Shopify Payments for New Zealand

Businesses based in New Zealand can use Shopify Payments to accept Visa, Mastercard, American Express, and UnionPay debit and credit cards. You can also accept Apple Pay, Google Pay, and Shop Pay.

Businesses in New Zealand can also accept payments using Bancontact, and iDEAL.

Fees for Shopify Payments in New Zealand

Shopify Payments fees are location-dependent and can vary. To get the most accurate and detailed information regarding fees, visit the plans and pricing page for New Zealand. This page provides a breakdown of the rates and fees associated with Shopify Payments based on your selected plan.

View payment rates in your Shopify admin

If you're already a Shopify merchant, then you can access information about the specific rates and fees applicable to your store location and chosen plan.


  1. From your Shopify admin, go to Settings > Payments.
  2. In the Shopify Payments section, click Manage.
  3. View the rates that apply to different payment methods.

Requirements for Shopify Payments

To use Shopify Payments, ensure that you can meet the following requirements.

Prohibited businesses

Some types of businesses and services are not permitted to use Shopify Payments. To see whether you can use Shopify Payments, check the list of prohibited business types for New Zealand.

More details can be found in the Shopify Payments Terms of Service (TOS).

Bank account requirements for Shopify Payments

Make sure that your bank account meets the following requirements before you connect it to Shopify Payments:

  • The bank account is a full checking account with a bank in New Zealand in NZD currency.
  • The bank account is eligible for BECS transfers.

Checking accounts that are set up to accept only wire transfers don't work with Shopify Payments. Savings accounts, flex-currency accounts, and money-transferring services that mimic bank accounts aren't supported by Shopify Payments. Although non-Shopify virtual accounts are supported, you might experience more payout failures with these accounts.

To confirm that your account can accept the transfer type listed for your region, contact your bank.

Personal information requirements for Shopify Payments

In response to regulations in different countries, you're required to provide information about you and your business. The information is collected to help identify merchants using Shopify Payments, including the beneficial owners of a particular corporate entity. The purpose of collecting this information is to comply with regulatory requirements designed to prevent money laundering, terrorist financing, and other financial crimes.

As local rules and regulations evolve, Shopify and its partners might contact you to collect additional information about you and your business. These standard reviews can occur at any time during the lifespan of your Shopify Payments account.

The information that Shopify has to collect differs from country to country, but typically includes details about the following people and organizations that are involved:

  • the individual creating the Shopify Payments account
  • the business associated with the Shopify Payments account
  • the individuals who ultimately own or control the business, which includes the business owner or a senior executive with legal signing authority for the business

To help the verification process, when providing documents as evidence, ensure that your documentation:

  • is clear and large enough to read
  • is correct and valid
  • is up-to-date with the most recent date possible
  • is complete with all details visible
  • is free of any errors or typos
  • matches the information provided

For more information, refer to the full document requirements for identity and address verification and business verification.

Acceptable document types for individuals and businesses in New Zealand include the following.

Identity documents:

  • Passport
  • Driver license: scans of front and back are required
  • New Zealand emergency travel document
  • New Zealand refugee travel document
  • New Zealand certificate of identity

Address documents:

  • Passport
  • Driver license: scans of front and back are required
  • Utility bill
  • Central Government Agency document
  • Local council/government letter
  • Signed rental tenancy agreement
  • Electoral roll papers
  • Insurance policy document
  • Car registration notification/demand
  • Financial statement

Company/entity documents:

  • Statement from a financial institution
  • Government-issued letter
  • VAT registration
  • New Zealand Business Number Registration Extract
  • New Zealand Companies Office Company Extract
  • New Zealand Certificate of Incorporation
  • New Zealand Certificate of Good Standing
  • Memorandum of Association
  • Financial statement

Accepting payments

In most countries, when your business is a sole proprietorship you're automatically set up to accept all major payment methods as soon as you create your Shopify store with Shopify Payments activated. Your card rate is based on your store's Shopify subscription plan, and you can change plans whenever you want.

Businesses in New Zealand can accept Visa, Mastercard, American Express, and UnionPay debit and credit cards.

Businesses in New Zealand can also accept payments using Bancontact, and iDEAL.

Businesses in New Zealand using Shopify Payments can accept payments online and in person with Shopify POS. To accept payments in person with Shopify POS, you can use either of the following options:

Pay periods

Your pay period refers to the amount of time between the moment that a customer's payment is captured and when those funds are sent to your bank account. The timestamp for capturing a customer's payment is recorded in Coordinated Universal Time (UTC). Payments captured on Friday, Saturday, and Sunday are consolidated and sent as a single payment.

In New Zealand, the pay period is 3 business days.

Learn more about getting paid with Shopify Payments.

Tax reporting

As a merchant, you are required to abide by all applicable regulations, including tax reporting. Depending on your jurisdiction, Shopify Payments might also be required to report your sales to the local tax authorities.

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