Choose how you want to pay.

Pay online using your Internet Banking.
There's no sign-up, it's quick & completely secure.

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POLi for customers

POLi is a great alternative to credit & debit cards when you're purchasing online. We provide a quick, secure & free payment option by connecting you to your bank. You don't need to register - just follow the prompts when you go to pay.

What banks can I use?

POLi for merchants

Are you losing online sales to customers who prefer to use their own money? Then you need POLi. POLi integrates with your existing shopping cart and also provides a better way for your customers to pay invoices.

Learn more

How Does POLi Work?

1. Checkout of shopping cart

Select the POLi payment option when you checkout

2. Pay with internet banking

Log into your bank account using POLi. The payment is protected by your bank's authentication and security

3. Complete Order

POLi automates the payment process and notifies the seller that the payment has been made

Where can I use POLi?

Online Security

When you pay with POLi the transaction is protected by your Internet Banking security. Your confidential information is not disclosed to any third party, including POLi.

Username & Passwords

POLi does not capture usernames or passwords

Independent security reviews

POLi's software is regularly reviewed by independent security companies and is ISO 27001 Certified.

SSL assurance

POLi checks the bank website's SSL certificate and thumbprints to always ensure you are talking directly to your bank


POLi works with some of the most trusted brands online.

Customer Supported Banks

POLi works seamlessly with all major New Zealand banks

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Frequently Asked Questions

Your common questions relating to being a merchant, customer or developer answered.

Merchant Questions

  • How does POLi work?

    POLi facilitates an Internet Banking Bill Payment to transfer funds from your customer’s bank account directly to your bank account. Essentially, POLi enables your customers to pay for products and services online directly from their bank account instead of using credit cards.

  • What countries/currencies does POLi support?

    The two currencies POLi supports is New Zealand Dollar (NZD) and Australian Dollar (AUD). Your business can be located anywhere in the world, the restriction is that you will need to have a bank account in New Zealand or Australia in order to accept and charge their respective currency.

  • Does POLi support credit cards?

    Unfortunately POLi is a direct debit system and does not support credit card payments. POLi facilitates an Internet Banking Bill Payment on behalf of the customer in order to transfer funds directly from the Customer’s bank account to the Merchant’s bank account.

    To sign up for a POLi account visit

  • Does POLi support recurring payments?

    Unfortunately POLi does not support recurring payments as no banking information is saved on our servers. POLi facilitates a direct internet banking transfer.

  • Does POLi support refunds?

    Unfortunately POLi does not yet offer a Refund facility.

    To process a credit, you will need to do it manually using your Internet Banking facility. For obvious reasons we recommend you only Refund a POLi payment back to the Bank Account the funds originally came from. You can find all the necessary details to refund the transaction from within the POLi Console.

  • When will the funds be available in my account?

    Funds will be available in your settlement account in the same time frame that Internet Banking settles. This normally is either the same day or no later than Tuesday morning if a transaction happens between Friday, Saturday or Sunday.

  • Customer Questions

  • What is POLi?

    POLi allows you to make a payment for goods at your favourite online retailer, pay for travel, or to pay a bill using money straight from your bank account. POLi is safe and secure and lets you use your Internet Banking to make the payment.

    POLi has been operating in New Zealand since 2007. Land Transport New Zealand (now the New Zealand Transport Agency) was the very first merchant to offer POLi payments to their customers, and since then many other government agencies, airlines, online retailers and billers have joined in to offer their customers a more convenient and safe way to pay.

    Checkout POLi payments at Air New Zealand, The Warehouse, PB Technologies, Intercity, Nakedbus, Interislander, Postie, Jetstar, Top 10 Holiday Parks, and Helloworld. POLi is also available at a wide range of online shopping sites and you can even use POLi to buy gaming credits on Facebook.

  • Do I have to register to use POLi?

    No. This is one of the great features of POLi payments: no registration, and no additional passwords to remember!

    Merchants who intend to use POLi to receive POLi payments will need to register.

  • How does POLi work?

    Follow these simple steps to make POLi payment:

    1. Choose to pay with Internet Banking wherever you see the POLi payment option
    2. Select your bank and click proceed with payment
    3. Login to your bank
    4. Follow the prompts to complete the Pay Anyone transaction (may include selecting account or entering second factor information)
    5. Complete the payment and receive your receipt

  • Is POLi secure?

    Yes, POLi places a lot of importance on the security of its software. We never capture sensitive information such as your login name or password. For further information, visit

  • Is POLI approved by my bank?

    The POLi payments service is brought to you by POLi Payments Pty Ltd, a wholly owned subsidiary of Australia Post and a provider of innovative web-based transaction services and software. POLi is distributed in New Zealand by Merco Limited.

    POLi Payments Pty Ltd is not a bank, and does not necessarily have relationships with banks accessible via POLi.

  • Is there a cost when I use POLi?

    There is no cost imposed by POLi on customers for the use of the POLi service. Your bank may apply fees for electronic funds transfers.

  • Developer Questions

  • How can I get a developer test account?

    Our developer test accounts are a permanent test account built in a separate UAT environment. If you would like one of these accounts, please submit a ticket or contact us at and we will be in touch to collect the information needed to set up an account for you.

  • Why is iBank the only bank option?

    If you are finding that the only bank option is our iBank testing facility you will need to complete QA test with our support team.

    If you have completed the 4 testing transactions please submit a ticket or contact letting us know that they are completed.

  • Where is the API documentation located?

    The POLi developer API documentation can be found at

  • What are the POLi Console URLs?

    The URLs to log into the POLi consoles are as below.

    Production Environment:

    UAT Environment: