API Providers
API Providers are banks that joined the API Centre, some of which have built standardised APIs for use by contracted third parties.
The following API Providers have built standardised APIs and are ready to partner with third parties. You can find out more about the service they offer, and more about open banking, on their websites.
ANZ has been a member of the API Centre since 2019, when the Centre was founded.
ANZ is currently partnering with BlinkPay (who offers Blink PayNow) and Worldline, the company behind Online EFTPOS.
ASB has been a member of the API Centre since 2019, when the Centre was founded.
ASB is currently partnering with BlinkPay (who offers Blink PayNow), Qippay and Volley.
BNZ has been a proud member of the API Centre since its inception in 2019, playing a pivotal role in shaping the future of open banking in New Zealand. Prior to joining the Centre, BNZ was one of the pioneering banks that participated in the open banking pilot, a foundational initiative that laid the groundwork for the API Centre’s establishment. This early involvement reflects BNZ’s commitment to innovation, collaboration, and delivering secure, customer-centric solutions.
As part of its ongoing efforts to enable seamless digital experiences, BNZ actively partners with leading payment innovators. With over 30+ collaborations which include BlinkPay, the provider of Blink PayNow; Qippay; Volley, which offers modern payment solutions with a focus on Charities; Worldline, the company behind Online EFTPOS and Centrapay, network of value exchange. These partnerships are central to BNZ’s strategy of expanding choice and convenience for customers while supporting the broader ecosystem of open banking.
Through these initiatives, BNZ is helping to accelerate the adoption of API-driven services that empower consumers and businesses alike. By fostering interoperability and security standards, BNZ contributes to a trusted environment where third-party providers can deliver value-added services, ultimately enhancing financial wellbeing across New Zealand.
BNZ’s vision is clear: to lead in creating an open, connected, and innovative financial landscape. Its work with the API Centre and strategic partners underscores a commitment to collaboration, transparency, and customer empowerment.
Kiwibank has been a member of the API Centre since 2019, when the Centre was founded.
Kiwibank will provide payments initiation APIs by 30 May 2026 and Account Information APIs by 30 November 2026.
Westpac NZ has been a member of the API Centre since 2019 and, prior to that, was part of the open banking pilot that led to the establishment of the API Centre.
More information, including Westpac NZ’s partners, can be found on Westpac's website.
The API Providers below are also members of the API Centre.
Third Parties
Third Parties are any organisation that joins the API Centre and intends to partner with API Providers so they can offer secure open banking-enabled apps and services. Some third parties have API Services agreements (contracts) with API Providers and have apps and services in market for customer to use, or do so in the near future.
Akahu offers open finance intermediary services
Akahu provides open finance intermediary services to a broad range of government, corporate, and fintech customers in the New Zealand market.
Akahu also offers a range of ancillary services, such as transaction enrichment, loan application processing, and APIs-as-a-service.
Akahu currently has API Services agreements (contracts) in place with ANZ, ASB, BNZ and Westpac.
BlinkPay offers an in-market payment gateway (Blink PayNow) and the development of data services for smarter payments
BlinkPay’s collaboration with leading banks and innovative businesses reflects our shared commitment to using advanced technology to improve the financial wellbeing of everyday New Zealanders.
Our flagship product, Blink PayNow, is a secure payment gateway that enables fast, frictionless payments directly from a customer’s bank account to a merchant’s account without the need for cards or intermediaries.
Alongside this, BlinkPay is also working with the Account Information API to build data services that enable smarter, more informed payment experiences across Aotearoa — helping businesses streamline operations and customers stay in control of their inances.
BlinkPay currently has API Services Agreements in place with ANZ, ASB, BNZ, and Westpac, ensuring nationwide coverage and reliability as open banking continues to evolve in New Zealand.
Emerge is a digital-first money app for Kiwis and Kiwi businesses.
Emerge offers personal accounts for anyone aged 13 and over, with sign-up in minutes from a mobile device and no paperwork.
Users get simple everyday tools that make managing money easier and more accessible. For businesses, Emerge provides operating accounts with team cards, expense controls, and features designed to streamline spend management and reduce admin.
Emerge is focused on giving New Zealanders a better money experience and building towards banking on their terms through modern, fair and easy-to-use tools.
The company holds API Services agreements with multiple New Zealand banks to enable secure, seamless payments and account connectivity.
Flik offers the Flik payment gateway.
At Flik, we have designed our payment gateway with both consumers and businesses in mind. We deliver one of the most cost-effective solutions available on the market while ensuring streamlined and secure payments that enhance the customer experience.
Our product suite features online payment processing for most major ecommerce platforms, complemented by QR and pay-by-link solutions for in-store sales.
We are also proud to be 100% Kiwi owned and operated!
Flik currently has API Services agreements in place with ANZ, ASB, BNZ, and Westpac.
