returned items. If a merchant does accept the return of goods purchased with a prepaid card, then the merchant can process a refund transaction, and the spending power of the card is restored. However, such credits are not immediate so please check your transaction history. 

 There are several possibilities:

  • the amount of the purchase exceeds the available balance  
  • the online merchant has enforced a pre-authorisation requirement requiring more funds than your purchase amount 
  • the merchant is in a blocked country  
  • the type of transactions is prohibited  
  • your card has expired  
  • you have entered an invalid PIN  
  • your card has been reported lost or stolen  
  • your card has been suspended  
  • your card has been damaged or tampered with  
  • the signature panel on the back of the card has not been signed  
  • your signature on the back of the card does not match the identification you have provided to the merchant  
  • the merchant does not accept UnionPay cards 

Download the PayZe Wallet to have full control of your PayZe Cards. Alternatively, you may view online at balance.payze.nz. 

Download the PayZe Wallet to have full control of your PayZe Cards. Alternatively, you may view online at balance.payze.nz

PayZe Reload Cards have an expiry of at least 5 yearsUse the PayZe Wallet to manage your PayZe Cards – which includes transferring funds between your PayZe Reloadable Cards.  

or your peace of mind, we strongly recommend that you download the PayZe Wallet. This gives you complete control over all your PayZe cards – Gift and Reload. If a PayZe card is lost or stolen, you can simply and instantly put a card on hold within the PayZe Wallet. If you have any PayZe Reload Cards, you can easily transfer your funds between the cards. However, please treat PayZe Gift Cards like cash and keep them secure at all times. Note: you cannot transfer funds from a PayZe Gift Card.

This is a necessary charge that allows us to facilitate PayZe cards to be used globally through millions of retail outlets. All PayZe charges and fees are detailed in the Terms & Conditions Charges Schedule. Please see the Terms and Conditions click here.

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