Welcome to Paydirect a payment gateway for Bank of New Zealand (BNZ).

Paydirect offers a secure, simple, fast and affordable payment gateway for authorizing and processing credit card transactions. Making it easy for online businesses to allow their customers to pay online by credit card. At this time Paydirect exclusively connects to the Bank of New Zealand (BNZ).

What is a Payment Gateway?

A company that provides an interface between a merchant’s point of sale system, acquiring bank’s payment systems and the issuers payment systems. A payment gateway like Paydirect provides a secure connection to transfer customer credit card information directly to the bank. Information is sent via Secure Sockets Layer (SSL) technology utilizing the highest standard of 256-bit AES encryption. In an automated gateway, the credit card payment is sent directly to the BNZ bank, and credit card information is not seen by the merchant.

During the transaction process, the merchant bank (BNZ) does a number of fraud checks on the credit card and either authorizes or declines the transaction. If the transaction is approved, the money is deposited into the merchant's bank account.

What is a Merchant Account?

A merchant account is a type of bank account that allows businesses to accept payments by credit card. Any merchant who wishes to accept credit card orders must establish a merchant account. It serves as an agreement between the merchant, acquiring bank and payment processor for the settlement of credit card transactions.

Getting Setup

Getting setup is a fairly simple three step process:

Open a Buyline merchant account with BNZ.
Contact us to setup your Paydirect account and connect it to your Buyline account.
Integrated your website with our payment processing facilities.