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 work?
Your PayZe 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 now have two options and a range of designs to choose from. A straight gift card which allows a single load, or our new reloadable cards which you can top up at any time.
How do I get a PayZe Gift card?
At this stage you can only purchase PayZe card online through our website https://payze.nz or through https://giveagiftcard.co.nz
How do I get a PayZe Reload card?
At this stage you can only purchase PayZe cards online through our website www.payze.nz or through giveagiftcard.co.nz
You can also download the PayZe Wallet and get a PayZe Reload digital card automatically. You can load this through the Wallet and use for QR Code payments in New Zealand and overseas.
How is my PayZe card delivered?
The 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.
Gift Card or Reloadable - what should I choose?
Typically a gift card is purchased for a ‘single event’ such as a birthday gift, and while PayZe gift cards may be used multiple times until the balance is used up and expire after a certain period they cannot be reloaded. With our PayZe Reload cards, you buy once, and in conjunction with the PayZe Wallet, you can top up from your bank account as often as you want.
How much can I load on my PayZe card?
Each PayZe card can be purchased with a maximum of NZ$1,000 on each card with a total of 5 cards in any one purchase transaction. If you choose a PayZe Reload Card, you can top up the balance at any time through our payment gateway (fees apply) or from your NZ bank account (no fees) through the PayZe Wallet. If you are reloading by bank transfer, you must ensure you enter the CUSTOMER NUMBER in the Reference field so we can correctly allocate your funds. To make it easier, set up PayZe as a payee in your bank with the appropriate card number in the Reference field.
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 each card of NZ$1,000 and a maximum transaction value of NZ$5,000 (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]
Using the PayZe Card
Gift Card
You will need to activate your PayZe card before you can use it.
Your card is delivered to you by secure courier. Activae your card at www.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 and enter your PIN if prompted. You will find the PIN number under the scratch panel on the back of the card.
Do I need to have a PIN number to use the PayZe Reload Card?
For instore purchases using your PayZe Reload Card, you will need to enter your PIN if your purchase is greater than the contactless PIN limit (eg. in NZ it is $200). If contactless payment is not available, you will need to use your PIN. You will find the PIN number under the scratch panel on the back of the card.
How do I use the PayZe card instore?
If you are shopping at a store that accepts UnionPay contactless payments, simply tap the card on the terminal and the payment is complete. Otherwise, insert the card and select any of SAV/CRD if prompted to do so (some stores such as Countdown do not require this step) then input your PIN. NOTE: You will need to enter your PIN if your purchase is greater than the contactless PIN limit (eg. in NZ it is $200).
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.
Where else can I use my PayZe card?
Our cards can be used at participating retailers in New Zealand or overseas where UnionPay cards are accepted. You can use your card for in-store purchases and online wherever UnionPay payments are accepted. Always check first.
Can I add my PayZe 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 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$200 to use any “Pay at Pump” service.
Can I use my PayZe card to purchase fuel at a ‘pay at pump’ service?
Depending on the balance on your PayZe card, ‘pay at pump’ service may be available but always check first that UnionPay cards are accepted. Typically, you will need a balance of NZ$200 to use any “Pay at Pump” service.
Can I make a purchase for a higher value that my available balance on my PayZe card?
You will need to supplement any remaining value on the card with cash or other payment method accepted by the merchant. Note: 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.
Can the PayZe Gift card be used at an ATM to withdraw cash.
The PayZe Gift Cards may NOT be used at any ATM.
Can the PayZe Reload card be used at an ATM to withdraw cash.
The PayZe Reload card may be used at some ATMs accepting UnionPay cards. In New Zealand, the bank ATMs accepting PayZe UnionPay cards are: Westpac; ANZ; and BNZ. Note: Charges apply for all withdrawals and balance checks via an ATM. Independent ATMs (non-bank branded) will charge an additional surcharge. Important: PayZe Gift Cards may NOT be used at any ATM.
Can I use my PayZe card through a ‘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 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. Alternatively, you may view online at balance.payze.nz
Does my PayZe Reload Card expire?
PayZe Reload Cards have an expiry of at least 5 years. Use the PayZe Wallet to manage your PayZe Cards – which includes transfering funds between your PayZe Reloadable Cards.
Does my PayZe Gift Card expire?
PayZe Gift Cards will expire at least 2 years 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, or 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 cards – Gift and Reload. If a PayZe card is lost or stolen, you can simply and instantly put a card on hold within the PayZe Wallet. If you have any PayZe Reload Cards, you can easily transfer your funds between the cards. However, please treat PayZe Gift Cards like cash and keep them secure at all times as you cannot transfer funds from a PayZe Gift Card.
Why is there an initial load fee when I purchase a PayZe 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.
What about security?
Your PayZe card should be safeguarded and treated like cash. Please take all security precautions to keep it safe.
What is your privacy policy?
We adhere to the New Zealand Privacy guidelines. We will not disclose your personal details to anyone except for the purpose of operating our prepaid card programs, or as required by law. All data transmitted via the internet is encrypted. To see our Privacy Policy, click here.
How do I contact you if I have more questions?
Please contact us at [email protected]
What are the Terms of using these cards?
Please see the Terms and Conditions click here.
Reloadable Card
Couldn’t find the answer you were hoping for?
