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2025 Environmental Scan Report

The 2025 Environmental Scan explores the global and interconnected trends shaping the future of payments in Aotearoa New Zealand.

Read the report

Bank settlement system – scheduled maintenance 18-19 October 2025

Payments sent from one bank to another will be delayed between 11:30pm on Saturday, 18 October 2025 and 5:00pm Sunday, 19 October 2025 to enable industry-wide scheduled maintenance on settlement systems. The maintenance is being conducted globally across multiple payment networks. Payments entered by bank customers during the maintenance period will be queued at the sending bank and will be processed from 5:00pm on the Sunday. Payments between accounts held at the same bank and card payments are unaffected.

About us

Payments NZ is the leading governance organisation dedicated to the interoperability, efficiency, safety, openness and innovation of payments systems in Aotearoa. Our clearing systems facilitate intra-bank payments exceeding $8 trillion annually. We lead a progressive, future focussed industry that has a vision for world-class payments for Aotearoa.

Learn more about our work
About Us

Industry registers

See our Bank Branch Register, EFTPOS Device Register, Device Dates Register, Device Registration application form and more information about the EFTPOS device life cycle.

Clearing Systems

Our clearing systems process millions of transactions daily, ensuring funds flow safely and efficiently between banks and businesses. We govern the rules for the core payments systems that underpin a trusted, seamless, and secure flow of money across Aotearoa.

How our clearing systems work
Clearing Systems

API Centre

The API Centre is accelerating open banking and data sharing in Aotearoa. We provide the frameworks, standards, and tools that enable secure, seamless, and customer-focused innovation across the financial ecosystem.

Explore our API Centre
API Centre

Payments Direction

Our Payments Direction workstream is shaping the future of the payment systems in Aotearoa. Together with industry, we’re exploring faster, data-rich, and always-on payments to meet the needs of people, businesses, and the economy.

Discover Payments Direction
Payments Direction

Shape the future of payments with us

We work in partnership with industry to deliver payments that are fast, secure, and future-ready. Stay connected with updates, insights, and opportunities to get involved.

Latest news and insights

  • Payments Direction: 2025 Environmental Scan Report

    The 2025 Environmental Scan explores the global and interconnected trends shaping the future of payments in Aotearoa New Zealand.

    Read more  
    7 Oct 2025
  • September 2025 update

    As we head into spring, we’re looking back on what’s already been a huge year for Payments NZ – with progress and delivery across our Clearing Systems, API Centre and Payments Direction areas, and a busy calendar of events, industry and regulatory engagement.

    Read more  
  • Reserve Bank proposal to designate the High Value Clearing System

    The Reserve Bank of New Zealand Te Pūtea Matua (RBNZ) is proposing to designate the High Value Clearing System (HVCS) under the Financial Market Infrastructures Act 2021.

    Read more  
    4 Aug 2025