PayCly Blog

Payment Gateway Providers in New Zealand

We, PayCly, are one of the best payment gateway providers in New Zealand. You may have a question in your mind, what is a payment gateway? Let us explain; A payment gateway is a technology that enables payment transactions by transferring the payment details between the entities involved- the merchant's web or app portal, acquiring bank, issuing bank & card company. In addition, it safeguards our payment details by using top-notch security mechanisms like encryption, tokenization, 3DS authentication, etc., before transmitting. A payment gateway allows you to accept payment in local as well as international currencies and via many payment modes, including credit card and crypto payments.

Why Do You Need a Payment Gateway in New Zealand?

As a modern entrepreneur, you understand that market trends are changing online. Covid-19 had an important impact on the global expansion of the e-commerce businesses. The retail e-commerce market reached $5.2 trillion in 2021, while overall worldwide e-commerce sales had expanded to $29 trillion in 2019. In New Zealand, e-commerce sales are anticipated to hit $7 billion in 2022 and surpass $12 billion by 2025. Furthermore, as internet penetration grows, kiwis are more likely to purchase goods and services online. According to the digital reportal, 94% of people in New Zealand use the internet.

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New Zealand merchant account and payment gateway are essential for starting an online business. A merchant account permits online businesses to accept payments via credit or debit cards, bank transfers, cryptocurrencies, etc. An international payment gateway connects your website or application's payment portal to a merchant account.

Due to the accessibility of the internet, most shoppers nowadays prefer to shop online instead of visiting stores. Online shopping provides many benefits, as customers can purchase anything with a click only. Furthermore, a customer can find the best discounts, free home delivery and many options to choose from. Additionally, it saves customers a lot of effort, time and money. Lastly, setting up an online business is often easier than opening a brick & motor store.


Types of Payment Gateways

Payment gateways are categorised into three types, and we provide each. These are listed below:

How Does a Payment Gateway Work?

For easy understanding, we provide a shortened illustration of the procedure of how a payment gateway works.

How PayCly is the Best Payment Gateway Provider in New Zealand?

Payment gateways are provided by several PSPs in New Zealand, including famous ones like 2Checkout, Afterpay, PayPal, Stripe, BlueSnap, Adyen, etc. None is the best payment gateway because some are costly and offer an unreasonable fixed fee structure, some don't offer ready-to-use plug-ins for fast integration, and some only support limited payment methods. Moreover, they don't offer you personalized services according to your needs. Furthermore, they don't provide payment solutions to unregulated businesses.


On the flip side, PayCly, a payment solution provider (PSP) with the lowest MDR rates in New Zealand, offers a variety of pricing plans, allowing you to choose the one that best meets your company's needs. Credit cards, local payments, cryptocurrencies, and more than 100 other payment methods are all accepted by us. PayCly offers the highest level of security using the most recent technologies: AI & ML, and complies with PCI-DSS highest level-1 (highest level certification). We are New Zealand's top payment gateway thanks to the following benefits:

Benefits You Get by Acquiring PayCly’s Payment Gateway

Frequently Asked Questions (FAQ)

What are the Differences between Payment Gateways and Merchant Accounts?

A payment gateway is a SaaS service. It connects your website or application's payment portal to a merchant or acquiring account and securely transmits payment data between them. On the flip side, a merchant account is equivalent to a bank account that receives, retains and withdraws the funds the buyer credits for your goods and services. PayCly renders you to each payment solution, including international payment gateways and high-risk merchant accounts.

What other Payment Solutions Does PayCly Offer aside from Payment Gateway?

Actually, PayCly offers every type of payment option an online business could require. In addition to payment gateways, we also provide a comprehensive range of payment services, including credit card processing, high-risk merchant accounts, and offshore merchant accounts. PayCly offers merchant accounts with high-risk and industry-specific features for both regulated and unregulated industries. We have a plethora of expertise working with the following industries to provide payment gateways and merchant accounts:

Casino Merchant Account Forex Merchant Account
E-Commerce Merchant Account Fantasy Gaming Merchant Account
Escort Merchant Account Adult Toys Merchant Account
IPTV Merchant Account E-Cigarettes Merchant Account
Tobacco Merchant Account SMM Panel Merchant Account

Does PayCly provide its services all over Oceania?

Yes, we offer our services globally, and we are the most trustworthy provider of payment services on the oldest Continent. We offer our payment services to all 23 nations of Oceania, including New Zealand, Australia, Fiji, Papua New Guinea, Solomon Islands, Marshall Islands, Northern Mariana Islands, American Samoa, Micronesia, Vanuatu, New Caledonia, French Polynesia, Samoa, Guam, Kiribati, and Tonga.