POLi offers trusted, secure, easy and convenient open banking payments
POLi is a leading Pay-by-Bank payment solution, trusted by over 1.5 million Kiwis and powering payments for businesses of all sizes, from local legends to international brands.
With POLi, merchants and customers enjoy fast, secure, and cost-effective payments straight from their bank accounts. No cards, no hassle, just smooth, seamless transactions.
Whether it’s booking flights, paying invoices, sending money overseas, buying school lunch for the kids, or shopping with your favourite retailer, POLi makes it easy.
We’re proudly Kiwi-owned, and we’re all about innovation, responsiveness, and delivering payment solutions that work for real people.
And yes, we’ve got the big banks on board. POLi has API Services Agreements in place with ANZ, ASB, BNZ, and Westpac, so you know you’re in safe hands.
Qippay offers the Qippay payment gateway
Qippay is a New Zealand financial technology company that makes payments simpler for businesses and consumers. Using secure open banking technology, Qippay enables secure account-to-account payments without the use of cards, reducing transaction costs and improving speed visibility, and control.
Our platform integrates seamlessly with online checkout systems, helping merchants increase conversion and give customers a faster and safer way to pay.
Qippay is fully compliant with New Zealand financial regulations, is registered as a Financial Services Provider, and is certified to ISO 27002:2022 for information security and privacy protection.
SiSS Data Services is Australia’s leading independent open banking platform.
Its ACSISS range of solutions provides ‘accounting grade’ bank data feeds for businesses, their advisers, and the software platforms they use, by leveraging both direct and CDR-powered bank data feeds.
Over 10+ years, SiSS has earned the trust of all major Australian banks, leading software platforms, and over 500,000 Australians to securely, accurately and reliably share their financial data.
SiSS is based in Sydney and is Australian-owned and operated. SiSS has been an Accredited Data Recipient for the Consumer Data Right since May 2021 and is additionally ISO 27001 certified.
Usable Balance offers effortless accounting software
Most small businesses operate by looking at how much money they have in their bank account, but how much of that is actually safe to use?
Usable Balance gives businesses access to their financial position in real-time without the need for tedious reconciliation. Giving business owners and their advisors effortless access to their cash position so they can focus on the nuts and bolts of running a business.
Usable Balance currently has live API Services integrations with ANZ, ASB, BNZ and Westpac.
Volley is a new “Pay by Bank” service for New Zealand, offering peer-to-peer payments for consumers and simple payment acceptance for merchants, all built on top of regulated Open Banking APIs.
For consumers, Volley lets you create a payment link with a message and amount, then share it via Messenger, WhatsApp, SMS and more; your recipient approves the payment securely in their banking app, with no account numbers or additional apps required.
For merchants, Volley enables Pay-by-Bank acceptance via link or QR code, with customers confirming each payment in their banking app. Its fixed-cost pricing makes it ideal for invoices, direct credits, and any situation where traditional card fees are prohibitive.
Worldline offers Online EFTPOS, Online EFTPOS – Repeat Pay & Direct Pay
Since launching New Zealand’s first open banking payment solution—Online EFTPOS—back in 2016, Worldline has been a leading force behind a more open, competitive payments environment in New Zealand.
Building on the success of Online EFTPOS, Worldline has extended its open banking offering to include Direct Pay, which is integrated into a Tap on Mobile, SoftPOS solution—the first of its kind in New Zealand to support in-person, open banking-based account-to-account payments—and Online EFTPOS – Repeat Pay, a way to enable consumers to use open banking to pay their regular bills in a set-and-forget manner and the first in-market product utilising the enduring consent enabled by the latest standards.
With over a decade of pioneering open banking in New Zealand, Worldline is uniquely positioned to deliver scalable, reliable solutions. Our extensive EFTPOS network and deep API integration with all four major NZ banks ensure this innovative new payment method has the reach and impact to make a real difference.
Worldline’s open banking services are available via API Service agreements (contracts) with ANZ and BNZ. The services are also available via a first-generation API with ASB, Co-operative Bank and Westpac.
Find out more | Online EFTPOS demo | Online EFTPOS Repeat Pay demo | Direct Pay video
Wych delivers turn-key open-banking solutions across AU and NZ, providing a pathway to NZ’s CPD, aligned to Payments NZ open banking API standards.
Wych's API-First solutions include Product Reference Data (PRD) management, accredited Data Holder testing and open-banking integration infrastructure covering consent, security, insights, and operations end to end.
With 140+ connections, 99.95% uptime and no code development required, Wych helps you meet your obligations and launch new financial services seamlessly.
Wych currently has API Services agreements (contracts) in place with Kiwibank, ASB, and Westpac.
The future is bright! The third parties below are members of the API Centre but do not (yet) connect to API Providers' standardised APIs.
