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accept payments, not surcharges.

get paid directly. no card terminal. just a QR code and a payment your customer approves in their banking app.

start accepting payments

how it works

three steps, easy as.

1

sign up with your details

this includes securely connecting your bank account.

2

create a sale

enter a description and amount, then breeze generates a QR code.

3

your customer scans the QR code

they approve payment inside their own trusted banking app

your money never passes through breeze

here's exactly what that means

banking details are private and secure

every payment is authorised by your customer's own banking app, not on breeze. we never ask for or store bank credentials.

built on regulated open banking

payments are made bank-to-bank, just like a standard bill payment. want to learn more? see MBIE's consumer data right standards.

you control your money

you connect your own bank account to receive funds — breeze never holds your money.

questions

which banks are supported?

open banking is fully supported by ANZ, ASB, BNZ, Westpac, and Kiwibank — this is regulated under the Customer and Product Data Act 2025.

what does it cost to join?

signing up is free. a flat fee transaction cost applies for each payment. details will be supplied for new customers, breeze pay is currently in trial and will be launched soon. we never charge a % of the payment amount.

do I need any new equipment?

no terminal is ever needed — you can use breeze app on any regular mobile, desktop or tablet.

what if my customer loses their receipt?

every payment gets a reference that will show on their transaction details, which they can find in their banking app or statement — they can look it up again anytime at my.breeze-pay.app/find-receipt using the reference.

how to process a refund request?

open banking payments (OBPs) cannot presently be reversed the way a credit or debit card transaction can. like an EFTPOS cash account payment, or a bill payee payment in your banking app, if you need to make a refund, this can be done manually by bank transfer, e.g. setup the buyer as a one-off bill payee with your bank.

ready to save on getting paid?

set up your first sale in a couple of minutes.

start getting paid, sign up now