The following Frequently Asked Questions provide valuable information about the POLi payments service.

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 www.polipay.co.nz/start

  • 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 https://polipayments.com/security

  • 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 support@polipay.co.nz 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 support@polipay.co.nz letting us know that they are completed.

  • Where is the API documentation located?

    The POLi developer API documentation can be found at https://www.polipayments.com/Setup

  • What are the POLi Console URLs?

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

    Production Environment: https://consoles.apac.paywithpoli.com

    UAT Environment: https://consoles.uat1.paywithpoli.com

  • Pb Tech

    POLi fully automated the release process of processing orders. We automatically release as paid before we see the money in our account and ship the same day. POLi is consistent and reliable, therefore we place our utmost confidence in it.

    Darren Smith


    That’s the beauty of having POLi. It automatically pre-populates both the correct amount and the other payment details into the internet banking screen without customers having to type in anything.

    Jetstar’s Online Payments Chief

    The Whiskey Shop

    We’ve been using POLi Pay for a while now and are very happy to have added it as an option. It’s saved us money and given our customers another payment option which they’ve really appreciated.

    Dale Henderson

    InterCity Group

    We’ve offered POLi as an option on our checkout since 2010. Our online customers have really taken to it and we appreciate the extra business we generate from this low cost channel

    Daniel Rode, GM Marketing and Online Sales

    The Warehouse

    The introduction of POLi as a payment method on www.thewarehouse.co.nz and www.redalert.co.nz has provided our customers the convenience of paying directly from their bank account without using a credit card. We’re very pleased with the contribution that POLi is making to the success of our online channel

    Michelle Anderson – Chief Digital Officer

    Shine On

    The beauty of POLi is that it is a smooth and seamless process. I just pay the bill at the end of the month and it basically takes care of itself.

    Cliff Hopkins
    Read more testimonials and case studies