New Zealand's largest cryptocurrency payment network with 25,000+ active users, 300+ merchants, and over $91 million in transaction volume.
Pay It Now (PIN) stands as New Zealand's pioneering blockchain innovator and digital asset payment processor, serving both individual users and businesses across New Zealand and Australia. Founded as a comprehensive crypto ecosystem, Pay It Now has established itself as the largest cryptocurrency payment network in New Zealand, with over 300 Kiwi businesses already integrated into their payment system.
When choosing where to buy BTC in NZ, several factors should influence your decision, including fees, security, ease of use, and available payment methods. Here's our comprehensive comparison of the top Bitcoin exchanges available to investors in 2025:
Looking for privacy? Our NZ-based P2P Crypto Marketplace connects buyers and sellers directly – no KYC required. For experienced traders, MEXC is a great non-KYC exchange still available to New Zealand users.
Pay It Now (PIN) isn't just another crypto exchange – it's New Zealand's homegrown solution to actually using digital assets in the real world.
While most platforms focus purely on buying and selling, PIN bridges the gap between owning crypto and spending it. Born out of the need for real utility in Aotearoa, Pay It Now offers an all-in-one platform: an easy-to-use wallet, local bank integration, merchant tools, and NZ's first crypto-backed Mastercard you can use anywhere Mastercard is accepted.
In a country where crypto adoption is growing but everyday use has lagged behind, PIN steps in as a practical, Kiwi-built answer to turning your digital assets into something you can actually use.
Store 40+ cryptocurrencies with beginner-friendly interface
Direct integration with local banks for seamless deposits/withdrawals
Spend crypto anywhere Mastercard is accepted with automatic conversion
One of Pay It Now's biggest breakthroughs is the Web3 Mastercard – New Zealand's first crypto-backed debit card, built in partnership with Immersve.
It lets you spend your crypto anywhere Mastercard is accepted. No top-ups. No conversions. Just pay, and your crypto is automatically swapped to NZD at the point of sale. The merchant never even sees the crypto – they just get paid.
Users can fund their Web3 Mastercard using over 40 supported cryptocurrencies, including Bitcoin, Ethereum, Solana and Tether. When making a purchase, the card automatically converts just the right amount of crypto into New Zealand dollars at the point of sale.
There's no need for preloading or converting manually – and merchants are paid in fiat, just like with a standard EFTPOS or debit card.
The card is powered by Pay It Now's partnership with Immersve, a trusted global provider of crypto payment infrastructure. Immersve handles real-time crypto-to-fiat conversions behind the scenes, ensuring transactions are fast, seamless, and compatible with Mastercard's global payment network.
The result is a smooth, traditional payment experience backed by crypto flexibility.
Manage over 40+ popular cryptocurrencies like BTC, ETH, SOL, and USDT all in one clean, easy-to-use app.
No need to jump between platforms – buy, sell, and swap crypto directly inside the PIN app.
PIN gives Kiwi businesses a better way to get paid with zero transaction fees.
Accept crypto payments with 0% transaction fees
Payments instantly convert to NZD to avoid volatility
Works with existing POS systems like Lightspeed and SIPO
PIN links directly to local banks, giving you a smooth onramp and offramp for crypto. Deposit and withdraw NZD or AUD easily. Avoid delays, fees, and complexity from international platforms. Fully compliant with NZ and AU financial regulations.
Trading on Pay It Now usually comes with a fee between 1% and 2%, depending on the crypto and transaction size. That's higher than global giants like Binance or Coinbase (which can go as low as 0.1%), but with Pay It Now, you also get:
💡 For smaller or frequent trades, the zero gas fee model can be a real saver – especially on networks like Ethereum where fees can spike.
If you're a business, here's the best part: Pay It Now charges zero transaction fees for accepting crypto payments. That's a major advantage compared to traditional card processors, which typically charge between 1.5% and 3.5%, or even other crypto payment providers, which often take 0.5% to 1% per transaction.
The Pay It Now Web3 Mastercard is free to set up, with no activation fees. Reloading the card directly from your PIN wallet is also free or incurs only minimal fees, depending on the cryptocurrency and network conditions.
Domestic spending within New Zealand and Australia doesn't incur any additional charges, making it highly cost-effective for everyday use. For international purchases or ATM withdrawals, standard Mastercard rates apply.
If you're based in New Zealand, we highly recommend using Pay It Now. The platform delivers real-world crypto utility that goes far beyond simple trading. From their innovative Web3 Mastercard to zero merchant fees and seamless NZD integration, it's tailored for Kiwis who want to actually use their digital assets. The team behind PIN is sharp, efficient, and genuinely excellent at what they do. If you're after a practical, locally-focused crypto solution, Pay It Now is one of the best options available in Aotearoa.