FAQs
It’s easy peasy to PayZe. To make it even easier, we’ve answered your most common questions.
Buying a PayZe Card
How does PayZe Gift Card work?
Your PayZe gift 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 have a range of fabulous designs to choose from. Note that PayZe gift cards expire 36 months from activation date.
How do I get a PayZe Gift?
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 to manage your PayZe gift cards and make QR Code payments in New Zealand and more importantly overseas in places like Mainland China where QR payments are very much a standard method.
How is my PayZe card delivered?
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.
How much can I load on my PayZe card?
PayZe® Gift Cards may be purchased with a one-time value from NZ$25 to NZ$999. PayZe® Gift Cards cannot be reloaded.
Can I order multiple PayZe cards at the same time?
Yes, you can order up to 5 cards in one order with a maximum value on a card of NZ$999 and a maximum transaction value of NZ$1,500 (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]
Can I use my PayZe Cards in China and South East Asia?
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 and bind your PayZe gift cards to 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.
Can I make payments using a QR code?
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.
What is your privacy policy?
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.
What are the Terms of using these cards?
Please see the Terms and Conditions click here.
What about security?
For your peace of mind, we strongly recommend that you download the PayZe Wallet. This gives you complete control over all your PayZe cards. 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.
Using the PayZe Card
You will need to activate your PayZe Gift card before you can use it.
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.
Do I need to have a PIN number to use the PayZe Gift Card?
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.
Can I use my PayZe card at supermarkets?
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.
How do I use my PayZe Gift card?
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.
Can I add my PayZe Gift card to my Apple or Google wallet?
Not yet – but we plan to introduce this functionality in the future. Stay tuned!
Can I use my PayZe Gift card to purchase fuel?
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$250 to use any “Pay at Pump” service even if your fuel purchase is for less than that value.
Can I make a purchase for a higher value that my available balance on my PayZe Gift card?
Yes, if the merchant store or online site accepts split payments. You will need to supplement any remaining value on the card with cash or other payment method accepted by the merchant. Be aware: Most online retailers cannot offer split payment on purchases.
Are there any situations where PayZe cards cannot be used?
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.
Can the PayZe Gift card be used at an ATM to withdraw cash?
The PayZe Gift Cards may NOT be used at any ATM and cannot be redeemed for cash.
Can I use my PayZe card through a manual ‘zip-zap’ machine?
No. PayZe is intended for electronic transactions only.
What if the purchase I want to make is less than the remaining balance on my PayZe card?
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.
What happens if I need to return an item to the merchant?
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.
Why would a payment using my PayZe card be declined?
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
How do I check my PayZe card balance?
Download the PayZe Wallet to have full control of your PayZe Cards. Alternatively, you may view online at balance.payze.nz.
Can I view my transaction history?
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
Does my PayZe Gift Card expire?
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.
What happens if there are still funds on my PayZe Gift Card when it expires?
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.
What should I do if my card is lost or stolen?
For your peace of mind, we strongly recommend that you download the PayZe Wallet. This gives you complete control over all your PayZe gift cards. 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.
Why is there an initial load fee when I purchase 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.
Do some merchants place a pre-authorisation hold on my card?
Yes. Some merchants now apply a pre-authorisation hold on top of your purchase amount. This amount may vary but is at least 15% higher than the transaction value (for example: if your purchase value is $100, the merchant may require a balance of $115 to allow the transaction to proceed). It isn’t a fee — it’s a temporary hold the merchant uses to check that enough funds are available.
If your balance isn’t high enough to cover both the purchase and the pre-authorisation amount, the transaction may be declined. Once the merchant finalises the sale, any unused portion of the hold is released back to your card.
Note: these rules are set by individual merchants – PayZe has no control over these rules.
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